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WATERSTONE FINANCIAL, INC.

WATERSTONE BANK

11200 W. PLANK CT.

WAUWATOSA, WI 53226

Contact: Mark R. Gerke

Chief Financial Officer

(414) 459-4012

markgerke@wsbonline.com

FOR IMMEDIATE RELEASE

Waterstone Financial Declares Regular Quarterly Cash Dividend

Wauwatosa, Wis. — 3/24/2020  On March 24, 2020, the Board of Directors of Waterstone Financial, Inc. (NASDAQ: WSBF) declared a quarterly dividend of $0.12 per common share, payable on May 1, 2020, to shareholders of record at the close of business on April 10, 2020.

About Waterstone Financial, Inc.

Waterstone Financial, Inc. is the savings and loan holding company for WaterStone Bank. WaterStone Bank was established in 1921 and offers a full suite of personal and business banking products. The Bank has branches in Wauwatosa/State St, Brookfield, Fox Point/North Shore, Franklin/Hales Corners, Germantown/Menomonee Falls, Greenfield/Loomis Rd, Oak Creek/27th St, Oak Creek/Howell Ave, Oconomowoc/Lake Country, Pewaukee, Waukesha, West Allis/Greenfield Ave, and West Allis/National Ave, Wisconsin along with a commercial lending office in Minneapolis, Minnesota. WaterStone Bank is the parent company to Waterstone Mortgage, which has the ability to lend in 48 states. For more information about WaterStone Bank, go to http://www.wsbonline.com.

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