$WSBF
Waterstone Financial, Inc. Stock $wsbf

$wsbf Overview Financials Valuation SEC Filings Company Website

2023 Q2 Form 10-Q Financial Statement

#000143774923012126 Filed on May 02, 2023

Income Statement

Concept	2023 Q2	2023 Q1
Revenue	$24.25M	$21.89M
YoY Change	47.7%	45.64%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$800.0K	$815.0K
YoY Change	-17.61%	-25.91%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense	$11.57M	$8.095M
YoY Change	395.59%	155.69%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income	$5.092M	$2.782M
YoY Change	-50.18%	-59.23%
Income Tax	$1.085M	$627.0K
% Of Pretax Income	21.31%	22.54%
Net Earnings	$4.007M	$2.155M
YoY Change	-49.85%	-59.27%
Net Earnings / Revenue	16.53%	9.84%
Basic Earnings Per Share	$0.20	$0.10
Diluted Earnings Per Share	$0.20	$0.10
COMMON SHARES
Basic Shares Outstanding	21.66M	22.06M
Diluted Shares Outstanding	20.43M	20.98M

Balance Sheet

Concept	2023 Q2	2023 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents	$61.19M	$54.19M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment	$20.34M	$20.72M
YoY Change	-6.64%	-5.54%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets	$2.230B	$2.114B
YoY Change	14.87%	5.48%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$20.60M	$13.43M
YoY Change	19.06%	24.39%
Deferred Revenue
YoY Change
Short-Term Debt	$19.40M	$1.196M
YoY Change	218.03%	-81.6%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$40.00M	$14.63M
YoY Change	131.19%	35.46%
LONG-TERM LIABILITIES
Long-Term Debt	$0.00	$0.00
YoY Change
Other Long-Term Liabilities	$51.60M	$50.68M
YoY Change	19.76%	13.37%
Total Long-Term Liabilities	$51.60M	$50.68M
YoY Change	19.76%	13.37%
TOTAL LIABILITIES
Total Short-Term Liabilities	$40.00M	$14.63M
Total Long-Term Liabilities	$51.60M	$50.68M
Total Liabilities	$1.874B	$1.749B
YoY Change	20.54%	9.82%
SHAREHOLDERS EQUITY
Retained Earnings	$272.2M	$272.3M
YoY Change	-1.52%	-0.17%
Common Stock	$214.0K	$219.0K
YoY Change	-5.73%	-9.13%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$355.8M	$365.8M
YoY Change
Total Liabilities & Shareholders Equity	$2.230B	$2.114B
YoY Change	14.87%	5.48%

