Molly A. Mulroy's Ownership of Waterstone Financial, Inc. Common Stock

The filing reports the ownership of Waterstone Financial, Inc. common stock by Molly A. Mulroy, who is a director of the company. As of July 22, 2025, Mulroy directly owns 8,798 shares of the company's common stock. The filing is a Form 3, which is typically used to report initial beneficial ownership of securities by directors, officers, and beneficial owners of more than 10% of a class of equity securities. The ownership is reported as direct, indicating that Mulroy has full control over the shares.