Waterstone Financial (WSBF) 10-Q 2 Nov 22 2022 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2022	Nov. 01, 2022
Document Information [Line Items]
Entity Central Index Key	0001569994
Entity Registrant Name	Waterstone Financial, Inc.
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2022
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2022
Document Transition Report	false
Entity File Number	001-36271
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	90-1026709
Entity Address, Address Line One	11200 W. Plank Court
Entity Address, City or Town	Wauwatosa
Entity Address, State or Province	WI
Entity Address, Postal Zip Code	53226
City Area Code	414
Local Phone Number	761-1000
Title of 12(b) Security	Common Stock, $0.01 Par Value
Trading Symbol	WSBF
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		22,190,271

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Assets
Cash	$ 37,231	$ 343,016
Federal funds sold	16,007	13,981
Interest-earning deposits in other financial institutions and other short term investments	19,703	19,725
Cash and cash equivalents	72,941	376,722
Securities available for sale (at fair value)	197,298	179,016
Loans held for sale (at fair value)	186,049	312,738
Loans receivable	1,354,465	1,205,785
Less: Allowance for credit losses ("ACL") - loans	17,452	15,778
Loans receivable, net	1,337,013	1,190,007
Office properties and equipment, net	21,491	22,273
Federal Home Loan Bank stock (at cost)	15,750	24,438
Cash surrender value of life insurance	66,099	65,368
Real estate owned, net	148	148
Prepaid expenses and other assets	78,262	45,148
Total assets	1,975,051	2,215,858
Liabilities:
Demand deposits	246,487	214,409
Money market and savings deposits	346,960	392,314
Time deposits	593,681	626,663
Total deposits	1,187,128	1,233,386
Borrowings	319,951	477,127
Advance payments by borrowers for taxes	24,084	4,094
Other liabilities	67,714	68,478
Total liabilities	1,598,877	1,783,085
Commitments and contingencies (Note 9)
Shareholders’ equity:
Preferred stock (par value $.01 per share) Authorized - 50,000,000 shares at September 30, 2022 and at December 31, 2021, no shares issued	0	0
Common stock (par value $.01 per share) Authorized - 100,000,000 shares at September 30, 2022 and at December 31, 2021, Issued and Outstanding - 22,318,471 at September 30, 2022 and 24,795,124 at December 31, 2021	223	248
Additional paid-in capital	130,731	174,505
Retained earnings	277,514	273,398
Unearned ESOP shares	(13,353)	(14,243)
Accumulated other comprehensive loss, net of taxes	(18,941)	(1,135)
Total shareholders’ equity	376,174	432,773
Total liabilities and shareholders’ equity	$ 1,975,051	$ 2,215,858

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Current Period Unaudited) (Parentheticals) - $ / shares	Sep. 30, 2022	Dec. 31, 2021
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	50,000,000	50,000,000
Preferred stock, shares issued (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	22,318,471	24,795,124
Common stock, shares outstanding (in shares)	22,318,471	24,795,124

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest income:
Loans	$ 16,235	$ 16,131	$ 44,281	$ 49,214
Mortgage-related securities	903	471	2,326	1,448
Debt securities, federal funds sold and short-term investments	987	904	2,964	2,637
Total interest income	18,125	17,506	49,571	53,299
Interest expense:
Deposits	981	947	2,511	3,542
Borrowings	1,746	2,445	5,717	7,414
Total interest expense	2,727	3,392	8,228	10,956
Net interest income	15,398	14,114	41,343	42,343
Provision (credit) for credit losses	332	(700)	304	(2,520)
Net interest income after provision (credit) for credit losses	15,066	14,814	41,039	44,863
Service charges on loans and deposits	529	1,136	1,705	2,483
Increase in cash surrender value of life insurance	354	312	1,394	1,297
Mortgage banking income	26,064	46,547	83,749	150,587
Other	457	4,941	1,612	6,812
Total noninterest income	27,404	52,936	88,460	161,179
Noninterest expenses:
Compensation, payroll taxes, and other employee benefits	26,174	34,229	77,502	102,278
Occupancy, office furniture, and equipment	2,296	2,488	6,540	7,346
Advertising	1,137	835	3,004	2,570
Data processing	1,084	986	3,430	2,871
Communications	302	331	900	988
Professional fees	393	550	1,203	804
Real estate owned	1	1	6	(11)
Loan processing expense	1,120	1,135	3,685	3,670
Other	3,187	2,768	9,408	9,104
Total noninterest expenses	35,694	43,323	105,678	129,620
Income before income taxes	6,776	24,427	23,821	76,422
Income tax expense	1,506	5,427	5,269	18,184
Net income	$ 5,270	$ 19,000	$ 18,552	$ 58,238
Income per share:
Basic (in dollars per share)	$ 0.25	$ 0.80	$ 0.84	$ 2.45
Diluted (in dollars per share)	$ 0.25	$ 0.79	$ 0.83	$ 2.43
Weighted average shares outstanding:
Basic (in shares)	21,342	23,785	22,193	23,790
Diluted (in shares)	21,454	23,960	22,323	23,987