Cashflow Statement

Concept	2023 Q2	2023 Q1
OPERATING ACTIVITIES
Net Income	$4.007M	$2.155M
YoY Change	-49.85%	-59.27%
Depreciation, Depletion And Amortization	$800.0K	$815.0K
YoY Change	-17.61%	-25.91%
Cash From Operating Activities	-$40.10M	-$31.38M
YoY Change	64.1%	-122.01%
INVESTING ACTIVITIES
Capital Expenditures	$100.0K	$52.00K
YoY Change	-128.57%	-57.02%
Acquisitions
YoY Change
Other Investing Activities	-$66.10M	-$46.49M
YoY Change	-1.05%	38.77%
Cash From Investing Activities	-$66.20M	-$46.54M
YoY Change	-1.27%	38.23%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net		$25.00M
YoY Change		-83.87%
Cash From Financing Activities	113.3M	$85.48M
YoY Change	-274.74%	-141.27%
NET CHANGE
Cash From Operating Activities	-40.10M	-$31.38M
Cash From Investing Activities	-66.20M	-$46.54M
Cash From Financing Activities	113.3M	$85.48M
Net Change In Cash	7.000M	$7.550M
YoY Change	-104.48%	-107.69%
FREE CASH FLOW
Cash From Operating Activities	-$40.10M	-$31.38M
Capital Expenditures	$100.0K	$52.00K
Free Cash Flow	-$40.20M	-$31.44M
YoY Change	66.9%	-122.06%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
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CY2023Q1	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
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CY2023Q1	dei	Document Type DocumentType	10-Q
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CY2023Q1	dei	Document Period End Date DocumentPeriodEndDate	2023-03-31
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CY2023Q1	dei	Entity File Number EntityFileNumber	001-36271
CY2023Q1	dei	Entity Incorporation State Country Code EntityIncorporationStateCountryCode	MD
CY2023Q1	dei	Entity Tax Identification Number EntityTaxIdentificationNumber	90-1026709
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CY2023Q1	dei	Entity Address State Or Province EntityAddressStateOrProvince	WI
CY2023Q1	dei	Entity Address Postal Zip Code EntityAddressPostalZipCode	53226
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CY2022Q1	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	-1711000	usd
CY2022Q1	us-gaap	Amortization Of Esop Award AmortizationOfESOPAward	533000	usd
CY2022Q1	us-gaap	Dividends Dividends	4557000	usd
CY2022Q1	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	191000	usd
CY2022Q1	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	170000	usd
CY2022Q1	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	13755000	usd
CY2022Q1	us-gaap	Stockholders Equity StockholdersEquity	412252000	usd
CY2022Q4	us-gaap	Stockholders Equity StockholdersEquity	370486000	usd
CY2023Q1	us-gaap	Net Income Loss NetIncomeLoss	2155000	usd
CY2023Q1	us-gaap	Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent	2107000	usd
CY2023Q1	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	4262000	usd
CY2023Q1	us-gaap	Amortization Of Esop Award AmortizationOfESOPAward	426000	usd
CY2023Q1	us-gaap	Dividends Dividends	4133000	usd
CY2023Q1	us-gaap	Stock Issued During Period Value Stock Options Exercised StockIssuedDuringPeriodValueStockOptionsExercised	501000	usd
CY2023Q1	us-gaap	Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue	106000	usd
CY2023Q1	us-gaap	Stock Repurchased During Period Value StockRepurchasedDuringPeriodValue	5841000	usd
CY2023Q1	us-gaap	Stockholders Equity StockholdersEquity	365807000	usd
CY2023Q1	us-gaap	Net Income Loss NetIncomeLoss	2155000	usd
CY2022Q1	us-gaap	Net Income Loss NetIncomeLoss	5291000	usd
CY2023Q1	us-gaap	Provision For Loan Lease And Other Losses ProvisionForLoanLeaseAndOtherLosses	460000	usd
CY2022Q1	us-gaap	Provision For Loan Lease And Other Losses ProvisionForLoanLeaseAndOtherLosses	-76000	usd
CY2023Q1	us-gaap	Depreciation Amortization And Accretion Net DepreciationAmortizationAndAccretionNet	815000	usd
CY2022Q1	us-gaap	Depreciation Amortization And Accretion Net DepreciationAmortizationAndAccretionNet	1081000	usd
CY2023Q1	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	61000	usd
CY2022Q1	us-gaap	Deferred Income Tax Expense Benefit DeferredIncomeTaxExpenseBenefit	-310000	usd
CY2023Q1	us-gaap	Share Based Compensation ShareBasedCompensation	106000	usd
CY2022Q1	us-gaap	Share Based Compensation ShareBasedCompensation	170000	usd
CY2023Q1	wsbf	Payments For Origination Of Mortgage Servicing Rights Msr PaymentsForOriginationOfMortgageServicingRightsMsr	302000	usd
CY2022Q1	wsbf	Payments For Origination Of Mortgage Servicing Rights Msr PaymentsForOriginationOfMortgageServicingRightsMsr	1001000	usd
CY2023Q1	wsbf	Proceeds From Sale Of Mortgage Servicing Rights Msr For Operating Activities ProceedsFromSaleOfMortgageServicingRightsMsrForOperatingActivities	-3530000	usd
CY2022Q1	wsbf	Proceeds From Sale Of Mortgage Servicing Rights Msr For Operating Activities ProceedsFromSaleOfMortgageServicingRightsMsrForOperatingActivities	-0	usd
CY2023Q1	us-gaap	Gain Loss On Sales Of Loans Net GainLossOnSalesOfLoansNet	14915000	usd
CY2022Q1	us-gaap	Gain Loss On Sales Of Loans Net GainLossOnSalesOfLoansNet	22141000	usd
