For the year ending 2025-12-31, WSBF has $2,259,507K in assets. $1,910,115K in debts.
| Balance Sheets | 2025-12-31 | |||
|---|---|---|---|---|
| Cash | 63,560 | |||
| Federal funds sold | 7,255 | |||
| Interest-earning deposits in other financial institutions and other short term investments | 292 | |||
| Cash and cash equivalents | 71,107 | |||
| Securities available for sale, at fair value (cost 2025-246,579 2024-232,630) | 230,848 | |||
| Loans held for sale (at fair value) | 145,057 | |||
| Loans receivable | 1,675,552 | |||
| Less allowance for credit losses ('acl') - loans | 17,478 | |||
| Loans receivable, net | 1,658,074 | |||
| Gross | 54,855 | |||
| Less accumulated depreciation | 36,000 | |||
| Office properties and equipment, net | 18,855 | |||
| Federal home loan bank stock (at cost) | 19,804 | |||
| Cash surrender value of life insurance | 77,353 | |||
| Real estate owned, net | 424 | |||
| Prepaid expenses and other assets | 37,985 | |||
| Total assets | 2,259,507 | |||
| Demand deposits | 175,595 | |||
| Money market and savings deposits | 329,031 | |||
| Time deposits | 932,646 | |||
| Total deposits | 1,437,272 | |||
| Borrowings | 412,258 | |||
| Advance payments by borrowers for taxes | 2,996 | |||
| Other liabilities | 57,589 | |||
| Total liabilities | 1,910,115 | |||
| Common stock (par value .01 per share) authorized - 100,000,000 shares at december 31, 2025 and at december 31, 2024, issued and outstanding - 18,359,717 at december 31, 2025 and 19,343,251 at december 31, 2024 | 184 | |||
| Additional paid-in capital | 78,014 | |||
| Retained earnings | 292,957 | |||
| Unearned esop shares | 9,496 | |||
| Accumulated other comprehensive loss, net of taxes | -12,267 | |||
| Total shareholders equity | 349,392 | |||
| Total liabilities and shareholders equity | 2,259,507 | |||
Waterstone Financial, Inc. (WSBF)
Waterstone Financial, Inc. (WSBF)