Waterstone Financial, Inc. 10-K

Item 2. Properties We operate from our corporate center, our 14 full-service banking offices, our drive-through office and 14 automated teller machines, located in Milwaukee, Washington and Waukesha Counties, Wisconsin. The net book value of our premises, land, equipment and leasehold improvements was $18.9 million at December 31, 2025. The following table sets forth information with respect to our corporate center and our full-service banking offices as of December 31, 2025. Corporate Center 11200 West Plank Court Wauwatosa, Wisconsin 53226 Wauwatosa 7500 West State Street Wauwatosa, Wisconsin 53213 Brookfield (1) 17495 W Capitol Dr. Brookfield, Wisconsin 53045 Franklin/Hales Corners 6555 South 108th Street Franklin, Wisconsin 53132 Germantown/Menomonee Falls W188N9820 Appleton Avenue Germantown, Wisconsin 53022 Oak Creek 6560 South 27th Street Oak Creek, Wisconsin 53154 Oconomowoc/Lake Country (1) 1233 Corporate Center Drive Oconomowoc, Wisconsin 53066 Pewaukee 1230 George Towne Drive Pewaukee, Wisconsin 53072 Waukesha/Brookfield 21505 East Moreland Blvd. Waukesha, Wisconsin 53186 West Allis/Greenfield Avenue 10101 West Greenfield Avenue West Allis, Wisconsin 53214 Fox Point/North Shore 8607 North Port Washington Road Fox Point, Wisconsin 53217 Greenfield/Loomis Road 5000 West Loomis Road Greenfield, Wisconsin 53220 West Allis/National Avenue 10296 West National Avenue West Allis, Wisconsin 53227 Oak Creek/Howell Avenue 8780 South Howell Avenue Oak Creek, Wisconsin 53154 Milwaukee/Oklahoma Avenue 6801 West Oklahoma Avenue Milwaukee, Wisconsin 53219 (1) Leased property In addition to our banking offices, as of December 31, 2025, Waterstone Mortgage Corporation had nine offices in Florida, six offices in New Mexico, five offices in Wisconsin, four offices each in Oklahoma and Texas, three offices each in Arizona and Virginia, two offices each in Idaho, Maryland, Minnesota, and Montana and one office each in California, Colorado, Iowa, Illinois, Kansas, Massachusetts, New Hampshire, New Jersey, North Carolina, Rhode Island, South Dakota, Tennessee, and Wyoming. Item 3. Legal Proceedings The information required by this item is set forth in Note 13 - Commitments, Off-Balance Sheet Arrangements, and Contingent Liabilities of the notes to consolidated financial statements. Item 4. Mine Safety Disclosures Not applicable. - 36 - Part II