CY2023Q1	us-gaap	Payments To Purchase Loans Held For Sale PaymentsToPurchaseLoansHeldForSale	415742000	usd
CY2022Q1	us-gaap	Payments To Purchase Loans Held For Sale PaymentsToPurchaseLoansHeldForSale	698115000	usd
CY2023Q1	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	400520000	usd
CY2022Q1	us-gaap	Proceeds From Sale Of Loans Held For Sale ProceedsFromSaleOfLoansHeldForSale	878554000	usd
CY2023Q1	us-gaap	Increase Decrease In Insurance Assets IncreaseDecreaseInInsuranceAssets	-0	usd
CY2022Q1	us-gaap	Increase Decrease In Insurance Assets IncreaseDecreaseInInsuranceAssets	340000	usd
CY2023Q1	us-gaap	Increase Decrease In Accrued Interest Receivable Net IncreaseDecreaseInAccruedInterestReceivableNet	575000	usd
CY2022Q1	us-gaap	Increase Decrease In Accrued Interest Receivable Net IncreaseDecreaseInAccruedInterestReceivableNet	160000	usd
CY2023Q1	us-gaap	Bank Owned Life Insurance Income BankOwnedLifeInsuranceIncome	325000	usd
CY2022Q1	us-gaap	Bank Owned Life Insurance Income BankOwnedLifeInsuranceIncome	316000	usd
CY2023Q1	us-gaap	Increase Decrease In Derivative Assets IncreaseDecreaseInDerivativeAssets	-3238000	usd
CY2022Q1	us-gaap	Increase Decrease In Derivative Assets IncreaseDecreaseInDerivativeAssets	4681000	usd
CY2023Q1	wsbf	Increase Decrease In Accrued Interest On Deposits And Borrowings IncreaseDecreaseInAccruedInterestOnDepositsAndBorrowings	-885000	usd
CY2022Q1	wsbf	Increase Decrease In Accrued Interest On Deposits And Borrowings IncreaseDecreaseInAccruedInterestOnDepositsAndBorrowings	102000	usd
CY2023Q1	us-gaap	Increase Decrease In Prepaid Taxes IncreaseDecreaseInPrepaidTaxes	194000	usd
CY2022Q1	us-gaap	Increase Decrease In Prepaid Taxes IncreaseDecreaseInPrepaidTaxes	732000	usd
CY2023Q1	us-gaap	Increase Decrease In Derivative Liabilities IncreaseDecreaseInDerivativeLiabilities	-4311000	usd
CY2022Q1	us-gaap	Increase Decrease In Derivative Liabilities IncreaseDecreaseInDerivativeLiabilities	3477000	usd
CY2023Q1	wsbf	Gain On Sale Of Msr GainOnSaleOfMSR	601000	usd
CY2022Q1	wsbf	Gain On Sale Of Msr GainOnSaleOfMSR	-0	usd
CY2023Q1	us-gaap	Increase Decrease In Other Operating Capital Net IncreaseDecreaseInOtherOperatingCapitalNet	6189000	usd
CY2022Q1	us-gaap	Increase Decrease In Other Operating Capital Net IncreaseDecreaseInOtherOperatingCapitalNet	17995000	usd
CY2023Q1	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	-31384000	usd
CY2022Q1	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	142604000	usd
CY2023Q1	us-gaap	Payments For Proceeds From Loans Receivable PaymentsForProceedsFromLoansReceivable	40029000	usd
CY2022Q1	us-gaap	Payments For Proceeds From Loans Receivable PaymentsForProceedsFromLoansReceivable	1015000	usd
CY2023Q1	us-gaap	Payments To Acquire Marketable Securities PaymentsToAcquireMarketableSecurities	601000	usd
CY2022Q1	us-gaap	Payments To Acquire Marketable Securities PaymentsToAcquireMarketableSecurities	-0	usd
CY2023Q1	us-gaap	Payments To Acquire Mortgage Backed Securities Mbs Categorized As Available For Sale PaymentsToAcquireMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale	5705000	usd
CY2022Q1	us-gaap	Payments To Acquire Mortgage Backed Securities Mbs Categorized As Available For Sale PaymentsToAcquireMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale	47877000	usd
CY2023Q1	us-gaap	Payments To Acquire Federal Home Loan Bank Stock PaymentsToAcquireFederalHomeLoanBankStock	6516000	usd
CY2022Q1	us-gaap	Payments To Acquire Federal Home Loan Bank Stock PaymentsToAcquireFederalHomeLoanBankStock	-0	usd
CY2023Q1	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	52000	usd
CY2022Q1	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	121000	usd
CY2023Q1	us-gaap	Proceeds From Sale Of Mortgage Backed Securities Mbs Categorized As Available For Sale ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale	4638000	usd
CY2022Q1	us-gaap	Proceeds From Sale Of Mortgage Backed Securities Mbs Categorized As Available For Sale ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale	8964000	usd
CY2023Q1	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	1250000	usd
CY2022Q1	us-gaap	Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities	6380000	usd
CY2023Q1	us-gaap	Proceeds From Life Insurance Policies ProceedsFromLifeInsurancePolicies	474000	usd
CY2022Q1	us-gaap	Proceeds From Life Insurance Policies ProceedsFromLifeInsurancePolicies	0	usd
CY2023Q1	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-46541000	usd
CY2022Q1	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-33669000	usd
CY2023Q1	us-gaap	Increase Decrease In Deposits IncreaseDecreaseInDeposits	-16128000	usd
CY2022Q1	us-gaap	Increase Decrease In Deposits IncreaseDecreaseInDeposits	-22938000	usd
CY2023Q1	us-gaap	Proceeds From Repayments Of Short Term Debt ProceedsFromRepaymentsOfShortTermDebt	24912000	usd
CY2022Q1	us-gaap	Proceeds From Repayments Of Short Term Debt ProceedsFromRepaymentsOfShortTermDebt	4351000	usd
