Waterstone Financial Q2 net income rises to $8.5M; NIM hits 3.03%, highest since 2022

Waterstone Financial, Inc.

Net income $8.5M ($0.49 diluted EPS) vs $7.7M ($0.43) in Q2 2025, up 10.4%.
Community Banking pre-tax income $9.0M (+18.2% YoY); net interest margin 3.03% (highest since Dec 2022).
Mortgage Banking pre-tax income $1.6M (-20.2% YoY) on softer sales margins; originations up 5.6% to $621.8M.
Book value per share $19.53, up from $19.03 at Dec 2025; repurchased 200k shares at $18.40.
Nonperforming assets 0.30% of total assets, improved from 0.37% a year ago.

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