For the quarter ending 2025-09-30, WSBF has $2,269,169K in assets. $1,923,674K in debts.
| Balance Sheets | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Cash | 50,075 | 63,178 | ||
| Federal funds sold | 3,407 | 7,465 | ||
| Interest-earning deposits in other financial institutions and other short term investments | 286 | 280 | ||
| Cash and cash equivalents | 53,768 | 70,923 | ||
| Securities available for sale, at fair value (cost 2025243,439 2024232,630) | 226,403 | 218,757 | ||
| Loans held for sale, at fair value | 135,676 | 161,826 | ||
| Loans receivable | 1,714,836 | 1,664,273 | ||
| Less allowance for credit losses ('acl') - loans | 17,670 | 17,800 | ||
| Loans receivable, net | 1,697,166 | 1,646,473 | ||
| Office properties and equipment, net | 18,737 | 18,874 | ||
| Federal home loan bank stock, at cost | 20,707 | 20,349 | ||
| Cash surrender value of life insurance | 76,813 | 76,287 | ||
| Real estate owned, net | 85 | 85 | ||
| Prepaid expenses and other assets | 39,814 | 42,986 | ||
| Total assets | 2,269,169 | 2,256,560 | ||
| Demand deposits | 176,568 | 174,506 | ||
| Money market and savings deposits | 306,778 | 320,881 | ||
| Time deposits | 902,627 | 889,320 | ||
| Total deposits | 1,385,973 | 1,384,707 | ||
| Borrowings | 469,061 | 465,726 | ||
| Advance payments by borrowers for taxes | 26,993 | 21,083 | ||
| Other liabilities | 41,647 | 43,553 | ||
| Total liabilities | 1,923,674 | 1,915,069 | ||
| Preferred stock (par value .01 per share) authorized - 50,000,000 shares at september 30, 2025 and at december 31, 2024, no shares issued | 0 | 0 | ||
| Common stock (par value .01 per share) authorized - 100,000,000 shares at september 30, 2025 and at december 31, 2024, issued and outstanding - 18,524,115 at september 30, 2025 and 19,343,251 at december 31, 2024 | 185 | 188 | ||
| Additional paid-in capital | 80,521 | 84,106 | ||
| Retained earnings | 287,868 | 282,578 | ||
| Unearned esop shares | 9,792 | 10,089 | ||
| Accumulated other comprehensive loss, net of taxes | -13,287 | -15,292 | ||
| Total shareholders equity | 345,495 | 341,491 | ||
| Total liabilities and shareholders equity | 2,269,169 | 2,256,560 | ||
Waterstone Financial, Inc. (WSBF)
Waterstone Financial, Inc. (WSBF)