CY2023Q1	us-gaap	Repayments Of Long Term Debt RepaymentsOfLongTermDebt	25000000	usd
CY2022Q1	us-gaap	Repayments Of Long Term Debt RepaymentsOfLongTermDebt	155000000	usd
CY2023Q1	us-gaap	Proceeds From Issuance Of Long Term Debt ProceedsFromIssuanceOfLongTermDebt	115000000	usd
CY2022Q1	us-gaap	Proceeds From Issuance Of Long Term Debt ProceedsFromIssuanceOfLongTermDebt	0	usd
CY2023Q1	us-gaap	Increase Decrease In Advance Payments By Borrowers For Taxes And Insurance IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance	-3772000	usd
CY2022Q1	us-gaap	Increase Decrease In Advance Payments By Borrowers For Taxes And Insurance IncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance	-2753000	usd
CY2023Q1	us-gaap	Payments Of Dividends Common Stock PaymentsOfDividendsCommonStock	4197000	usd
CY2022Q1	us-gaap	Payments Of Dividends Common Stock PaymentsOfDividendsCommonStock	17223000	usd
CY2023Q1	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	5841000	usd
CY2022Q1	us-gaap	Payments For Repurchase Of Common Stock PaymentsForRepurchaseOfCommonStock	13755000	usd
CY2023Q1	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	501000	usd
CY2022Q1	us-gaap	Proceeds From Stock Options Exercised ProceedsFromStockOptionsExercised	191000	usd
CY2023Q1	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	85475000	usd
CY2022Q1	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	-207127000	usd
CY2023Q1	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	7550000	usd
CY2022Q1	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect	-98192000	usd
CY2022Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations	46642000	usd
CY2021Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations	376722000	usd
CY2023Q1	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations	54192000	usd
CY2022Q1	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations	278530000	usd
CY2023Q1	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	760000	usd
CY2022Q1	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	2135000	usd
CY2023Q1	us-gaap	Interest Paid Net InterestPaidNet	8980000	usd
CY2022Q1	us-gaap	Interest Paid Net InterestPaidNet	3064000	usd
CY2023Q1	us-gaap	Interest And Dividends Payable Current And Noncurrent InterestAndDividendsPayableCurrentAndNoncurrent	4446000	usd
CY2022Q1	us-gaap	Interest And Dividends Payable Current And Noncurrent InterestAndDividendsPayableCurrentAndNoncurrent	4860000	usd
CY2023Q1	us-gaap	Basis Of Accounting BasisOfAccounting	<p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><b><a href="#" id="notes" title="notes"/>Note <em style="font: inherit;">1</em> </b>—<b> Basis of Presentation</b></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">The unaudited interim consolidated financial statements include the accounts of Waterstone Financial, Inc. (the “Company”) and the Company’s subsidiaries.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">WaterStone Bank SSB (the "Bank") is a community bank that has served the banking needs of its customers since <em style="font: inherit;">1921.</em> WaterStone Bank also has an active mortgage banking subsidiary, Waterstone Mortgage Corporation.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">WaterStone Bank conducts its community banking business from 14 banking offices located in Milwaukee, Washington and Waukesha Counties, Wisconsin. WaterStone Bank's principal lending activity is originating <em style="font: inherit;">one</em>- to <em style="font: inherit;">four</em>-family, multi-family residential real estate, and commercial real estate loans for retention in its portfolio. WaterStone Bank also offers home equity loans and lines of credit, construction and land loans, commercial business loans, and consumer loans. WaterStone Bank funds its loan production primarily with retail deposits and Federal Home Loan Bank advances. The Company's deposit offerings include: certificates of deposit, money market savings accounts, transaction deposit accounts, non-interest bearing demand accounts and individual retirement accounts. The investment securities portfolio is comprised principally of mortgage-backed securities, government-sponsored enterprise bonds and municipal obligations.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">WaterStone Bank's mortgage banking operations are conducted through its wholly-owned subsidiary, Waterstone Mortgage Corporation. Waterstone Mortgage Corporation originates single-family residential real estate loans for sale into the secondary market. Waterstone Mortgage Corporation utilizes lines of credit provided by WaterStone Bank as a primary source of funds, and also utilizes a line of credit with another financial institution as needed.