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Net income	$ 5,270	$ 19,000	$ 18,552	$ 58,238
Other comprehensive loss, net of tax:
Net unrealized holding loss arising during the period, net of tax benefit of $1,779, $262, $6,667 and $783, respectively	(4,753)	(696)	(17,806)	(2,093)
Total other comprehensive loss	(4,753)	(696)	(17,806)	(2,093)
Comprehensive income	$ 517	$ 18,304	$ 746	$ 56,145

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Net unrealized holding (loss) gains arising during the period, tax	$ 1,779	$ 262	$ 6,667	$ 783

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) shares in Thousands, $ in Thousands	Cumulative Effect, Period of Adoption, Adjustment [Member] Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Additional Paid-in Capital [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Unearned ESOP Shares [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] AOCI Attributable to Parent [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Unearned ESOP Shares [Member]	AOCI Attributable to Parent [Member]	Total
Balances (in shares) at Dec. 31, 2020							25,088
Balances at Dec. 31, 2020							$ 251	$ 180,684	$ 245,287	$ (15,430)	$ 2,326	$ 413,118
Net income							0	0	58,238	0	0	58,238
Other comprehensive loss							0	0	0	0	(2,093)	(2,093)
Total comprehensive income (loss)												56,145
ESOP shares committed to be released to plan participants							0	682	0	890	0	1,572
Cash dividend							$ 0	0	(26,209)	0	0	(26,209)
Proceeds from stock option exercises (in shares)							187
Proceeds from stock option exercises							$ 2	2,041	0	0	0	2,043
Stock compensation expense							$ 0	564	0	0	0	564
Purchase of common stock returned to authorized but unissued (in shares)							(237)
Purchase of common stock returned to authorized but unissued							$ (3)	(4,659)	0	0	0	(4,662)
Balances (in shares) at Sep. 30, 2021							25,038
Balances at Sep. 30, 2021							$ 250	179,312	277,316	(14,540)	233	442,571
Balances (in shares) at Jun. 30, 2021							25,213
Balances at Jun. 30, 2021							$ 252	182,346	263,048	(14,837)	929	431,738
Net income							0	0	19,000	0	0	19,000
Other comprehensive loss							0	0	0	0	(696)	(696)
Total comprehensive income (loss)												18,304
ESOP shares committed to be released to plan participants							0	227	0	297	0	524
Cash dividend							0	0	(4,732)	0	0	(4,732)
Stock compensation expense							$ 0	194	0	0	0	194
Purchase of common stock returned to authorized but unissued (in shares)							(178)
Purchase of common stock returned to authorized but unissued							$ (2)	(3,504)	0	0	0	(3,506)
Stock compensation activity, net of tax (in shares)							3
Stock compensation activity, net of tax							$ 0	49	0	0	0	49
Balances (in shares) at Sep. 30, 2021							25,038
Balances at Sep. 30, 2021							$ 250	179,312	277,316	(14,540)	233	442,571
Balances (in shares) at Dec. 31, 2021							24,795
Balances at Dec. 31, 2021	$ 0	$ 0	$ (1,392)	$ 0	$ 0	$ (1,392)	$ 248	174,505	273,398	(14,243)	(1,135)	432,773
Net income							0	0	18,552	0	0	18,552
Other comprehensive loss							0	0	0	0	(17,806)	(17,806)
Total comprehensive income (loss)												746
ESOP shares committed to be released to plan participants							0	557	0	890	0	1,447
Cash dividend							$ 0	0	(13,044)	0	0	(13,044)
Proceeds from stock option exercises (in shares)							47
Proceeds from stock option exercises							$ 0	372	0	0	0	372
Stock compensation expense							$ 0	468	0	0	0	468
Purchase of common stock returned to authorized but unissued (in shares)							(2,524)
Purchase of common stock returned to authorized but unissued							$ (25)	(45,171)	0	0	0	(45,196)
Balances (in shares) at Sep. 30, 2022							22,318
Balances at Sep. 30, 2022							$ 223	130,731	277,514	(13,353)	(18,941)	376,174
Balances (in shares) at Jun. 30, 2022							22,734
Balances at Jun. 30, 2022							$ 227	137,547	276,444	(13,650)	(14,188)	386,380
Net income							0	0	5,270	0	0	5,270
Other comprehensive loss							0	0	0	0	(4,753)	(4,753)
Total comprehensive income (loss)												517
ESOP shares committed to be released to plan participants							0	166	0	297	0	463
Cash dividend							0	0	(4,200)	0	0	(4,200)
Stock compensation expense							$ 0	138	0	0	0	138
Purchase of common stock returned to authorized but unissued (in shares)							(425)
Purchase of common stock returned to authorized but unissued							$ (4)	(7,246)	0	0	0	(7,250)
Stock compensation activity, net of tax (in shares)							9
Stock compensation activity, net of tax							$ 0	126	0	0	0	126
Balances (in shares) at Sep. 30, 2022							22,318
Balances at Sep. 30, 2022							$ 223	$ 130,731	$ 277,514	$ (13,353)	$ (18,941)	$ 376,174

