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  <xsd:element abstract="true" id="wsbf_statement-statement-note-3-fair-value-measurements-ebp-investment-fair-value-and-nav-details2B89A89E-89BE-4E97-84DD-D386BB8A409C" name="statement-statement-note-3-fair-value-measurements-ebp-investment-fair-value-and-nav-details2B89A89E-89BE-4E97-84DD-D386BB8A409C" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-3-fair-value-measurements-tables" name="statement-statement-note-3-fair-value-measurements-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-schedule-h-line-4i-schedule-of-assets-held-at-end-of-year-2-2-details" name="statement-statement-schedule-h-line-4i-schedule-of-assets-held-at-end-of-year-2-2-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-schedule-h-line-4i-schedule-of-assets-held-at-end-of-year-2-details" name="statement-statement-schedule-h-line-4i-schedule-of-assets-held-at-end-of-year-2-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-schedule-h-line-4i-tables" name="statement-statement-schedule-h-line-4i-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-significant-accounting-policies-policies" name="statement-statement-significant-accounting-policies-policies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
