For the quarter ending 2026-03-31, WSBF has $2,251,218K in assets. $1,903,007K in debts.
| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash | 38,759 | 63,560 | 50,075 | 63,178 |
| Federal funds sold | 5,598 | 7,255 | 3,407 | 7,465 |
| Interest-earning deposits in other financial institutions and other short term investments | 296 | 292 | 286 | 280 |
| Cash and cash equivalents | 44,653 | 71,107 | 53,768 | 70,923 |
| Securities available for sale, at fair value (cost 2026254,061 2025246,579) | 237,024 | 230,848 | 226,403 | 218,757 |
| Loans held for sale, at fair value | 144,350 | 145,057 | 135,676 | 161,826 |
| Loans receivable | 1,684,312 | 1,675,552 | 1,714,836 | 1,664,273 |
| Less allowance for credit losses ('acl') - loans | 17,709 | 17,478 | 17,670 | 17,800 |
| Loans receivable, net | 1,666,603 | 1,658,074 | 1,697,166 | 1,646,473 |
| Gross | - | 54,855 | - | - |
| Less accumulated depreciation | - | 36,000 | - | - |
| Office properties and equipment, net | 19,273 | 18,855 | 18,737 | 18,874 |
| Federal home loan bank stock, at cost | 18,760 | 19,804 | 20,707 | 20,349 |
| Cash surrender value of life insurance | 77,902 | 77,353 | 76,813 | 76,287 |
| Real estate owned, net | 318 | 424 | 85 | 85 |
| Prepaid expenses and other assets | 42,335 | 37,985 | 39,814 | 42,986 |
| Total assets | 2,251,218 | 2,259,507 | 2,269,169 | 2,256,560 |
| Demand deposits | 181,758 | 175,595 | 176,568 | 174,506 |
| Money market and savings deposits | 342,527 | 329,031 | 306,778 | 320,881 |
| Time deposits | 914,502 | 932,646 | 902,627 | 889,320 |
| Total deposits | 1,438,787 | 1,437,272 | 1,385,973 | 1,384,707 |
| Borrowings | 413,034 | 412,258 | 469,061 | 465,726 |
| Advance payments by borrowers for taxes | 11,128 | 2,996 | 26,993 | 21,083 |
| Other liabilities | 40,058 | 57,589 | 41,647 | 43,553 |
| Total liabilities | 1,903,007 | 1,910,115 | 1,923,674 | 1,915,069 |
| Preferred stock (par value .01 per share) authorized - 50,000,000 shares at march 31, 2026 and at december 31, 2025, no shares issued | 0 | - | 0 | 0 |
| Common stock (par value .01 per share) authorized - 100,000,000 shares at march 31, 2026 and at december 31, 2025, issued and outstanding - 18,145,996 at march 31, 2026 and 18,359,717 at december 31, 2025 | 182 | 184 | 185 | 188 |
| Additional paid-in capital | 74,488 | 78,014 | 80,521 | 84,106 |
| Retained earnings | 296,027 | 292,957 | 287,868 | 282,578 |
| Unearned esop shares | 9,199 | 9,496 | 9,792 | 10,089 |
| Accumulated other comprehensive loss, net of taxes | -13,287 | -12,267 | -13,287 | -15,292 |
| Total shareholders equity | 348,211 | 349,392 | 345,495 | 341,491 |
| Total liabilities and shareholders equity | 2,251,218 | 2,259,507 | 2,269,169 | 2,256,560 |
Waterstone Financial, Inc. (WSBF)
Waterstone Financial, Inc. (WSBF)