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Cash dividend, price per share (in dollars per share)	$ 0.20	$ 0.20	$ 0.60	$ 1.10

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Operating activities:
Net income	$ 18,552	$ 58,238
Adjustments to reconcile net income to net cash provided by operating activities:
Provision (credit) for credit losses	304	(2,520)
Depreciation, amortization, accretion	3,094	4,924
Deferred taxes	(361)	345
Stock based compensation	468	564
Origination of mortgage servicing rights	(2,030)	(5,301)
Proceeds on sales of mortgage servicing rights	0	12,448
Gain on sale of loans held for sale	(65,670)	(153,612)
Loans originated for sale	(2,117,010)	(3,212,967)
Proceeds on sales of loans originated for sale	2,309,369	3,442,624
Gain on death benefit on bank owned life insurance	(340)	0
(Increase) decrease in accrued interest receivable	(907)	715
Increase in cash surrender value of life insurance	(1,394)	(1,297)
(Increase) decrease in derivative assets	(24,248)	4,251
Decrease in accrued interest on deposits and borrowings	(118)	(200)
Decrease (increase) in prepaid tax expense	1,090	(959)
Legal settlement	0	(4,250)
Increase (decrease) in derivative liabilities	25,699	(5,140)
Net gain related to real estate owned	0	(12)
Gain on sale of mortgage servicing rights	0	(4,032)
Change in other assets and other liabilities, net	(11,301)	(10,147)
Net cash provided by operating activities	135,197	123,672
Investing activities:
Net (increase) decrease in loans receivable	(148,136)	148,790
Debt securities	(2,080)	0
Mortgage related securities	(77,388)	(55,256)
Bank Owned Life Insurance	(180)	(180)
Premises and equipment	(641)	(656)
Principal repayments on mortgage-related securities	27,925	30,755
Maturities of debt securities	14,860	6,375
Sales of FHLB stock	8,688	2,282
Sales of real estate owned	0	183
Death benefit	1,183	0
Net cash (used in) provided by investing activities	(175,769)	132,293
Financing activities:
Net (decrease) increase in deposits	(46,258)	61,694
Net change in short-term borrowings	62,824	(33,074)
Repayment of long-term debt	(270,000)	0
Proceeds from long-term debt	50,000	0
Net change in advance payments by borrowers for taxes	11,097	8,157
Cash dividends on common stock	(26,048)	(26,276)
Purchase of common stock returned to authorized but unissued	(45,196)	(4,662)
Proceeds from stock option exercises	372	2,043
Net cash used in financing activities	(263,209)	7,882
(Decrease) increase in cash and cash equivalents	(303,781)	263,847
Cash and cash equivalents at beginning of period	376,722	94,767
Cash and cash equivalents at end of period	72,941	358,614
Supplemental information:
Income tax payments	4,286	18,796
Interest payments	8,110	10,756
Noncash activities:
Dividends declared but not paid in other liabilities	$ 4,520	$ 5,165