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">The accompanying unaudited consolidated financial statements have been prepared in accordance with generally accepted accounting principles (“GAAP”) for interim financial information, Rule <em style="font: inherit;">10</em>-<em style="font: inherit;">01</em> of Regulation S-<em style="font: inherit;">X</em> and the instructions to Form <em style="font: inherit;">10</em>-Q. The financial statements do <em style="font: inherit;">not</em> include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting of normal recurring accruals) necessary to present fairly the financial position, results of operations, changes in shareholders’ equity, and cash flows of the Company for the periods presented.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">The accompanying unaudited consolidated financial statements and related notes should be read in conjunction with the Company’s <em style="font: inherit;"> December 31, 2022</em> Annual Report on Form <em style="font: inherit;">10</em>-K. Operating results for the <em style="font: inherit;">three</em> months ended <em style="font: inherit;"> March 31, 2023</em> are <em style="font: inherit;">not</em> necessarily indicative of the results that <em style="font: inherit;"> may </em>be expected for the year ending <em style="font: inherit;"> December 31, </em><em style="font: inherit;">2023</em> or for any other period.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">The preparation of the unaudited consolidated financial statements requires management of the Company to make a number of estimates and assumptions relating to the reported amount of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the period. Significant items subject to such estimates and assumptions include the allowance for loan losses, income taxes, and fair value measurements. Actual results could differ from those estimates.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;margin:0pt;"><i>Subsequent Events</i></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;">The Company has evaluated subsequent events for potential recognition and/or disclosure through the date the unaudited consolidated financial statements included in this Quarterly Report on Form <em style="font: inherit;">10</em>-Q were issued. There were <em style="font: inherit;">no</em> significant subsequent events for the <em style="font: inherit;">three</em> months ended <em style="font: inherit;"> March 31, 2023</em> through the issuance date of these unaudited consolidated financial statements that warranted adjustment to or disclosure in the unaudited consolidated financial statements.</p> <p style="font-family:Times New Roman;font-size:10pt;font-variant:normal;text-align:justify;margin:0pt;"> </p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"><i>Accounting Standards Adopted in <em style="font: inherit;">2023</em></i></p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p> <p style="font-family: "Times New Roman"; font-size: 10pt; font-variant: normal; margin: 0pt; text-align: justify;">The Company adopted "Troubled Debt Restructurings and Vintage Disclosures" under ASC Topic <em style="font: inherit;">326</em> on <em style="font: inherit;"> January 1, 2023, </em>and applied the standard’s provisions. The impact going forward will depend on the credit quality of the loan portfolio as well as the economic conditions at future reporting periods. See Note <em style="font: inherit;">3</em> - Loans Receivable for the new disclosures. Adoption of "Troubled Debt Restructurings and Vintage Disclosures" under ASC Topic <em style="font: inherit;">326</em> did <em style="font: inherit;">not</em> have a material impact on the Company's consolidated financial statements.</p> <p style="font-family:'Times New Roman';font-size:10pt;font-variant:normal;margin:0pt;"> </p>
CY2023Q1	wsbf	Number Of Offices NumberOfOffices	14	pure
CY2023Q1	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	223620000	usd
CY2023Q1	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	665000	usd
CY2023Q1	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	23845000	usd
CY2023Q1	us-gaap	Available For Sale Securities Debt Securities AvailableForSaleSecuritiesDebtSecurities	200440000	usd
CY2022Q4	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	222665000	usd
CY2022Q4	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax	432000	usd
CY2022Q4	us-gaap	Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax	26509000	usd
CY2022Q4	us-gaap	Available For Sale Securities Debt Securities AvailableForSaleSecuritiesDebtSecurities	196588000	usd
CY2022Q4	us-gaap	Notes Receivable Gross NotesReceivableGross	1510178000	usd
CY2023Q1	us-gaap	Available For Sale Securities Debt Maturities Next Rolling Twelve Months Amortized Cost Basis AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis	4144000	usd
CY2023Q1	us-gaap	Available For Sale Securities Debt Maturities Next Rolling Twelve Months Fair Value AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue	4140000	usd
CY2023Q1	us-gaap	Available For Sale Securities Debt Maturities Rolling Year Two Through Five Amortized Cost Basis AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis	16550000	usd
