144 0001336613 XXXXXXXX LIVE 0001569994 Waterstone Financial, Inc. 001-36271 11200 West Plank Ct. Wauwatosa WI 53226 (414) 761-1000 Lawton, Patrick S. (WSBF) Director Common Robert W. Baird & Co. Incorporated

PO Box 0672 Milwaukee WI 53201-0672

49255 886950.00 18456918 02/03/2026 NASDAQ Common 07/09/2020 Option Exercise Issuer N 39255 07/09/2020 Cash Common 03/06/2021 Vesting of Restricted Stock Issuer N 5000 03/06/2021 NA Common 03/06/2022 Vesting of Restricted Stock Issuer N 5000 03/06/2022 NA Y 02/02/2026 /s/ William F. Bruss, Attorney-in-fact