Note 7 - Regulatory Capital (Tables)

3 Months Ended

Mar. 31, 2023

Notes Tables

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

	March 31, 2023
	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.	$	400,308		23.27	%	$	137,620		8.00	%	$	180,600		10.50	%		N/A		N/A
Waterstone Bank		351,596		20.44	%	$	137,620		8.00	%	$	180,600		10.50	%		172,023		10.00	%
Tier I Capital (to risk-weighted assets)
Consolidated Waterstone Financial, Inc.	$	382,564		22.24	%	$	103,210		6.00	%	$	146,200		8.50	%		N/A		N/A
Waterstone Bank		333,852		19.41	%	$	103,210		6.00	%	$	146,200		8.50	%		137,618		8.00	%
Common Equity Tier 1 Capital (to risk-weighted assets)
Consolidated Waterstone Financial, Inc.	$	382,564		22.24	%	$	77,410		4.50	%	$	120,400		7.00	%		N/A		N/A
Waterstone Bank		333,852		19.41	%	$	77,410		4.50	%	$	120,400		7.00	%		111,815		6.50	%
Tier I Capital (to average assets)
Consolidated Waterstone Financial, Inc.	$	382,564		18.68	%	$	81,900		4.00	%		N/A		N/A			N/A		N/A
Waterstone Bank		333,852		16.31	%	$	81,900		4.00	%		N/A		N/A			102,376		5.00	%
State of Wisconsin (to total assets)
Waterstone Bank		333,852		15.83	%	$	126,570		6.00	%		N/A		N/A			N/A		N/A

	December 31, 2022
	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.	$	407,099		24.36	%	$	133,709		8.00	%	$	175,493		10.50	%		N/A		N/A
Waterstone Bank		359,623		21.52	%		133,690		8.00	%		175,468		10.50	%		167,112		10.00	%
Tier I capital (to risk-weighted assets)
Consolidated Waterstone Financial, Inc.		389,342		23.29	%		100,281		6.00	%		142,065		8.50	%		N/A		N/A
Waterstone Bank		341,866		20.46	%		100,267		6.00	%		142,045		8.50	%		133,690		8.00	%
Common Equity Tier 1 Capital (to risk-weighted assets)
Consolidated Waterstone Financial, Inc.		389,342		23.29	%		75,211		4.50	%		116,995		7.00	%		N/A		N/A
Waterstone Bank		341,866		20.46	%		75,200		4.50	%		116,978		7.00	%		108,623		6.50	%
Tier I Capital (to average assets)
Consolidated Waterstone Financial, Inc.		389,342		19.45	%		80,080		4.00	%		N/A		N/A			N/A		N/A
Waterstone Bank		341,866		17.08	%		80,080		4.00	%		N/A		N/A			100,100		5.00	%
State of Wisconsin (to total assets)
Waterstone Bank		341,866		16.87	%		121,624		6.00	%		N/A		N/A			N/A		N/A