Note 1 - Basis of Presentation

Note 1 - Basis of Presentation	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Basis of Accounting [Text Block]	1 Basis of Presentation The unaudited interim consolidated financial statements include the accounts of Waterstone Financial, Inc. (the “Company”) and the Company’s subsidiaries. WaterStone Bank SSB (the "Bank") is a community bank that has served the banking needs of its customers since 1921. WaterStone Bank conducts its community banking business from 14 banking offices located in Milwaukee, Washington and Waukesha Counties, Wisconsin. WaterStone Bank's principal lending activity is originating one four WaterStone Bank's mortgage banking operations are conducted through its wholly-owned subsidiary, Waterstone Mortgage Corporation. Waterstone Mortgage Corporation originates single-family residential real estate loans for sale into the secondary market. Waterstone Mortgage Corporation utilizes lines of credit provided by WaterStone Bank as a primary source of funds, and also utilizes a line of credit with another financial institution as needed. The accompanying unaudited consolidated financial statements have been prepared in accordance with generally accepted accounting principles (“GAAP”) for interim financial information, Rule 10 01 X 10 not The accompanying unaudited consolidated financial statements and related notes should be read in conjunction with the Company’s December 31, 2021 10 three nine September 30, 2022 not may December 31, 2022 The preparation of the unaudited consolidated financial statements requires management of the Company to make a number of estimates and assumptions relating to the reported amount of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the period. Significant items subject to such estimates and assumptions include the allowance for loan losses, income taxes, and fair value measurements. Actual results could differ from those estimates. Subsequent Events The Company has evaluated subsequent events for potential recognition and/or disclosure through the date the unaudited consolidated financial statements included in this Quarterly Report on Form 10 no three nine September 30, 2022 Impact of Recent Accounting Pronouncements ASC Topic 326 326, On March 27, 2020, 326 December 31, 2021 19, 326 326. December 27, 2020, 2021 326 first 19 January 1, 2022. ASC Topic 326 326, December 15, 2022, Accounting Standards Adopted in 2022 The Company adopted ASC Topic 326 January 1, 2022, January 1, 2022 ( January 1, 2022. The Company did not January 1, 2022 2 3

