Laura Ellen Piotrowski's Ownership in Waterstone Financial, Inc.

The filing reports the ownership details of Laura Ellen Piotrowski in Waterstone Financial, Inc. (WSBF). As of July 22, 2025, Piotrowski owns 8,798 shares of common stock directly. She is identified as a director of the company. The filing was signed by William F. Bruss, Attorney-in-fact, on October 2, 2025. This document is a Form 3, which is typically filed to report initial beneficial ownership of securities by directors, officers, or beneficial owners of more than 10% of a class of equity securities.