WaterStone Bank, SSB
Wauwatosa, WI
IDRSSD: 310978
Total Assets
$2.27B
Latest filing
Total Deposits
$1.43B
Latest filing
Net Interest Margin
2.84%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
WaterStone Bank, SSB
11200 W Plank Ct
Wauwatosa, WI 53226
Limited Service - Administrative
Updated 11/14/2025Established 01/01/1921FDIC Certificate 41347
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| WaterStone Bank, SSB (Main) | 11200 W Plank Ct | Wauwatosa, WI |
| OAK CREEK BRANCH | 6560 S 27th St | Oak Creek, WI |
| STATE STREET DRIVE UP FACILITY BRANCH | 7136 W State St | Wauwatosa, WI |
| OCONOMOWOC BRANCH | 1239-45 Oconomowoc Drive | Oconomowoc, WI |
| WAUWATOSA STATE STREET OFFICE | 7500 W State St | Wauwatosa, WI |
| GEORGE TOWNE DRIVE BRANCH | 1230 George Towne Dr | Pewaukee, WI |
| WAUKESHA BRANCH | 21505 Us-18 E | Brookfield, WI |
| FRANKLIN BRANCH | 6555 S 108th St | Franklin, WI |
Showing 7 of 15
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1921 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 53226 |
| State and County Number | 55079 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Milwaukee-Waukesha, WI |
Operational Info
| Number of Employees | 593 |
| Domestic Offices | 16 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/30/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.wsbonline.com |
| Data Updated | 11/14/2025 |
| CERT | 28513 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.27B |
| Total Deposits | $1.43B |
| Total Liabilities | $1.94B |
| Total Equity Capital | $333.15M |
| Net Income | $7.87M |
| Net Loans and Leases | $1.83B |
| Assets Per Employee ($Millions) | $3.77M |
| Bank Premises and Fixed Assets | $22.11M |
| Cash and Balances due from Depository Institutions | $53.48M |
| Deposits Held in Domestic Offices | $1.43B |
Key Performance Ratios
| Return on Assets (ROA) | 1.39% |
| Return on Equity (ROE) | 9.53% |
| Net Interest Margin | 2.84% |
| Efficiency Ratio | 74.15% |
| Tier 1 Risk-Based Capital Ratio | 18.776% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.686% |
| Earning Assets to total Assets | 92.86% |
Income and Expense
| Total Interest Income | $29.72M |
| Total Noninterest Income | $22.14M |
| Total Interest Expense | $14.84M |
| Total Noninterest Expense | $27.53M |
| Net Interest Income | $14.89M |
| Pre-tax Net Operating Income | $9.76M |
| Provision for Credit Losses | $-269,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $85.00k |
| Other borrowed funds | $469.06M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $32.31M |
| Total Liabilities and Capital | $2.27B |
Securities
| Securities | $226.69M |
| Available-for-sale debt securities | $226.40M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of WaterStone Bank, SSB?
$2.27B as of the latest filing.
How much are WaterStone Bank, SSB's total deposits?
$1.43B in total deposits.
Where is WaterStone Bank, SSB located?
Wauwatosa, WI.
What is the Net Interest Margin?
2.84%.
How many domestic offices does it operate?
16.
When was it established?
01/01/1921.
What is the Return on Assets (ROA)?
1.39%.
How much are total loans and leases?
$1.83B (latest filing).
What is the total interest income (latest filing)?
$29.72M.