Note 2 - Securities Available f

Note 2 - Securities Available for Sale	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 2 Securities Available for Sale The amortized cost and fair values of the Company’s investment in securities available for sale follow: September 30, 2022 Gross Gross Amortized unrealized unrealized cost gains losses Fair value (In Thousands) Mortgage-backed securities $ 15,735 $ 3 $ (1,821 ) $ 13,917 Collateralized mortgage obligations: Government sponsored enterprise issued 147,192 - (19,144 ) 128,048 Private-label issued 9,299 - (867 ) 8,432 Mortgage-related securities 172,226 3 (21,832 ) 150,397 Government sponsored enterprise bonds 2,500 - (258 ) 2,242 Municipal securities 35,358 95 (1,995 ) 33,458 Other debt securities 12,500 - (1,354 ) 11,146 Debt securities 50,358 95 (3,607 ) 46,846 Other securities 55 - - 55 Total $ 222,639 $ 98 $ (25,439 ) $ 197,298 December 31, 2021 Gross Gross Amortized unrealized unrealized cost gains losses Fair value (In Thousands) Mortgage-backed securities $ 19,133 $ 542 $ (187 ) $ 19,488 Collateralized mortgage obligations Government sponsored enterprise issued 100,543 503 (1,744 ) 99,302 Private-label issued 2,913 30 - 2,943 Mortgage related securities 122,589 1,075 (1,931 ) 121,733 Government sponsored enterprise bonds 2,500 - (52 ) 2,448 Municipal securities 42,295 1,206 (7 ) 43,494 Other debt securities 12,500 41 (1,200 ) 11,341 Debt securities 57,295 1,247 (1,259 ) 57,283 Total $ 179,884 $ 2,322 $ (3,190 ) $ 179,016 The Company’s mortgage-backed securities and collateralized mortgage obligations issued by government sponsored enterprises are guaranteed by Fannie Mae, Freddie Mac or Ginnie Mae. At September 30, 2022 December 31, 2021 The amortized cost and fair values of investment securities by contractual maturity at September 30, 2022 may may Amortized Fair Cost Value (In Thousands) Debt and other securities Due within one year $ 5,310 $ 5,288 Due after one year through five years 19,301 18,934 Due after five years through ten years 18,622 16,971 Due after ten years 7,125 5,653 Mortgage-related securities 172,226 150,397 Other securities 55 55 Total $ 222,639 $ 197,298 Gross unrealized losses on securities available for sale and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position were as follows: September 30, 2022 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized value loss value loss value loss (In Thousands) Mortgage-backed securities $ 8,903 $ (672 ) $ 4,634 $ (1,149 ) $ 13,537 $ (1,821 ) Collateralized mortgage obligations: Government sponsored enterprise issued 81,831 (8,188 ) 46,217 (10,956 ) 128,048 (19,144 ) Private-label issued 7,288 (867 ) - - 7,288 (867 ) Government sponsored enterprise bonds 2,242 (258 ) - - 2,242 (258 ) Municipal securities 25,578 (1,783 ) 503 (212 ) 26,081 (1,995 ) Other debt securities 2,346 (154 ) 8,800 (1,200 ) 11,146 (1,354 ) Total $ 128,188 $ (11,922 ) $ 60,154 $ (13,517 ) $ 188,342 $ (25,439 ) December 31, 2021 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized value loss value loss value loss (In Thousands) Mortgage-backed securities $ 4,042 $ (101 ) $ 1,956 $ (86 ) $ 5,998 $ (187 ) Collateralized mortgage obligations: Government sponsored enterprise issued 66,254 (1,589 ) 4,371 (155 ) 70,625 (1,744 ) Government sponsored enterprise bonds 2,448 (52 ) - - 2,448 (52 ) Municipal securities 1,471 (7 ) - - 1,471 (7 ) Other debt securities - - 8,800 (1,200 ) 8,800 (1,200 ) Total $ 74,215 $ (1,749 ) $ 15,127 $ (1,441 ) $ 89,342 $ (3,190 ) The Company reviews the investment securities portfolio on a quarterly basis to monitor securities in unrealized loss positions, which were comprised of 202 individual securities, to determine whether the impairment is due to credit-related factors or noncredit-related factors. In making this evaluation, management considers the extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of the Company to hold the security for a period of time sufficient to allow for any anticipated recovery in fair value. As of September 30, 2022 December 31, 2021 not not not not not During the three nine September 30, 2022 September 30, 2021

