    <SEC-DOCUMENT>0001437749-25-011625-index.html : 20250410
    <SEC-HEADER>0001437749-25-011625.hdr.sgml : 20250410
    <ACCEPTANCE-DATETIME>20250410125019
    ACCESSION NUMBER:		0001437749-25-011625
    CONFORMED SUBMISSION TYPE:	ARS
    PUBLIC DOCUMENT COUNT:		1
    CONFORMED PERIOD OF REPORT:	20241231
    FILED AS OF DATE:		20250410
    DATE AS OF CHANGE:		20250410
    EFFECTIVENESS DATE:		20250410

    FILER:

    	COMPANY DATA:
    		COMPANY CONFORMED NAME:			Waterstone Financial, Inc.
    		CENTRAL INDEX KEY:			0001569994
    		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
    		ORGANIZATION NAME:           	02 Finance
    		EIN:				000000000
    		STATE OF INCORPORATION:			MD
    		FISCAL YEAR END:			1231

    	FILING VALUES:
    		FORM TYPE:		ARS
    		SEC ACT:		1934 Act
    		SEC FILE NUMBER:	001-36271
    		FILM NUMBER:		25827536

    	BUSINESS ADDRESS:
    		STREET 1:		11200 WEST PLANK COURT
    		CITY:			WAUWATOSA
    		STATE:			WI
    		ZIP:			53226
    		BUSINESS PHONE:		(414) 761-1000

    	MAIL ADDRESS:
    		STREET 1:		11200 WEST PLANK COURT
    		CITY:			WAUWATOSA
    		STATE:			WI
    		ZIP:			53226
    </SEC-HEADER>
    <DOCUMENT>
    <TYPE>ARS
    <SEQUENCE>1
    <FILENAME>waterstonears.pdf
    <DESCRIPTION>ARS
    <TEXT>
    Document 1 - file: waterstonears.pdf

    </DOCUMENT>
    </SEC-DOCUMENT>