26 unchanged sentences
Senior Vice President and Director of Retail Banking of WaterStone Bank
−Removed: Ryan Gordon, 38
−Removed: Chief Credit Officer of WaterStone Bank
+Added: Ryan Gordon, 39 Chief Credit Officer of WaterStone Bank 2020
Excluding directorships and excluding positions with Bank subsidiary that do not constitute a substantial part of the officers’ duties.
23 unchanged sentences
(PCAOB ID 686 )
−Removed: Report of CliftonLarsonAllen LLP, Independent Registered Public Accounting Firm, on consolidated financial statements.
−Removed: (PCAOB ID 655)
Consolidated Statements of Financial Condition – December 31, 2025 and 2024.
24 unchanged sentences
Incentive Plan †(3)
−Removed: Employment Agreement By and Between Waterstone Mortgage Corporation and Jeff McGuiness †
Insider Trader Policy
1 unchanged sentence
Consent of Independent Registered Public Accounting Firm
−Removed: Consent of Independent Registered Public Accounting Firm
Powers of Attorney
49 unchanged sentences
Bartel, Director
−Removed: Chief Financial Officer
−Removed: ( Principal Financial & Accounting Officer)
−Removed: /s/ Michael L.
−Removed: Hansen, Director
/s/ Douglas S.
+Added: Chief Financial Officer
Gordon, Director
−Removed: /s/ Kristine A.
−Removed: Rappé, Director
+Added: (Principal Financial & Accounting Officer)
+Added: Mulroy, Director
+Added: Piotrowski, Director
/s/ Stephen J.
3 unchanged sentences
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.