CY2023Q1	us-gaap	Available For Sale Securities Debt Maturities Rolling Year Two Through Five Fair Value AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue	16526000	usd
CY2023Q1	us-gaap	Available For Sale Securities Debt Maturities Rolling Year Six Through Ten Amortized Cost Basis AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis	18629000	usd
CY2023Q1	us-gaap	Available For Sale Securities Debt Maturities Rolling Year Six Through Ten Fair Value AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue	17399000	usd
CY2023Q1	us-gaap	Available For Sale Securities Debt Maturities Rolling After Year Ten Amortized Cost Basis AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis	13150000	usd
CY2023Q1	us-gaap	Available For Sale Securities Debt Maturities Rolling After Year Ten Fair Value AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue	12558000	usd
CY2023Q1	us-gaap	Available For Sale Debt Securities Amortized Cost Basis AvailableForSaleDebtSecuritiesAmortizedCostBasis	223620000	usd
CY2023Q1	us-gaap	Available For Sale Securities Debt Securities AvailableForSaleSecuritiesDebtSecurities	200440000	usd
CY2023Q1	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months	39956000	usd
CY2023Q1	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	1047000	usd
CY2023Q1	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger	134804000	usd
CY2023Q1	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	22798000	usd
CY2023Q1	us-gaap	Debt Securities Available For Sale Unrealized Loss Position DebtSecuritiesAvailableForSaleUnrealizedLossPosition	174760000	usd
CY2023Q1	us-gaap	Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss	23845000	usd
CY2022Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months	103931000	usd
CY2022Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss	8564000	usd
CY2022Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger	76963000	usd
CY2022Q4	us-gaap	Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss	17945000	usd
CY2022Q4	us-gaap	Debt Securities Available For Sale Unrealized Loss Position DebtSecuritiesAvailableForSaleUnrealizedLossPosition	180894000	usd
CY2022Q4	us-gaap	Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss	26509000	usd
CY2023Q1	wsbf	Securities Unrealized Loss Position Number Of Positions SecuritiesUnrealizedLossPositionNumberOfPositions	169	pure
CY2022Q4	us-gaap	Debt Securities Available For Sale Allowance For Credit Loss DebtSecuritiesAvailableForSaleAllowanceForCreditLoss	0	usd
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CY2022Q1	us-gaap	Financing Receivable Allowance For Credit Losses FinancingReceivableAllowanceForCreditLosses	16905000	usd
CY2023Q1	us-gaap	Provision For Loan Losses Expensed ProvisionForLoanLossesExpensed	-25000	usd
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CY2023Q1	us-gaap	Financing Receivable Originated Four Years Before Latest Fiscal Year FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear	99677000	usd
CY2023Q1	us-gaap	Financing Receivable Originated Five Or More Years Before Latest Fiscal Year FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear	231954000	usd
CY2023Q1	us-gaap	Financing Receivable Revolving FinancingReceivableRevolving	19921000	usd
CY2023Q1	us-gaap	Notes Receivable Gross NotesReceivableGross	1550219000	usd
CY2023Q1	us-gaap	Financing Receivable Year One Originated Current Fiscal Year Writeoff FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff	3000	usd
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CY2023Q1	us-gaap	Financing Receivable Allowance For Credit Losses Write Offs FinancingReceivableAllowanceForCreditLossesWriteOffs	24000	usd
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CY2023Q1	us-gaap	Financing Receivable Modifications Recorded Investment FinancingReceivableModificationsRecordedInvestment	335000	usd
CY2023Q1	wsbf	Financing Receivable Modified Number Of Contracts FinancingReceivableModifiedNumberOfContracts	1	pure
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CY2022Q1	wsbf	Financing Receivable Modified Number Of Contracts FinancingReceivableModifiedNumberOfContracts	2	pure
CY2022Q1	us-gaap	Financing Receivable Modifications Recorded Investment FinancingReceivableModificationsRecordedInvestment	432000	usd
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CY2022Q1	wsbf	Financing Receivable Troubled Debt Restructuring Subsequent Default Number Of Contracts FinancingReceivableTroubledDebtRestructuringSubsequentDefaultNumberOfContracts	0	pure
CY2023Q1	us-gaap	Financing Receivable Recorded Investment Nonaccrual Status FinancingReceivableRecordedInvestmentNonaccrualStatus	4477000	usd
CY2022Q4	us-gaap	Financing Receivable Recorded Investment Nonaccrual Status FinancingReceivableRecordedInvestmentNonaccrualStatus	4307000	usd
CY2023Q1	wsbf	Nonaccrual Loans To Total Loans Receivable Percentage NonaccrualLoansToTotalLoansReceivablePercentage	0.0029	pure
