| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net interest income | 15,463 | - | - | - |
| Provision (credit) for credit losses | 264 | - | - | - |
| Net interest income after provision (credit) for credit losses | 15,199 | - | - | - |
| Noninterest income | 20,228 | - | - | - |
| Compensation, payroll taxes, and other employee benefits | 19,842 | - | - | - |
| Occupancy, office furniture, and equipment | 1,966 | - | - | - |
| Advertising | 617 | - | - | - |
| Data processing | 1,258 | - | - | - |
| Communications | 258 | - | - | - |
| Professional fees | 383 | - | - | - |
| Real estate owned | 2 | - | - | - |
| Loan processing expense | 1,029 | - | - | - |
| Other | 2,520 | - | - | - |
| Total noninterest expenses | 27,875 | - | - | - |
| Income before income taxes | 7,552 | 10,051 | 23,394 | - |
| Community Banking | - | 2,063 | - | - |
| Mortgage Banking Segment | - | 244 | - | - |
| Holding Community And Other | - | 31 | - | - |
| Income tax expense | 1,555 | 2,338 | 4,705 | - |
| Net income | 5,997 | 7,713 | 7,926 | 10,763 |
| Provision (credit) for credit losses | 264 | -558 | -269 | -567 |
| Depreciation, amortization, accretion | 917 | 687 | 591 | 1,271 |
| Gain on sale of real estate owned | - | 299 | - | - |
| (recovery) impairment of mortgage servicing rights | - | 0 | - | - |
| Gain on sale of mortgage servicing rights | - | 0 | 0 | 0 |
| Deferred taxes | -367 | 221 | 20 | 473 |
| Stock based compensation | 147 | -39 | 148 | 188 |
| Origination of mortgage servicing rights | 58 | 113 | 174 | 306 |
| Gain on sale of loans held for sale | 18,676 | 20,431 | 22,381 | 37,907 |
| Loans originated for sale | 505,468 | 532,996 | 535,581 | 976,701 |
| Proceeds on sales of loans originated for sale | 524,853 | 544,046 | 584,112 | 988,691 |
| Gain on death benefit on bank owned life insurance | - | 0 | - | - |
| (increase) decrease in accrued interest receivable | -3 | 225 | 496 | -243 |
| Increase in cash surrender value of life insurance | 549 | 540 | 526 | 1,495 |
| (increase) decrease in derivative assets | 1,246 | -49 | -1,627 | -3,486 |
| Increase in accrued interest on deposits and borrowings | -674 | 257 | 298 | -773 |
| Increase in accrued taxes | -1,917 | 53 | -129 | -1,239 |
| Decrease (increase) in derivative liabilities | 327 | 91 | -1,831 | -2,970 |
| (increase) decrease in other assets | 4,313 | -1,242 | -816 | -90 |
| (decrease) increase in other liabilities | -5,069 | 4,635 | -1,098 | 1,024 |
| Net cash (used in) provided by operating activities | -647 | 3,173 | 32,715 | -11,705 |
| Net (increase) decrease in loans receivable | 8,749 | -39,384 | 50,563 | -16,375 |
| Debt securities | 5,224 | 2,450 | 4,326 | 4,856 |
| Mortgage related securities | 8,619 | 9,792 | 10,164 | 18,423 |
| Bank owned life insurance | - | 0 | 0 | 180 |
| Fhlb stock | 1,329 | 0 | 358 | 2,105 |
| Proceeds on sales of mortgage servicing rights | - | 0 | 0 | 0 |
| Premises and equipment | 991 | 546 | 295 | 324 |
| Principal repayments on mortgage-related securities | 6,471 | 6,887 | 6,260 | 12,307 |
| Maturities of debt securities | 120 | 2,470 | 3,405 | 5,595 |
| Death benefit from bank owned life insurance | - | 0 | - | - |
| Sales of fhlb stock | 2,373 | 903 | 0 | 2,051 |
| Net cash (used in) provided by investing activities | -15,948 | 36,856 | -56,041 | 10,440 |
| Net increase in deposits | 1,515 | 51,299 | 1,266 | 24,810 |
| Net change in short-term borrowings | -52,196 | -36,803 | 3,335 | -40,793 |
| Repayment of long-term debt | 30,000 | 20,000 | 30,000 | 40,000 |
| Proceeds from long-term debt | 82,972 | 0 | 30,000 | 100,000 |
| Net change in advance payments by borrowers for taxes | -5,663 | -11,963 | 8,045 | 1,284 |
| Cash dividends on common stock | 2,640 | 2,638 | 2,658 | 5,472 |
| Purchase of common stock returned to authorized but unissued | 4,395 | 2,724 | 3,818 | 9,667 |
| Proceeds from stock option exercises | 548 | 139 | 1 | 2,265 |
| Net cash provided by financing activities | -9,859 | -22,690 | 6,171 | 32,427 |
| (decrease) increase in cash and cash equivalents | -26,454 | 17,339 | -17,155 | 31,162 |
| Cash and cash equivalents at beginning of period | 71,107 | 53,768 | 39,761 | - |
| Cash and cash equivalents at end of period | 44,653 | 71,107 | 53,768 | - |
Waterstone Financial, Inc. (WSBF)
Waterstone Financial, Inc. (WSBF)