[Form 3] Waterstone Financial, Inc. Initial Statement of Beneficial Ownership

Rhea-AI Filing Summary

Laura Ellen Piotrowski filed an Form 3 reporting initial beneficial ownership in Waterstone Financial, Inc. (WSBF). The filing lists Ms. Piotrowski as a director who directly owns 8,798 shares of common stock. The event requiring the statement is dated 07/22/2025, and the form bears a signature executed by an attorney-in-fact on 10/02/2025.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Piotrowski Laura Ellen

(Last) (First) (Middle)

11200 WEST PLANK COURT

(Street)

WAUWATOSA WI 53226

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
07/22/2025

3. Issuer Name and Ticker or Trading Symbol
Waterstone Financial, Inc. [ WSBF ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	8,798	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ William F. Bruss, Attorney-in-fact	10/02/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did the Form 3 for WSBF report?

The Form 3 reports that Laura Ellen Piotrowski, identified as a director, directly owns 8,798 shares of Waterstone Financial, Inc. common stock.

What date triggered the Form 3 filing for WSBF?

The date of the event requiring the statement is listed as 07/22/2025.

Who signed the Form 3 for Laura Ellen Piotrowski?

The signature on the form was executed by /s/ William F. Bruss, Attorney-in-fact on 10/02/2025.

Is the ownership reported direct or indirect?

The filing shows the ownership form as Direct (D).

What ticker is associated with this Form 3?

The issuer is Waterstone Financial, Inc. (WSBF).