Waterstone Financial, Inc.
Waterstone Financial, Inc. (NASDAQ: WSBF) operates as a community bank holding company headquartered in Wisconsin with its primary subsidiary, WaterStone Bank SSB, serving customers since 1921. The company maintains a website at www.wsbonline.com where investors can access regulatory filings and corporate information. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Waterstone Financial, Inc. does
In the company’s own words
Waterstone Financial, Inc. (NASDAQ: WSBF) operates as a community bank holding company headquartered in Wisconsin with its primary subsidiary, WaterStone Bank SSB, serving customers since 1921. The company maintains a website at www.wsbonline.com where investors can access regulatory filings and corporate information.
WaterStone Bank conducts community banking operations from 14 branch locations across Milwaukee, Washington, and Waukesha counties in Wisconsin. The bank's principal lending activity focuses on originating residential and commercial real estate loans retained in its portfolio. As of December 31, 2025, the loan portfolio composition consisted of multi-family residential loans representing 45.3 percent of total loans, one- to four-family residential loans comprising 29.0 percent, commercial real estate loans accounting for 19.5 percent, and construction and land loans representing 3.4 percent. The bank also offers home equity loans and lines of credit, commercial business loans, and consumer loans. WaterStone Bank funds its operations primarily through retail deposits, brokered deposits, and Federal Home Loan Bank advances, offering certificates of deposit, money market savings accounts, transaction deposits, and individual retirement accounts.
The company operates a significant mortgage banking division through its wholly-owned subsidiary, Waterstone Mortgage Corporation, which originated $2.05 billion in single-family residential mortgage loans during 2025 for sale in the secondary market. Waterstone Mortgage Corporation maintains 55 offices across 24 states, providing geographic diversification beyond the bank's Wisconsin footprint.
WaterStone Bank's primary market area encompasses the Milwaukee metropolitan region, where it held the ninth-largest market share among 44 financial institutions as of June 30, 2025, representing 1.85 percent of deposits. The company competes with commercial banks, savings institutions, mortgage banking firms, and credit unions within its market area. WaterStone Bank maintains a total loan portfolio of approximately $1.68 billion and operates under comprehensive regulation by the Wisconsin Department of Financial Institutions and the Federal Deposit Insurance Corporation.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- WAUWATOSA, WI
- Fiscal year end
- December
- CIK
- 1569994
- SIC
- 6035
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Waterstone Financial, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Waterstone Financial, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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