Note 7 - Regulatory Capital (Tables)

6 Months Ended

Jun. 30, 2026

Notes Tables

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

		June 30, 2026
		Actual								For Capital Adequacy Purposes								Minimum Capital Adequacy with Capital Buffer								To Be Well-Capitalized Under Prompt Corrective Action Provisions
		Amount				Ratio				Amount				Ratio				Amount				Ratio				Amount				Ratio
		(Dollars In Thousands)
Total Capital (to risk-weighted assets)
Consolidated Waterstone Financial, Inc.		$	382,410				20.73	%		$	147,550				8.00	%		$	193,660				10.50	%			N/A				N/A
Waterstone Bank			362,782				19.68	%			147,500				8.00	%			193,590				10.50	%			184,375				10.00	%
Tier 1 Capital (to risk-weighted assets)
Consolidated Waterstone Financial, Inc.			363,665				19.72	%			110,660				6.00	%			156,770				8.50	%			N/A				N/A
Waterstone Bank			344,037				18.66	%			110,630				6.00	%			156,720				8.50	%			147,500				8.00	%
Common Equity Tier 1 Capital (to risk-weighted assets)
Consolidated Waterstone Financial, Inc.			363,665				19.72	%			83,000				4.50	%			129,110				7.00	%			N/A				N/A
Waterstone Bank			344,037				18.66	%			82,970				4.50	%			129,060				7.00	%			119,844				6.50	%
Tier 1 Capital (to average assets)
Consolidated Waterstone Financial, Inc.			363,665				16.31	%			89,190				4.00	%			N/A				N/A				N/A				N/A
Waterstone Bank			344,037				15.43	%			89,190				4.00	%			N/A				N/A				111,488				5.00	%
State of Wisconsin (to total assets)
Waterstone Bank			344,037				15.27	%			135,170				6.00	%			N/A				N/A				N/A				N/A

		*December 31, 2025*
		*Actual*								*For Capital Adequacy Purposes*								*Minimum Capital Adequacy with Capital Buffer*								*To Be Well-Capitalized Under Prompt Corrective Action Provisions*
		*Amount*				*Ratio*				*Amount*				*Ratio*				*Amount*				*Ratio*				*Amount*				*Ratio*
		(Dollars In Thousands)
Total capital (to risk-weighted assets)
Consolidated Waterstone Financial, Inc.			379,102				21.13	%			143,550				8.00	%			188,410				10.50	%			N/A				N/A
Waterstone Bank			367,517				20.49	%			143,526				8.00	%			188,377				10.50	%			179,407				10.00	%
Tier 1 capital (to risk-weighted assets)
Consolidated Waterstone Financial, Inc.			360,884				20.11	%			107,662				6.00	%			152,522				8.50	%			N/A				N/A
Waterstone Bank			349,299				19.47	%			107,644				6.00	%			152,495				8.50	%			143,525				8.00	%
Common Equity Tier 1 Capital (to risk-weighted assets)
Consolidated Waterstone Financial, Inc.			360,884				20.11	%			80,747				4.50	%			125,606				7.00	%			N/A				N/A
Waterstone Bank			349,299				19.47	%			80,733				4.50	%			125,585				7.00	%			116,614				6.50	%
Tier 1 Capital (to average assets)
Consolidated Waterstone Financial, Inc.			360,884				15.94	%			90,580				4.00	%			N/A				N/A				N/A				N/A
Waterstone Bank			349,299				15.43	%			90,550				4.00	%			N/A				N/A				113,191				5.00	%
State of Wisconsin (to total assets)
Waterstone Bank			349,299				15.46	%			135,550				6.00	%			N/A				N/A				N/A				N/A