X0508 4 2024-03-06 0001569994 Waterstone Financial, Inc. WSBF 0001374571 Bruss William F 11200 WEST PLANK CT. WAUWATOSA WI 53226 1 COO/General Counsel 0 Common Stock 2024-03-06 4 A 0 2289 0 A 28415 D Common Stock 2024-03-06 4 F 0 695 12.15 D 27720 D Common Stock 53806 I By ESOP Common Stock 17315 I By 401(k) Common Stock 21 I By Custodian Reflects transactions not required to be reported pursuant to Section 16 of the Securities Exchange Act of 1934, as amended. On March 6, 2021 the reporting person was granted 2,639 shares of restricted stock subject to a three-year cliff vesting schedule and subject to the satisfaction of certain performance criteria. On March 6, 2024, 2,289 shares vested and were transferred to the executive. /s/ William F. Bruss 2024-03-08