Bank call report · Wauwatosa, WI
Waterstone Bank Call Report
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Waterstone Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 424 reported line items, schedule by schedule (926 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 310978 |
| FDIC certificate number | 28513 |
| Total assets | $2.25B |
Official Q2 2026 call report PDF (FFIEC) →
Waterstone Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · Waterstone Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $2.25B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $2.25B |
| Total Liabilities and Minority Interest | RCON2948 | $1.92B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.68B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.67B |
| Total Deposits | RCON2200 | $1.47B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.36B |
| Other Borrowed Money | RCON3190 | $412.0M |
| Total Equity Capital | RCON3210 | $331.5M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $331.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $237.3M |
| Surplus | RCON3839 | $224.3M |
| Loans and Leases Held for Sale | RCON5369 | $151.7M |
| Other Assets | RCON2160 | $134.6M |
| Undivided Profits and Capital Reserves | RCON3632 | $120.6M |
| Deposits: Noninterest-bearing | RCON6631 | $112.6M |
| Other Liabilities, Total | RCON2930 | $39.5M |
| Interest-bearing Balances | RCON0071 | $30.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $22.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $17.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$13.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $7.9M |
| Intangible Assets | RCON2143 | $1.8M |
| Goodwill | RCON3163 | $611K |
| Other Real Estate Owned | RCON2150 | $318K |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $293K |
| Common Stock | RCON3230 | $1K |
Schedule RI: Income Statement (40 items)
About Schedule RI · Waterstone Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $59.1M |
| Total Noninterest Expense | RIAD4093 | $57.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $53.0M |
| Total Noninterest Income | RIAD4079 | $44.0M |
| Salaries and Employee Benefits | RIAD4135 | $42.0M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $41.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $33.8M |
| Net Interest Income | RIAD4074 | $31.9M |
| Total Interest Expense | RIAD4073 | $27.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $18.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $18.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $18.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $14.4M |
| Net Income (Loss) | RIAD4340 | $14.4M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $14.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $13.2M |
| Other Noninterest Expense | RIAD4092 | $12.0M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $6.7M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $3.9M |
| Applicable Income Taxes | RIAD4302 | $3.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $3.3M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $3.1M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $2.9M |
| Other Noninterest Income | RIADB497 | $2.7M |
| Interest on Other Securities | RIAD4060 | $1.4M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.1M |
| Other Interest Income | RIAD4518 | $840K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $827K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $789K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $500K |
| Provision for Loan and Lease Losses | RIAD4230 | $379K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $213K |
| Net Servicing Fees | RIADB492 | $134K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $94K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $53K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $49K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $48K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$8K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 607 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $37.9M |
| Balances Due from Federal Reserve Banks | RCON0090 | $25.8M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $6.6M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $3.4M |
| Currency and Coin | RCON0080 | $2.1M |
Schedule RC-B: Securities (31 items)
About Schedule RC-B · Waterstone Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $953K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $856K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $8.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $7.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $160.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $146.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $5.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $5.0M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $254.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $137.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $60.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $60.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $55.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $20.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $12.3M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $10.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $9.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $9.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $7.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $6.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $6.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $2.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $2.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $1.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $1.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $1.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $885K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $670K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $382K |
| Pledged Securities | RCON0416 | $36K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $23K |
Schedule RC-C, Part I: Loans and Leases (32 items)
About Schedule RC-C, Part I · Waterstone Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.84B |
| Pledged Loans and Leases | RCONG378 | $1.23B |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $781.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $614.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $552.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $485.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $369.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $272.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $270.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $220.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $216.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $184.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $181.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $108.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $101.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $85.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $67.9M |
| Commercial and Industrial Loans | RCON1766 | $35.6M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $35.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $17.9M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $10.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $9.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $6.7M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $6.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.8M |
| Unearned Income on Loans | RCON2123 | $2.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $1.7M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $1.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $680K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $93K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $52K |
| Other Loans | RCONJ464 | $52K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $52.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $8.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $6.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $971K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $375K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 136 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 68 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 46 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 23 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 22 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 16 |
Schedule RC-E: Deposit Liabilities (26 items)
About Schedule RC-E · Waterstone Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.28B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.28B |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $698.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $501.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $367.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $357.7M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $313.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $197.1M |
