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  <xsd:element abstract="true" id="wsbf_FinancialAsset1To59DaysPastDueMember" name="FinancialAsset1To59DaysPastDueMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_FinancingReceivableModifiedNumberOfContracts" name="FinancingReceivableModifiedNumberOfContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_FinancingReceivableTroubledDebtRestructuringSubsequentDefaultNumberOfContracts" name="FinancingReceivableTroubledDebtRestructuringSubsequentDefaultNumberOfContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_ForeclosedRealEstateExpenseIncome" name="ForeclosedRealEstateExpenseIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_FutureAmortizationExpensesForMortgageServicingRightsTableTextBlock" name="FutureAmortizationExpensesForMortgageServicingRightsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_IncreaseDecreaseInAccruedInterestOnDepositsAndBorrowings" name="IncreaseDecreaseInAccruedInterestOnDepositsAndBorrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_InterestEarningDepositsInOtherFinancialInstitutionsAndOtherShortTermInvestments" name="InterestEarningDepositsInOtherFinancialInstitutionsAndOtherShortTermInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="wsbf_InterestIncomeFederalFundsSoldAndShortTermInvestments" name="InterestIncomeFederalFundsSoldAndShortTermInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_MinimumCapitalAdequacyWithCapitalBuffer" name="MinimumCapitalAdequacyWithCapitalBuffer" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="wsbf_MortgageBankingSegmentMember" name="MortgageBankingSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_MortgageDerivativeMember" name="MortgageDerivativeMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_MortgageServicingRights" name="MortgageServicingRights" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="wsbf_MortgageServicingRightsFutureAmortizationExpensesThereafter" name="MortgageServicingRightsFutureAmortizationExpensesThereafter" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="wsbf_MortgageServicingRightsFutureAmortizationExpensesYearFive" name="MortgageServicingRightsFutureAmortizationExpensesYearFive" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="wsbf_MortgageServicingRightsFutureAmortizationExpensesYearFour" name="MortgageServicingRightsFutureAmortizationExpensesYearFour" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="wsbf_MortgageServicingRightsFutureAmortizationExpensesYearOne" name="MortgageServicingRightsFutureAmortizationExpensesYearOne" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="wsbf_MortgageServicingRightsFutureAmortizationExpensesYearThree" name="MortgageServicingRightsFutureAmortizationExpensesYearThree" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="wsbf_MortgageServicingRightsFutureAmortizationExpensesYearTwo" name="MortgageServicingRightsFutureAmortizationExpensesYearTwo" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="wsbf_MortgageServicingRightsNet" name="MortgageServicingRightsNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="wsbf_MortgagerelatedSecuritiesMember" name="MortgagerelatedSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_MultifamilyLoanMember" name="MultifamilyLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_NonAccruingMember" name="NonAccruingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_NonaccrualLoansToTotalAssetsPercentage" name="NonaccrualLoansToTotalAssetsPercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="wsbf_NonaccrualLoansToTotalLoansReceivablePercentage" name="NonaccrualLoansToTotalLoansReceivablePercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="wsbf_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_NumberOfOffices" name="NumberOfOffices" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_NumberOfStatesMortgageBankingProductsAndServicesAreProvided" name="NumberOfStatesMortgageBankingProductsAndServicesAreProvided" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_NumberOfStatesTheCompanyCanLendState" name="NumberOfStatesTheCompanyCanLendState" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_OneToFourFamilyMember" name="OneToFourFamilyMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_PaymentsForOriginationOfMortgageServicingRightsMsr" name="PaymentsForOriginationOfMortgageServicingRightsMsr" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_PullThroughRateMember" name="PullThroughRateMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_RealEstateOwnedFairValueDisclosure" name="RealEstateOwnedFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="wsbf_ScheduleOfAllowanceForCreditLossesTableTextBlock" name="ScheduleOfAllowanceForCreditLossesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_ScheduleOfCollateralDependentLoansTableTextBlock" name="ScheduleOfCollateralDependentLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_SecuritiesUnrealizedLossPositionNumberOfPositions" name="SecuritiesUnrealizedLossPositionNumberOfPositions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element id="wsbf_TierOneRiskBasedCapitalRequiredForMinimumCapitalAdequacyWithCapitalBuffer" name="TierOneRiskBasedCapitalRequiredForMinimumCapitalAdequacyWithCapitalBuffer" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="wsbf_TierOneRiskBasedCapitalRequiredForMinimumCapitalAdequacyWithCapitalBufferToRiskWeightedAssets" name="TierOneRiskBasedCapitalRequiredForMinimumCapitalAdequacyWithCapitalBufferToRiskWeightedAssets" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="wsbf_TotalBorrowingMember" name="TotalBorrowingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_UnearnedEsopSharesCost" name="UnearnedEsopSharesCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="wsbf_UnearnedEsopSharesMember" name="UnearnedEsopSharesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_UnpaidPrincipalBalanceOfLoansServicedForOthers" name="UnpaidPrincipalBalanceOfLoansServicedForOthers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="wsbf_UnusedPortionOfConstructionLoansMember" name="UnusedPortionOfConstructionLoansMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="wsbf_ValuationAllowanceForImpairmentRecoveryOfRecognizedServicingAssetsBalance" name="ValuationAllowanceForImpairmentRecoveryOfRecognizedServicingAssetsBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="wsbf_ValuationTechniquePricingModelMember" name="ValuationTechniquePricingModelMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_WatchMember" name="WatchMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-10-earnings-per-share-earnings-per-share-details" name="statement-statement-note-10-earnings-per-share-earnings-per-share-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-10-earnings-per-share-tables" name="statement-statement-note-10-earnings-per-share-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-11-fair