Note 3 - Loans Receivable

Note 3 - Loans Receivable	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	Note 3 Loans receivable at September 30, 2022 December 31, 2021 September 30, 2022 December 31, 2021 (In Thousands) Mortgage loans: Residential real estate: One- to four-family $ 361,943 $ 300,523 Multi-family 621,560 537,956 Home equity 11,020 11,012 Construction and land 61,125 82,588 Commercial real estate 278,864 250,676 Consumer 757 732 Commercial loans 19,196 22,298 Total $ 1,354,465 $ 1,205,785 The Company provides several types of loans to its customers, including residential, construction, commercial and consumer loans. Significant loan concentrations are considered to exist for a financial institution when there are amounts loaned to one no Qualifying loans receivable totaling $893.6 million and $886.7 million at September 30, 2022 December 31, 2021 September 30, 2022 December 31, 2021 Certain of the Company's executive officers, directors, employees, and their related interests have loans with the Bank. Loans outstanding to such parties were approximately $2.6 million as of September 30, 2022 December 31, 2021 September 30, 2022 December 31, 2021 An analysis of past due loans receivable as of September 30, 2022 December 31, 2021 As of September 30, 2022 1-59 Days Past Due (1) 60-89 Days Past Due (2) 90 Days or Greater Total Past Due Current (3) Total Loans (In Thousands) Mortgage loans: Residential real estate: One- to four-family $ 2,035 $ 245 $ 3,573 $ 5,853 $ 356,090 $ 361,943 Multi-family - - - - 621,560 621,560 Home equity 180 18 23 221 10,799 11,020 Construction and land - - - - 61,125 61,125 Commercial real estate - 96 - 96 278,768 278,864 Consumer - - - - 757 757 Commercial loans 357 - - 357 18,839 19,196 Total $ 2,572 $ 359 $ 3,596 $ 6,527 $ 1,347,938 $ 1,354,465 As of December 31, 2021 1-59 Days Past Due (1) 60-89 Days Past Due (2) 90 Days or Greater Total Past Due Current (3) Total Loans (In Thousands) Mortgage loans: Residential real estate: One- to four-family $ 622 $ 2,028 $ 4,214 $ 6,864 $ 293,659 $ 300,523 Multi-family - - 128 128 537,828 537,956 Home equity 14 23 26 63 10,949 11,012 Construction and land - - - - 82,588 82,588 Commercial real estate - - - - 250,676 250,676 Consumer - - - - 732 732 Commercial loans 7 - - 7 22,291 22,298 Total $ 643 $ 2,051 $ 4,368 $ 7,062 $ 1,198,723 $ 1,205,785 ( 1 September 30, 2022 December 31, 2021 ( 2 September 30, 2022 December 31, 2021 ( 3 September 30, 2022 December 31, 2021 The following tables present the activity in the allowance for credit losses by portfolio segment for the three nine September 30, 2022 three nine September 30, 2021 One- to Four-Family Multi-Family Home Equity Land and Construction Commercial Real Estate Consumer Commercial Total (In Thousands) Nine months ended September 30, 2022 Balance at beginning of period $ 3,963 $ 5,398 $ 89 $ 1,386 $ 4,482 $ 33 $ 427 $ 15,778 Adoption of CECL 88 100 58 886 (640 ) 7 (69 ) 430 Provision (credit) for credit losses - loans 644 1,338 29 (763 ) (417 ) 19 (150 ) 700 Charge-offs (254 ) - - - - (12 ) - (266 ) Recoveries 55 727 14 2 12 - - 810 Balance at end of period $ 4,496 $ 7,563 $ 190 $ 1,511 $ 3,437 $ 47 $ 208 $ 17,452 Nine months ended September 30, 2021 Balance at beginning of period $ 5,459 $ 5,600 $ 194 $ 1,755 $ 5,138 $ 35 $ 642 $ 18,823 Provision (credit) for loan losses (1,952 ) 700 (105 ) (511 ) (446 ) 9 (215 ) (2,520 ) Charge-offs (105 ) - - (13 ) (10 ) (10 ) - (138 ) Recoveries 522 36 12 52 3 - - 625 Balance at end of period $ 3,924 $ 6,336 $ 101 $ 1,283 $ 4,685 $ 34 $ 427 $ 16,790 One to-Four- Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) Three months ended September 30, 2022 Balance at beginning of period $ 4,629 $ 7,391 $ 163 $ 1,690 $ 3,160 $ 42 $ 196 $ 17,271 Provision (credit) for credit losses - loans 44 171 23 (179 ) 277 12 12 360 Charge-offs (189 ) - - - - (7 ) - (196 ) Recoveries 12 1 4 - - - - 17 Balance at end of period $ 4,496 $ 7,563 $ 190 $ 1,511 $ 3,437 $ 47 $ 208 $ 17,452 Three months ended September 30, 2021 Balance at beginning of period $ 4,025 $ 6,028 $ 156 $ 1,319 $ 5,184 $ 34 $ 664 $ 17,410 Provision for loan losses (207 ) 307 (59 ) (24 ) (490 ) 10 (237 ) (700 ) Charge-offs (66 ) - - (13 ) (10 ) (10 ) - (99 ) Recoveries 172 1 4 1 1 - - 179 Balance at end of period $ 3,924 $ 6,336 $ 101 $ 1,283 $ 4,685 $ 34 $ 427 $ 16,790 The Company utilized the Vintage Loss Rate method in determining expected future credit losses. This technique considers losses over the full life cycle of loan pools. A vintage is a group of loans originated in the same annual time period. The loss rate method measures the amount of loan charge–offs, net of recoveries, (“loan losses”) recognized over the life of a pool by loan segment and vintage and compares those loan losses to the original loan balance of that pool as of a similar vintage. To estimate a CECL loss rate for the pool, management first The Company’s expected loss estimate is anchored in historical credit loss experience, with an emphasis on all available portfolio data. The Company's historical look–back period includes January 2012 not may Additionally, the weighted average remaining maturity ("WARM") method is used for the Construction and Consumer loan pools. The WARM method considers an estimate of expected credit losses over the remaining life of the financial assets and uses average annual charge-off rates to estimate the allowance for credit losses. For amortizing assets, the remaining contractual life is