Every 10-Q that Waterstone Financial, Inc. (WSBF) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow WSBF and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full WSBF filings page.
Waterstone Financial, Inc. reported higher profitability for the quarter ended June 30, 2026. Net income was $8,462 thousand, up from $7,727 thousand a year earlier, and diluted EPS was $0.49 versus $0.43. Net interest income rose to $16,010 thousand as interest expense declined despite slightly higher interest income. The provision for credit losses was $236 thousand compared with a small net credit in the prior-year quarter, while noninterest income was stable at $24,240 thousand, driven by mortgage banking income of $22,144 thousand. Noninterest expenses increased modestly to $29,379 thousand.
At June 30, 2026, total assets were $2,252,759 thousand, little changed from year-end. Loans receivable totaled $1,683,881 thousand, with multifamily and commercial real estate as the largest categories. Total deposits were $1,420,981 thousand and borrowings $412,000 thousand. Asset quality indicators remained favorable: non-accrual loans were $6,536 thousand, equal to 0.39% of total loans, and the allowance for credit losses on loans was $17,884 thousand.
Shareholders’ equity increased to $351,129 thousand, aided by six‑month net income of $14,459 thousand, partially offset by cash dividends of $0.34 per share and share repurchases of 446 thousand shares for $8,076 thousand. Regulatory capital ratios at Waterstone Bank were strong, including a Common Equity Tier 1 ratio of 18.66% and a Tier 1 leverage ratio of 15.43%, both well above required levels.
Waterstone Financial, Inc. reported stronger results for the three months ended March 31, 2026. Net income rose to $6.0 million from $3.0 million a year earlier, with basic earnings per share increasing to $0.35 from $0.17.
Net interest income improved to $15.5 million as deposit and borrowing costs declined, while mortgage banking income grew to $19.0 million. Asset quality remained solid, with non-accrual loans at 0.44% of total loans and total assets around $2.25 billion. The bank stayed well-capitalized with regulatory capital ratios far above minimums.
Waterstone Financial (WSBF) reported stronger Q3 2025 results. Net income rose to $7.9 million from $4.7 million a year ago, and diluted EPS improved to $0.45 from $0.26. Net interest income increased to $14.7 million as interest expense declined, and the company recorded a credit to provision for credit losses of $0.3 million.
Noninterest income was $22.3 million, with mortgage banking income of $20.9 million compared with $21.3 million last year. Noninterest expense decreased to $27.5 million. Total assets were $2.27 billion and deposits reached $1.39 billion. Loans receivable were $1.71 billion, with the allowance for credit losses at $17.7 million. Available-for-sale securities carried $18.5 million in unrealized losses, an improvement from $24.5 million at year-end, lifting accumulated other comprehensive loss.
The company returned capital through a $0.15 quarterly dividend and ongoing share repurchases, reducing outstanding shares to 18,524,115 at September 30, 2025.