Results of Operations and Financial Condition. On July 23, 2026, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter and six months ended June 30, 2026. A copy of the press release is being furnished to the Securities and Exchange Commission as Exhibit 99.1 attached to this report and incorporated by reference.

Results of Operations and Financial Condition . On June 23, 2026, the Board of Directors of Waterstone Financial, Inc. (the "Company") declared a regular quarterly dividend on the Company's outstanding shares of common stock. The news release containing this information is attached as Exhibit 99.1 hereto and is incorporated herein by reference.

Other Events. On April 27, 2026, Waterstone Financial, Inc. issued a press release announcing that the Company's Board of Directors authorized the repurchase of up to an additional 2,000,000 shares of the Company's outstanding shares of common stock under its existing repurchase program. Combined with the shares authorized today, there are 2,148,285 shares available for repurchase under the Company's repurchase program. A copy of the press release is filed as Exhibit 99.1 attached to this rep…

Results of Operations and Financial Condition. On April 23, 2026, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter ended March 31, 2026. A copy of the press release is being furnished to the Securities and Exchange Commission as Exhibit 99.1 attached to this report and incorporated by reference.

Results of Operations and Financial Condition. On March 17, 2026, the Board of Directors of Waterstone Financial, Inc. (the "Company") declared a regular quarterly dividend on the Company's outstanding shares of common stock. The news release containing this information is attached as Exhibit 99.1 hereto and is incorporated herein by reference.

Results of Operations and Financial Condition. On January 28, 2026, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter and year ended December 31, 2025. A copy of the press release is being furnished to the Securities and Exchange Commission as Exhibit 99.1 attached to this report and incorporated by reference.

Results of Operations and Financial Condition. On December 18,2025, the Board of Directors of Waterstone Financial, Inc. (the "Company") declared a regular quarterly dividend on the Company's outstanding shares of common stock. The news release containing this information is attached as Exhibit 99.1 hereto and is incorporated herein by reference.

Results of Operations and Financial Condition. On October 23, 2025, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter and year ended September 30, 2025. A copy of the press release is being furnished to the Securities and Exchange Commission as Exhibit 99.1 attached to this report and incorporated by reference.

Chairperson of the Board’s Audit Committee and member of the Board — Michael Hansen: Mr. Hansen is retiring from his roles, and Laura Piotrowski has been appointed as the new Chairperson of the Audit Committee.

Results of Operations and Financial Condition. On September 23,2025, the Board of Directors of Waterstone Financial, Inc. (the "Company") declared a regular quarterly dividend on the Company's outstanding shares of common stock. The news release containing this information is attached as Exhibit 99.1 hereto and is incorporated herein by reference.

Results of Operations and Financial Condition. On July 22, 2025, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter and year ended June 30, 2025. A copy of the press release is being furnished to the Securities and Exchange Commission as Exhibit 99.1 attached to this report and incorporated by reference.

Director — Molly Mulroy, Laura Piotrowski: Election of new directors to the Board of Directors and subsidiary bank.

Results of Operations and Financial Condition. On June 17,2025, the Board of Directors of Waterstone Financial, Inc. (the "Company") declared a regular quarterly dividend on the Company's outstanding shares of common stock. The news release containing this information is attached as Exhibit 99.1 hereto and is incorporated herein by reference.

Director — Ellen S. Bartel: Annual board election of a new director.

Results of Operations and Financial Condition. On April 22, 2025, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter and year ended March 31, 2025. A copy of the press release is being furnished to the Securities and Exchange Commission as Exhibit 99.1 attached to this report and incorporated by reference.

Director — Michael Hansen: Mr. Hansen is retiring from his role as a Director but will continue to serve until a successor is elected.

Results of Operations and Financial Condition. On March 20,2025, the Board of Directors of Waterstone Financial, Inc. (the "Company") declared a regular quarterly dividend on the Company's outstanding shares of common stock. The news release containing this information is attached as Exhibit 99.1 hereto and is incorporated herein by reference.

Results of Operations and Financial Condition. On January 28, 2025, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter and year ended December 31, 2024. A copy of the press release is being furnished to the Securities and Exchange Commission as Exhibit 99.1 attached to this report and incorporated by reference.

Results of Operations and Financial Condition. On December 19, 2024, the Board of Directors of Waterstone Financial, Inc. (the "Company") declared a regular quarterly dividend on the Company's outstanding shares of common stock. The news release containing this information is attached as Exhibit 99.1 hereto and is incorporated herein by reference.

Results of Operations and Financial Condition. On October 22, 2024, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter and nine months ended September 30, 2024. A copy of the press release is being furnished to the Securities and Exchange Commission as Exhibit 99.1 attached to this report and incorporated by reference.

Results of Operations and Financial Condition. On September 24, 2024, the Board of Directors of Waterstone Financial, Inc. (the "Company") declared a regular quarterly dividend on the Company's outstanding shares of common stock. The news release containing this information is attached as Exhibit 99.1 hereto and is incorporated herein by reference.

Results of Operations and Financial Condition. On July 25, 2024, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter and six months ended June 30, 2024. A copy of the press release is being furnished to the Securities and Exchange Commission as Exhibit 99.1 attached to this report and incorporated by reference.

Results of Operations and Financial Condition. On June 18, 2024, the Board of Directors of Waterstone Financial, Inc. (the "Company") declared a regular quarterly dividend on the Company's outstanding shares of common stock. The news release containing this information is attached as Exhibit 99.1 hereto and is incorporated herein by reference.

Results of Operations and Financial Condition. On April 30, 2024, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter ended March 31, 2024. A copy of the press release is being furnished to the Securities and Exchange Commission as Exhibit 99.1 attached to this report and incorporated by reference.

President and CEO — Mr. Jeffrey McGuiness: Jeffrey McGuiness was hired as the new President and CEO with a detailed employment agreement.