| Total Transaction Accounts | RCON2215 | $188.9M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $188.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $170.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $166.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $123.3M |
| Total Demand Deposits (See Note Below) | RCON2210 | $104.3M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $73.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $72.5M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $72.2M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $72.2M |
| Total Brokered Deposits | RCON2365 | $72.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $43.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $29.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $26.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $3.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $1.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $404K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $369K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $68.5M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $19.2M |
| Other Assets | RCON2168 | $18.9M |
| Life Insurance Assets: Separate Account Life Insurance Assets | RCONK202 | $10.7M |
| Derivatives with a Position Fair Value Held for Purposes Other Than Trading | RCONC010 | $9.5M |
| Net Deferred Tax Assets | RCON2148 | $9.1M |
| Accrued Interest Receivable | RCONB556 | $8.2M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $22.7M |
| All Other Liabilities | RCON2938 | $13.1M |
| Derivatives with a Negative Fair Value Held for Purposes Other Than Trading | RCONC012 | $8.7M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $2.8M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $861K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Waterstone Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $2.23B |
| Quarterly Average of Total Loans | RCON3360 | $1.80B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.18B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $742.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $587.4M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $399.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $374.9M |
| Mortgage-backed Securities | RCONB559 | $185.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $161.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $93.2M |
| All Other Securities | RCONB560 | $69.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $48.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $35.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $694K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (13 items)
About Schedule RC-L · Waterstone Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $701.4M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $315.3M |
| Interest Rate Forward Contracts | RCON8697 | $239.3M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $146.8M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $67.5M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $13.9M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $12.1M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $11.4M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $9.5M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $8.7M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $5.5M |
| Performance Standby Letters of Credit | RCON3821 | $1.8M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $24K |
Schedule RC-M: Memoranda (11 items)
About Schedule RC-M · Waterstone Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $232.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $232.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $133.3M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $40.0M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF060 | $6.6M |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCONB571 | $6.6M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $6.6M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $1.5M |
| Mortgage Servicing Assets | RCON3164 | $1.1M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $318K |
| All other intangible assets | RCONJF76 | $52K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (13 items)
About Schedule RC-N · Waterstone Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Additions to Nonaccrual Assets | RCONC410 | $6.8M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $6.5M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $6.2M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $5.1M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $4.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $1.6M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $1.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $551K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $453K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual | RCON3501 | $239K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $118K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $75K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $14K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Waterstone Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $2.23B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.47B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $994.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $404.3M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $394.5M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $352.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $66.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $7.7M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 29,954 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 2,658 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 783 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 22 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $614.7M |
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $607.4M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $151.7M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $22.2M |
| Representation and Warranty Reserves for 1-4 Family Residential Mortgage Loans Sold: Total | RCONM288 | $1.1M |
| Repurchases and indemnification of 1-4 family residential mortgage laons during the quarter | RCONHT86 | $90K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (26 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases Held for Sale - Level 2 Fair Value Measurements | RCONG486 | $151.7M |
| Loans and Leases Held for Sale - Total Fair Value Reported on Schedule Rc | RCONG483 | $151.7M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $398.8M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $397.5M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $237.6M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $237.3M |
| Loans measured at fair value, Loans secured by real estate, Secured by 1-4 family residential properties, Domestic Offices | RCONHT87 | $151.7M |
| Loans measured at fair value, Unpaid principal balance of loans measured at fair value, Secured by 1-4 family residential properties, Domestic Offices | RCONHT91 | $148.8M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Total Fair Value Reported on Schedule Rc | RCONG541 | $9.5M |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $9.5M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc | RCONG566 | $8.7M |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $8.7M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $8.7M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 2 Fair Value Measurements | RCONG544 | $8.4M |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $8.4M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG569 | $8.4M |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $8.4M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $8.4M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 3 Fair Value Measurements | RCONG545 | $1.1M |
| All Other Assets - Level 3 Fair Value Measurements | RCONG804 | $1.1M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCONG506 | $1.1M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 3 Fair Value Measurement | RCONG570 | $305K |
| All Other Liabilities - Level 3 Fair Value Measurements | RCONG809 | $305K |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCONG535 | $305K |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $293K |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $293K |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Waterstone Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $1.84B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)
About Schedule RC-R, Part I · Waterstone Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $2.23B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $2.23B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $1.84B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $362.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $344.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $344.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $344.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $331.5M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $224.3M |