CY2022Q4	wsbf	Nonaccrual Loans To Total Loans Receivable Percentage NonaccrualLoansToTotalLoansReceivablePercentage	0.0029	pure
CY2023Q1	wsbf	Nonaccrual Loans To Total Assets Percentage NonaccrualLoansToTotalAssetsPercentage	0.0021	pure
CY2022Q4	wsbf	Nonaccrual Loans To Total Assets Percentage NonaccrualLoansToTotalAssetsPercentage	0.0021	pure
CY2022Q4	us-gaap	Servicing Asset At Amortized Value ServicingAssetAtAmortizedValue	3445000	usd
CY2021Q4	us-gaap	Servicing Asset At Amortized Value ServicingAssetAtAmortizedValue	1555000	usd
CY2023Q1	us-gaap	Servicing Asset At Amortized Value Additions ServicingAssetAtAmortizedValueAdditions	302000	usd
CY2022Q1	us-gaap	Servicing Asset At Amortized Value Additions ServicingAssetAtAmortizedValueAdditions	1001000	usd
CY2023Q1	us-gaap	Servicing Asset At Amortized Value Amortization1 ServicingAssetAtAmortizedValueAmortization1	71000	usd
CY2022Q1	us-gaap	Servicing Asset At Amortized Value Amortization1 ServicingAssetAtAmortizedValueAmortization1	105000	usd
CY2023Q1	us-gaap	Servicing Asset At Amortized Value Disposals ServicingAssetAtAmortizedValueDisposals	2767000	usd
CY2022Q1	us-gaap	Servicing Asset At Amortized Value Disposals ServicingAssetAtAmortizedValueDisposals	-0	usd
CY2023Q1	us-gaap	Servicing Asset At Amortized Value ServicingAssetAtAmortizedValue	909000	usd
CY2022Q1	us-gaap	Servicing Asset At Amortized Value ServicingAssetAtAmortizedValue	2451000	usd
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CY2022Q1	us-gaap	Valuation Allowance For Impairment Of Recognized Servicing Assets Balance ValuationAllowanceForImpairmentOfRecognizedServicingAssetsBalance	7000	usd
CY2023Q1	wsbf	Mortgage Servicing Rights Net MortgageServicingRightsNet	909000	usd
CY2022Q1	wsbf	Mortgage Servicing Rights Net MortgageServicingRightsNet	2458000	usd
CY2023Q1	wsbf	Unpaid Principal Balance Of Loans Serviced For Others UnpaidPrincipalBalanceOfLoansServicedForOthers	116600000	usd
CY2022Q4	wsbf	Unpaid Principal Balance Of Loans Serviced For Others UnpaidPrincipalBalanceOfLoansServicedForOthers	409600000	usd
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CY2022Q4	us-gaap	Servicing Asset At Amortized Value Fair Value ServicingAssetAtAmortizedValueFairValue	5000000.0	usd
CY2023Q1	wsbf	Mortgage Servicing Rights Underlying Financing Receivable MortgageServicingRightsUnderlyingFinancingReceivable	318400000	usd
CY2023Q1	wsbf	Mortgage Servicing Rights Underlying Financing Receivable Book Value MortgageServicingRightsUnderlyingFinancingReceivableBookValue	2800000	usd
CY2023Q1	us-gaap	Proceeds From Sale Of Mortgage Servicing Rights Msr ProceedsFromSaleOfMortgageServicingRightsMSR	3500000	usd
CY2023Q1	us-gaap	Gain Loss On Sales Of Mortgage Backed Securities Mbs GainLossOnSalesOfMortgageBackedSecuritiesMBS	601000	usd
CY2022Q1	us-gaap	Proceeds From Sale Of Mortgage Servicing Rights Msr ProceedsFromSaleOfMortgageServicingRightsMSR	0	usd
CY2023Q1	wsbf	Mortgage Servicing Rights Future Amortization Expenses Year One MortgageServicingRightsFutureAmortizationExpensesYearOne	116000	usd
CY2023Q1	wsbf	Mortgage Servicing Rights Future Amortization Expenses Year Two MortgageServicingRightsFutureAmortizationExpensesYearTwo	165000	usd
CY2023Q1	wsbf	Mortgage Servicing Rights Future Amortization Expenses Year Three MortgageServicingRightsFutureAmortizationExpensesYearThree	149000	usd
CY2023Q1	wsbf	Mortgage Servicing Rights Future Amortization Expenses Year Four MortgageServicingRightsFutureAmortizationExpensesYearFour	132000	usd
CY2023Q1	wsbf	Mortgage Servicing Rights Future Amortization Expenses Year Five MortgageServicingRightsFutureAmortizationExpensesYearFive	116000	usd
CY2023Q1	wsbf	Mortgage Servicing Rights Future Amortization Expenses Thereafter MortgageServicingRightsFutureAmortizationExpensesThereafter	231000	usd
CY2023Q1	wsbf	Mortgage Servicing Rights MortgageServicingRights	909000	usd
CY2023Q1	us-gaap	Deposit Liability Uninsured DepositLiabilityUninsured	120300000	usd
CY2022Q4	us-gaap	Deposit Liability Uninsured DepositLiabilityUninsured	115500000	usd
CY2023Q1	us-gaap	Time Deposit Maturities Year One TimeDepositMaturitiesYearOne	538425000	usd
CY2023Q1	us-gaap	Time Deposit Maturities Year Two TimeDepositMaturitiesYearTwo	128888000	usd
CY2023Q1	us-gaap	Time Deposit Maturities Year Three TimeDepositMaturitiesYearThree	7063000	usd
CY2023Q1	us-gaap	Time Deposit Maturities Year Four TimeDepositMaturitiesYearFour	761000	usd
CY2023Q1	us-gaap	Time Deposit Maturities Year Five TimeDepositMaturitiesYearFive	729000	usd
CY2023Q1	us-gaap	Time Deposits TimeDeposits	675866000	usd
CY2023Q1	us-gaap	Related Party Deposit Liabilities RelatedPartyDepositLiabilities	7800000	usd
CY2022Q4	us-gaap	Related Party Deposit Liabilities RelatedPartyDepositLiabilities	9200000	usd
CY2023Q1	us-gaap	Deposit Liabilities Reclassified As Loans Receivable1 DepositLiabilitiesReclassifiedAsLoansReceivable1	1200000	usd
