Waterstone Financial, Inc. (WSBF)

Waterstone Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	71.11	39.76	36.42	46.64	376.72
Securities and Investments	230.85	208.55	204.91	196.59	179.02
Trading Assets	145.06	135.91	164.99	131.19	312.74
Gross Loans	1,676	1,681	1,664	1,510	1,206
Allowance for Loan Losses	-17.48	-18.25	-18.55	-17.76	-15.78
Net Loans	1,658	1,662	1,646	1,492	1,190
Net Property, Plant & Equipment	18.86	19.39	20	21.11	22.27
Long-Term Investments	19.8	20.3	20.88	17.36	24.44
Other Non-Earning Assets	115.76	123.38	120.53	126.37	110.66
Total Assets	2,260	2,210	2,213	2,032	2,216
Interest-bearing deposits	1,262	1,189	1,004	968.42	1,019
Noninterest-bearing deposits	175.6	171.12	187.11	230.6	214.41
Total Deposits	1,437	1,360	1,191	1,199	1,233
Short-Term Interbank Borrowing and Repurchase Agreements	412.26	446.52	611.05	386.78	477.13
Accrued Expenses	3	5.63	6.61	5.33	4.09
Other Liabilities	57.59	58.43	61.05	70.06	68.48
Total Liabilities	1,910	1,870	1,869	1,661	1,783
Preferred Stock	0.18	0.19	-	-	-
Common Stock	78.01	91.21	0.2	0.22	0.25
Additional Paid-in Capital	292.96	277.2	103.91	128.55	174.51
Accumulated Other Comprehensive Income	-12.27	-18.79	-29.66	-32.53	-15.38
Retained Earnings	-9.5	-10.68	269.61	274.25	273.4
Shareholders' Equity	349.39	339.14	344.06	370.49	432.77
Total Liabilities & Equity	2,260	2,210	2,213	2,032	2,216
Book Value	349.39	339.14	344.06	370.49	432.77
Book Value Per Share	19.56	18.24	17.04	16.83	18.08
Tangible Book Value	349.39	339.14	344.06	370.49	432.77
Tangible Book Value Per Share	19.56	18.24	17.04	16.83	18.08

Updated Jan 28, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q