| Retained Earnings | RCOAKW00 | $120.6M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $18.7M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $18.7M |
| Tier 2 Capital Before Deductions | RCOAP870 | $18.7M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$13.4M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$13.4M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $870K |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $611K |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $207K |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $52K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1968 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1866 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1866 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1543 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1168 |
Schedule RC-R, Part II: Risk-Weighted Assets (77 items)
About Schedule RC-R, Part II · Waterstone Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $1.84B |
| Total Risk-weighted Assets | RCONG641 | $1.84B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.41B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.41B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.33B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $1.25B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $788.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $638.3M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $626.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $462.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $402.0M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $402.0M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $319.2M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $315.3M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $239.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $237.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $197.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $197.0M |
| Total All Other Assets | RCOND981 | $159.7M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $151.7M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $141.5M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $125.2M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $124.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $90.8M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $89.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $85.3M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $60.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $42.7M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $42.4M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $39.4M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $37.9M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $37.4M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $36.3M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$34.5M |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCONG619 | $34.3M |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCONG618 | $34.3M |
| Risk-weighted Assets by Risk-weighted Category - 600 Pct Risk Weight Category | RCONS576 | $33.3M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $29.4M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS415 | $27.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $25.1M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $24.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $24.2M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $24.2M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $24.2M |
| All Other Off- Balance Sheet Liabilities - 100 Pct Risk Weight Category | RCONG623 | $22.8M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $19.8M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$17.2M |
| All Other Off- Balance Sheet Liabilities - 50 Pct Risk Weight Category | RCONG622 | $11.5M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $10.7M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $10.7M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $10.0M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $8.5M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $6.5M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $6.5M |
| Available-for-sale Securities - 600 Pct Risk Weight Category | RCONS406 | $5.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 600 Pct Risk Weight Category | RCONS565 | $5.6M |
| Total Balance Sheet Assets - 600 Pct Risk Weight Category | RCONS507 | $5.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $5.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $5.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $4.8M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $4.7M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $4.7M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $3.0M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $2.0M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $1.8M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $1.2M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $1.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $1.2M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 0 Pct Risk Weight Category | RCOND999 | $902K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $902K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $611K |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $247K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $247K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $138K |
| Financial Standby Letters of Credit - 0 Pct Risk Weight Category | RCOND993 | $24K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $24K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $24K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $958.5M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $148.8M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $34.3M |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $337.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $337.8M |
| Total Equity Capital | RIAD3210 | $331.5M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $19.9M |
| Other Comprehensive Income | RIADB511 | -$1.1M |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $302K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · Waterstone Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $42K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $36K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $15K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $15K |
| Recoveries on Loans Secured by Multifamily (5 or More) Residential Properties | RIAD3589 | $3K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $2K |
| Recoveries on Loans to Credit Cards | RIADB515 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Waterstone Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $17.9M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $17.5M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $121K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $15K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $1.68B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $1.26B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $324.4M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $67.9M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $35.6M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $17.9M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $12.3M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $4.2M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $1.1M |
| Loans and Leases, Held for Investment, Credit cards, Amortized Cost | RCONJJ08 | $680K |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $295K |
| Loans and Leases, Held for Investment, Credit cards, Allowance Balance | RCONJJ16 | $65K |
Schedule RI-E: Explanations (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $2.5M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $1.7M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $1.4M |
| Marketing and Other Professional Services | RIAD0497 | $1.2M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $339K |
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | $303K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $300K |
| Third Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4463 | $216K |
Waterstone Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Waterstone Bank call report?
The Waterstone Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Waterstone Bank file?
Waterstone Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Waterstone Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Waterstone Bank has Federal Reserve RSSD ID 310978 and FDIC certificate number 28513. Either one finds its filings on the FFIEC Central Data Repository.
How often does Waterstone Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Waterstone Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 28513) · FFIEC NIC profile (RSSD 310978)