CY2023Q1	us-gaap	Federal Home Loan Bank Advances General Debt Obligations Disclosures Collateral Pledged1 FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1	23900000	usd
CY2022Q4	us-gaap	Federal Home Loan Bank Advances General Debt Obligations Disclosures Collateral Pledged1 FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1	17400000	usd
CY2022Q4	us-gaap	Loss Contingency Estimate Of Possible Loss LossContingencyEstimateOfPossibleLoss	0	usd
CY2023Q1	us-gaap	Litigation Reserve LitigationReserve	2100000	usd
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CY2023Q1	wsbf	Number Of States The Company Can Lend State NumberOfStatesTheCompanyCanLendState	48	pure
CY2023Q1	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	13795000	usd
CY2023Q1	us-gaap	Provision For Loan Lease And Other Losses ProvisionForLoanLeaseAndOtherLosses	460000	usd
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CY2023Q1	us-gaap	Net Income Loss NetIncomeLoss	2155000	usd
CY2022Q1	us-gaap	Net Income Loss NetIncomeLoss	5291000	usd
CY2023Q1	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	20890000
CY2022Q1	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	23132000
CY2023Q1	us-gaap	Incremental Common Shares Attributable To Share Based Payment Arrangements IncrementalCommonSharesAttributableToShareBasedPaymentArrangements	90000
CY2022Q1	us-gaap	Incremental Common Shares Attributable To Share Based Payment Arrangements IncrementalCommonSharesAttributableToShareBasedPaymentArrangements	179000
CY2023Q1	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	20980000
CY2022Q1	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	23311000
CY2023Q1	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	0.10
CY2022Q1	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	0.23
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CY2022Q1	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	0.23
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CY2023Q1	us-gaap	Interest Income Expense After Provision For Loan Loss InterestIncomeExpenseAfterProvisionForLoanLoss	13335000	usd
CY2023Q1	us-gaap	Noninterest Income NoninterestIncome	18554000	usd
CY2023Q1	us-gaap	Labor And Related Expense LaborAndRelatedExpense	20052000	usd
CY2023Q1	us-gaap	Occupancy Net OccupancyNet	2263000	usd
CY2023Q1	us-gaap	Advertising Expense AdvertisingExpense	889000	usd
CY2023Q1	us-gaap	Information Technology And Data Processing InformationTechnologyAndDataProcessing	1122000	usd
CY2023Q1	us-gaap	Communication Communication	251000	usd
CY2023Q1	us-gaap	Professional Fees ProfessionalFees	416000	usd
CY2023Q1	wsbf	Foreclosed Real Estate Expense Income ForeclosedRealEstateExpenseIncome	1000	usd
CY2023Q1	us-gaap	Loan Processing Fee LoanProcessingFee	1018000	usd
CY2023Q1	us-gaap	Other Noninterest Expense OtherNoninterestExpense	3095000	usd
CY2023Q1	us-gaap	Noninterest Expense NoninterestExpense	29107000	usd
CY2023Q1	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	2782000	usd
CY2023Q1	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	627000	usd
CY2023Q1	us-gaap	Net Income Loss NetIncomeLoss	2155000	usd
CY2023Q1	us-gaap	Assets Assets	2114499000	usd
CY2022Q1	us-gaap	Interest Income Expense Net InterestIncomeExpenseNet	11864000	usd
CY2022Q1	us-gaap	Provision For Loan Lease And Other Losses ProvisionForLoanLeaseAndOtherLosses	-76000	usd
CY2022Q1	us-gaap	Interest Income Expense After Provision For Loan Loss InterestIncomeExpenseAfterProvisionForLoanLoss	11940000	usd
CY2022Q1	us-gaap	Noninterest Income NoninterestIncome	29818000	usd
CY2022Q1	us-gaap	Labor And Related Expense LaborAndRelatedExpense	25535000	usd
CY2022Q1	us-gaap	Occupancy Net OccupancyNet	2188000	usd
CY2022Q1	us-gaap	Advertising Expense AdvertisingExpense	905000	usd
CY2022Q1	us-gaap	Information Technology And Data Processing InformationTechnologyAndDataProcessing	1202000	usd
CY2022Q1	us-gaap	Communication Communication	340000	usd
CY2022Q1	us-gaap	Professional Fees ProfessionalFees	461000	usd
CY2022Q1	wsbf	Foreclosed Real Estate Expense Income ForeclosedRealEstateExpenseIncome	5000	usd
CY2022Q1	us-gaap	Loan Processing Fee LoanProcessingFee	1431000	usd
CY2022Q1	us-gaap	Other Noninterest Expense OtherNoninterestExpense	2868000	usd
CY2022Q1	us-gaap	Noninterest Expense NoninterestExpense	34935000	usd
CY2022Q1	us-gaap	Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest	6823000	usd
CY2022Q1	us-gaap	Income Tax Expense Benefit IncomeTaxExpenseBenefit	1532000	usd
CY2022Q1	us-gaap	Net Income Loss NetIncomeLoss	5291000	usd
CY2022Q1	us-gaap	Assets Assets	2004614000	usd

Files In Submission

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$WSBF
Waterstone Financial, Inc. Stock $wsbf

2023 Q2 Form 10-Q Financial Statement

#000143774923012126 Filed on May 02, 2023

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$WSBF Waterstone Financial, Inc. Stock $wsbf

2023 Q2 Form 10-Q Financial Statement

#000143774923012126 Filed on May 02, 2023

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$WSBF
Waterstone Financial, Inc. Stock $wsbf