---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-024291"
form_type: "8-K"
ticker: "WSBF"
cik: "0001569994"
company_name: "Waterstone Financial, Inc."
filed_at: "2026-07-23T20:00:09+00:00"
generated_at: "2026-07-23T20:01:37.841172+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001437749-26-024291
- form_type: 8-K
- ticker: WSBF
- cik: 0001569994
- company_name: Waterstone Financial, Inc.
- filed_at: 2026-07-23T20:00:09+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1569994/000143774926024291/0001437749-26-024291-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1569994/000143774926024291/wsbf20260523_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-024291
- JSON: https://secwatch.observer/filing/0001437749-26-024291.json
- Plain text: https://secwatch.observer/filing/0001437749-26-024291.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.