Waterstone Financial (WSBF) risk factors

Item 1A of every Waterstone Financial, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
54 risks10 new4 reworded
Waterstone Financial faces new operational risks from artificial intelligence and payment processing, alongside ongoing deposit shifts to higher-cost certificates of deposit.
Filed Feb 26, 2026
FY2024 10-K risk factors
44 risks
Waterstone Financial is heavily exposed to interest rate swings, local Milwaukee real estate markets, and regulatory compliance demands. The bank relies significantly on certificates of deposit for funding, increasing its cost of funds. Mortgage banking activities and secondary market conditions drive a large portion of non-interest income.
Filed Feb 28, 2025