Waterstone Financial Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	71.11	39.76	36.42	46.64	376.72
Investment Securities	230.85	60.8	53	50.4	57.28
Trading Asset Securities	-	13.47	12.38	16.85	5.95
Mortgage-Backed Securities	-	147.75	151.91	146.19	121.73
Total Investments	230.85	222.02	217.29	213.43	184.96
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
Property, Plant & Equipment	18.86	19.39	20	21.11	22.27
Loans Held for Sale	145.06	135.91	164.99	131.19	312.74
Other Current Assets	37.99	23.11	26.06	26.82	32.33
Long-Term Deferred Tax Assets	-	10.94	12.16	12.67	5.32
Other Real Estate Owned & Foreclosed	0.42	0.51	0.25	0.15	0.15
Other Long-Term Assets	77.35	75.34	69.67	69.89	66.92
Total Assets	2,260	2,210	2,213	2,032	2,216
Interest Bearing Deposits	1,437	1,193	1,059	1,084	1,131
Institutional Deposits	-	167.3	131.4	115.5	102.6
Total Deposits	1,437	1,360	1,191	1,199	1,233
Short-Term Borrowings	-	309.14	468.46	204.62	8.71
Long-Term Debt	412.26	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	-	150	155	200	470
Other Long-Term Liabilities	60.59	51.44	55.25	57.55	70.99
Total Liabilities	1,910	1,870	1,869	1,661	1,783
Common Stock	0.18	0.19	0.2	0.22	0.25
Additional Paid-In Capital	78.01	91.21	103.91	128.55	174.51
Retained Earnings	292.96	277.2	269.61	274.25	273.4
Comprehensive Income & Other	-21.76	-29.47	-29.66	-32.53	-15.38
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
Total Debt	412.26	459.14	623.46	404.62	478.71
Net Cash (Debt)	-341.15	-405.91	-574.66	-341.14	-96.04
Net Cash Per Share	-19.09	-21.84	-28.45	-15.50	-4.01
Filing Date Shares Outstanding	17.47	18.37	19	23.07	24.22
Total Common Shares Outstanding	17.47	18.39	19.26	21.02	24.78
Book Value Per Share	20.00	18.44	17.86	17.63	17.46
Tangible Book Value	349.39	339.14	344.06	370.49	432.77
Tangible Book Value Per Share	20.00	18.44	17.86	17.63	17.46

Updated Jan 28, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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