Waterstone Financial Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	44.65	71.11	39.76	36.42	46.64	376.72
Securities and Investments	237.02	230.85	208.55	204.91	196.59	179.02
Trading Assets	144.35	145.06	135.91	164.99	131.19	312.74
Gross Loans	1,684	1,676	1,681	1,664	1,510	1,206
Allowance for Loan Losses	-17.71	-17.48	-18.25	-18.55	-17.76	-15.78
Net Loans	1,667	1,658	1,662	1,646	1,492	1,190
Net Property, Plant & Equipment	19.27	18.86	19.39	20	21.11	22.27
Long-Term Investments	18.76	19.8	20.3	20.88	17.36	24.44
Other Non-Earning Assets	120.56	115.76	123.38	120.53	126.37	110.66
Total Assets	2,251	2,260	2,210	2,213	2,032	2,216
Interest-bearing deposits	1,257	1,262	1,189	1,004	968.42	1,019
Noninterest-bearing deposits	181.76	175.6	171.12	187.11	230.6	214.41
Total Deposits	1,439	1,437	1,360	1,191	1,199	1,233
Short-Term Interbank Borrowing and Repurchase Agreements	413.03	412.26	446.52	611.05	386.78	477.13
Accrued Expenses	11.13	3	5.63	6.61	5.33	4.09
Other Liabilities	40.06	57.59	58.43	61.05	70.06	68.48
Total Liabilities	1,903	1,910	1,870	1,869	1,661	1,783
Preferred Stock	0.18	0.18	0.19	-	-	-
Common Stock	74.49	78.01	91.21	0.2	0.22	0.25
Additional Paid-in Capital	296.03	292.96	277.2	103.91	128.55	174.51
Accumulated Other Comprehensive Income	-13.29	-12.27	-18.79	-29.66	-32.53	-15.38
Retained Earnings	-9.2	-9.5	-10.68	269.61	274.25	273.4
Shareholders' Equity	348.21	349.39	339.14	344.06	370.49	432.77
Total Liabilities & Equity	2,251	2,260	2,210	2,213	2,032	2,216
Book Value	348.21	349.39	339.14	344.06	370.49	432.77
Book Value Per Share	19.73	19.56	18.24	17.04	16.83	18.08
Tangible Book Value	348.21	349.39	339.14	344.06	370.49	432.77
Tangible Book Value Per Share	19.73	19.56	18.24	17.04	16.83	18.08

Updated Apr 23, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q