Waterstone Financial, Inc.
For the period ended Dec 31, 2025. Filed Feb 26, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 26, 2026
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Item 16. Form 10-K Summary
Not applicable.
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WATERSTONE FINANCIAL, INC
(“Waterstone Financial”** or the**“Company”)
Commission File No. 000-51507
EXHIBIT INDEX
TO
2025 REPORT ON FORM 10-K
The following exhibits are filed with, or incorporated by reference in, this Annual Report on Form 10-K for the year ended December 31, 2025:
| Exhibit | Description | Filed Herewith |
| 3.1 | Articles of Incorporation of the Company (2) | |
| 3.2 | Bylaws of the Company (2) | |
| 4.1 | Common Stock Certificate (1) | |
| 4.2 | Description of Registrant Securities (4) | |
| 10.1 | Waterstone Financial, Inc. 2020 Omnibus Incentive Plan †(6) | |
| 10.2 | Waterstone Financial, Inc. Incentive Plan †(3) | |
| 19.1 | Insider Trader Policy | X |
| 21.1 | List of Subsidiaries | X |
| 23.1 | Consent of Independent Registered Public Accounting Firm | X |
| 24.1 | Powers of Attorney | |
| 31.1 | Sarbanes-Oxley Act Section 302 Certification signed by the Chief Executive Officer of Waterstone Financial | X |
| 31.2 | Sarbanes-Oxley Act Section 302 Certification signed by the Chief Financial Officer of Waterstone Financial | X |
| 32.1 | Certification pursuant to 18 U.S. C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 signed by the Chief Executive Officer of Waterstone Financial | X |
| 32.2 | Certification pursuant to 18 U.S. C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 signed by the Chief Financial Officer of Waterstone Financial | X |
| 97.1 | Clawback Policy | X |
| 97.2 | Clawback Policy Amendment | X |
| XML | XBRL Instance Document - the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document | X |
| EX-101.SCH | Inline XBRL Taxonomy Extension Schema | X |
| EX-101.CAL | Inline XBRL Taxonomy Extension Calculation Linkbase | X |
| EX-101.DEF | Inline XBRL Taxonomy Extension Definition Linkbase | X |
| EX-101.LAB | Inline XBRL Taxonomy Label Linkbase | X |
| EX-101.PRE | Inline XBRL Taxonomy Extension Presentation Linkbase | X |
| EX-104 | Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101) | X |
† Management compensation contract or agreement
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(1) Incorporated by reference to the registration Statement on Form S-1 filed by Wauwatosa Holdings, Inc. (the predecessor corporation to Waterstone Financial, Inc., a federal corporation) (Commission file no. 333-125715), filed with the U.S. Securities and Exchange Commission on June 10, 2005.
(2) Incorporated by reference to the registration Statement on Form S-1 (Registration No. 333-189160), initially filed with the U.S. Securities and Exchange Commission on June 7, 2013.
(3) Incorporated by reference to Exhibit 10.1 to Report on Form 8-K filed with the U.S. Securities and Exchange Commission on March 25, 2019 (File No. 001-36271).
(4) Incorporated by reference to Exhibit 4.2 to Report on Form 10-K filed with the U.S. Securities and Exchange Commission on March 13, 2020 (File No. 001-36271).
(5) Incorporated by reference to Exhibit 21.1 to Report on Form 10-K filed with the U.S. Securities and Exchange Commission on March 13, 2020 (File No. 001-36271).
(6) Incorporated by reference to Appendix A to the Definitive Proxy Statement for the 2020 Annual Meeting of Shareholders filed by Waterstone Financial, Inc. (Commission file no. 001-36271), filed with the U.S. Securities and Exchange Commission on April 9, 2020.
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