Community Reinvestment Act (CRA)
Meeting the Needs of the Community
CRA is designed to encourage banks to help rebuild and revitalize communities in underserved segments of local economies by offering expanded services, sound lending and increased investment that benefit both banks and the communities they serve.
In accordance with CRA regulations, WaterStone Bank is required to maintain and, upon request, make available for public inspection, a complete public file relating to the bank’s performance in helping to meet community credit needs.
CRA Performance Evaluation
View WaterStone Bank’s most recent CRA FDIC Performance Evaluation.
Locations, Office Addresses & Geographies
A list of all WaterStone Bank branches including street addresses, hours of operation and other information. No branches opened or closed during the current year and each of the two prior calendar years.
Census Tract – 1601.02
Census Tract – 2029.02
Census Tract – 1205.02
Census Tract – 2033.04
Census Tract – 1503.01
Census Tract – 1011.00
Census Tract – 0912.00
Census Tract – 1009.00
Census Tract – 1602.02
Census Tract – 0912.00
Limited Service -Drive Thru
Census Tract – 4701.00
Census Tract – 0352.00
Census Tract 2041.00
Census Tract – 2008.03
Census Tract – 0196.00
Lobby Hours:
Saturday: 9:00AM to 12:00PM
Drive-Up Hours:
Saturday: 8:30AM to 12:00PM
All business hours are the same at all locations.
CRA Disclosure Statements
View WaterStone Bank’s Statement Disclosures for 2021, 2022 and 2023.
2021 Disclosure Statement
2022 Disclosure Statement
2023 Disclosure Statement
Branch Services & Products
See below for a list of the services and products (branch services, deposit and lending products, and investment services) generally offered at WaterStone Bank branches.
Fee Schedules
View WaterStone Bank’s Business Banking fees, Retail Banking fees and Stepping Stone program fees.
Business Fees
Retail Fees
Stepping Stone Fees
HDMA Mortgage Disclosure Act
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s Website (www.consumerfinance.gov/hmda).
CRA Map & Census Tracts
View WaterStone Bank’s assessment area map and census tract report.
Assessment Area Map
FFIEC Census Report
Comments
WaterStone Bank has not received any public comments for the current year or the prior two calendar years. WaterStone Bank may periodically update this to include Public Comments received.
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