-value-measurements-assets-recorded-at-fair-value-on-nonrecurring-basis-details" name="statement-statement-note-11-fair-value-measurements-assets-recorded-at-fair-value-on-nonrecurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-11-fair-value-measurements-carrying-amount-and-fair-values-of-financial-instruments-details" name="statement-statement-note-11-fair-value-measurements-carrying-amount-and-fair-values-of-financial-instruments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-11-fair-value-measurements-fair-value-of-assets-and-liabilities-details" name="statement-statement-note-11-fair-value-measurements-fair-value-of-assets-and-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-11-fair-value-measurements-fair-value-of-assets-measured-on-recurring-basis-unobservable-input-reconciliation-details" name="statement-statement-note-11-fair-value-measurements-fair-value-of-assets-measured-on-recurring-basis-unobservable-input-reconciliation-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-11-fair-value-measurements-reconciliation-for-all-assets-measured-at-fair-value-using-significant-unobservable-inputs-details" name="statement-statement-note-11-fair-value-measurements-reconciliation-for-all-assets-measured-at-fair-value-using-significant-unobservable-inputs-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-11-fair-value-measurements-tables" name="statement-statement-note-11-fair-value-measurements-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-12-segment-reporting-segment-information-details" name="statement-statement-note-12-segment-reporting-segment-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-12-segment-reporting-tables" name="statement-statement-note-12-segment-reporting-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-2-securities-available-for-sale-amortized-cost-and-fair-value-of-investment-securities-by-contractual-maturity-details" name="statement-statement-note-2-securities-available-for-sale-amortized-cost-and-fair-value-of-investment-securities-by-contractual-maturity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-2-securities-available-for-sale-amortized-cost-and-fair-values-of-securities-available-for-sale-details" name="statement-statement-note-2-securities-available-for-sale-amortized-cost-and-fair-values-of-securities-available-for-sale-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-2-securities-available-for-sale-gross-unrealized-losses-and-fair-value-of-securities-available-for-sale-in-continuous-unrealized-loss-position-details" name="statement-statement-note-2-securities-available-for-sale-gross-unrealized-losses-and-fair-value-of-securities-available-for-sale-in-continuous-unrealized-loss-position-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-2-securities-available-for-sale-tables" name="statement-statement-note-2-securities-available-for-sale-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-3-loans-receivable-activity-in-allowance-for-credit-losses-details" name="statement-statement-note-3-loans-receivable-activity-in-allowance-for-credit-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-3-loans-receivable-analysis-of-past-due-loans-details" name="statement-statement-note-3-loans-receivable-analysis-of-past-due-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-3-loans-receivable-collateral-dependent-loans-details" name="statement-statement-note-3-loans-receivable-collateral-dependent-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-3-loans-receivable-components-of-provision-for-credit-losses-details" name="statement-statement-note-3-loans-receivable-components-of-provision-for-credit-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-3-loans-receivable-credit-quality-indicators-details" name="statement-statement-note-3-loans-receivable-credit-quality-indicators-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-3-loans-receivable-nonaccrual-loans-details" name="statement-statement-note-3-loans-receivable-nonaccrual-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-3-loans-receivable-restructurings-of-financing-receivables-details" name="statement-statement-note-3-loans-receivable-restructurings-of-financing-receivables-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-3-loans-receivable-summary-of-loans-receivable-details" name="statement-statement-note-3-loans-receivable-summary-of-loans-receivable-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-3-loans-receivable-tables" name="statement-statement-note-3-loans-receivable-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-4-mortgage-servicing-rights-future-amortization-expenses-details" name="statement-statement-note-4-mortgage-servicing-rights-future-amortization-expenses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-4-mortgage-servicing-rights-mortgage-servicing-rights-details" name="statement-statement-note-4-mortgage-servicing-rights-mortgage-servicing-rights-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-4-mortgage-servicing-rights-tables" name="statement-statement-note-4-mortgage-servicing-rights-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-5-deposits-maturities-details" name="statement-statement-note-5-deposits-maturities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-5-deposits-tables" name="statement-statement-note-5-deposits-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-6-borrowings-borrowing-details" name="statement-statement-note-6-borrowings-borrowing-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-6-borrowings-tables" name="statement-statement-note-6-borrowings-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-7-regulatory-capital-actual-and-required-capital-amount-and-ratio-details" name="statement-statement-note-7-regulatory-capital-actual-and-required-capital-amount-and-ratio-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-7-regulatory-capital-tables" name="statement-statement-note-7-regulatory-capital-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-8-commitments-offbalance-sheet-arrangements-and-contingent-liabilities-financial-instruments-details" name="statement-statement-note-8-commitments-offbalance-sheet-arrangements-and-contingent-liabilities-financial-instruments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-8-commitments-offbalance-sheet-arrangements-and-contingent-liabilities-tables" name="statement-statement-note-8-commitments-offbalance-sheet-arrangements-and-contingent-liabilities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-9-derivative-financial-instruments-interest-rate-swaps-details" name="statement-statement-note-9-derivative-financial-instruments-interest-rate-swaps-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="wsbf_statement-statement-note-9-derivative-financial-instruments-tables" name="statement-statement-note-9-derivative-financial-instruments-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