adjusted by the expected scheduled payments and prepayments. The average annual charge-off rate is applied to the amortization-adjusted remaining life to determine the unadjusted lifetime historical charge-off rate. Qualitative reserves reflect management’s overall estimate of the extent to which current expected credit losses on collectively evaluated loans will differ from historical loss experience. The analysis takes into consideration other analytics performed within the organization, such as enterprise and concentration management, along with other credit–related analytics as deemed appropriate. Management attempts to quantify qualitative reserves whenever possible. The CECL methodology applied focuses on evaluation of qualitative and environmental factors, including but not x The Company’s CECL estimate applies a forecast that incorporates macroeconomic trends and other environmental factors. Management utilized national, regional and local leading economic indexes, as well as management judgment, as the basis for the forecast period. The historical loss rate was utilized as the base rate, and qualitative adjustments were utilized to reflect the forecast and other relevant factors. The Company segments the loan portfolio into pools based on the following risk characteristics: collateral type, credit characteristics, loan origination balance, and outstanding loan balances. Allowance for Credit Losses-Unfunded Commitments : In addition to the ACL-Loans, the Company has established an ACL-Unfunded commitments, classified in other liabilities on the consolidated statements of financial condition. This reserve is maintained at a level that management believes is sufficient to absorb losses arising from unfunded loan commitments, and is determined quarterly based on methodology similar to the methodology for determining the ACL-Loans. The allowance for unfunded commitments at September 30, 2022 Provision for Credit Losses : The provision for credit losses is determined by the Company as the amount to be added to the ACL loss accounts for various types of financial instruments including loans, investment securities, and off-balance sheet credit exposures after net charge-offs have been deducted to bring the ACL to a level that, in management's judgment, is necessary to absorb expected credit losses over the lives of the respective financial instruments. See Note 2 Three months ended Nine months ended September 30, 2022 September 30, 2021 September 30, 2022 September 30, 2021 (In Thousands) Provision for credit losses on: Loans $ 360 $ (700 ) $ 700 $ (2,520 ) Unfunded commitments (28 ) - (396 ) - Investment securities - - - - Total $ 332 $ (700 ) $ 304 $ (2,520 ) Collateral Dependent Loans : A loan is considered to be collateral dependent when, based upon management's assessment, the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. For collateral dependent loans, expected credit losses are based on the estimated fair value of the collateral at the balance sheet date, with consideration for estimated selling costs if satisfaction of the loan depends on the sale of the collateral. The following tables present collateral dependent loans by portfolio segment and collateral type, including those loans with and without a related allowance allocation. The following tables present collateral dependent loans by portfolio segment and collateral type as of September 30, 2022 One- to Four- Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) Allowance related to collateral dependent loans $ - $ - $ - $ - $ - $ - $ - $ - Allowance related to pooled loans 4,496 7,563 190 1,511 3,437 47 208 17,452 Allowance at end of period $ 4,496 $ 7,563 $ 190 $ 1,511 $ 3,437 $ 47 $ 208 $ 17,452 Collateral dependent loans $ 3,297 $ - $ 23 $ - $ 5,493 $ - $ - $ 8,813 Pooled loans 358,646 621,560 10,997 61,125 273,371 757 19,196 1,345,652 Total gross loans $ 361,943 $ 621,560 $ 11,020 $ 61,125 $ 278,864 $ 757 $ 19,196 $ 1,354,465 The Company's procedures dictate that an updated valuation must be obtained with respect to underlying collateral at the time a loan is deemed impaired. Updated valuations may Estimated fair values are reduced to account for sales commissions, broker fees, unpaid property taxes and additional selling expenses to arrive at an estimated net realizable value. The adjustment factor is based upon the Company's actual experience with respect to sales of real estate owned over the prior two one With respect to multi-family income-producing real estate, appraisals are reviewed and estimated collateral values are adjusted by updating significant appraisal assumptions to reflect current real estate market conditions. Significant assumptions reviewed and updated include the capitalization rate, rental income and operating expenses. These adjusted assumptions are based upon recent appraisals received on similar properties as well as on actual experience related to real estate owned and currently under Company management. A summary of the allowance for loan loss for loans evaluated individually and collectively for impairment by collateral class as of December 31, 2021 One- to Four- Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) Allowance related to loans individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - Allowance related to loans collectively evaluated for impairment 3,963 5,398 89 1,386 4,482 33 427 15,778 Balance at end of period $ 3,963 $ 5,398 $ 89 $ 1,386 $ 4,482 $ 33 $ 427 $ 15,778 Loans individually evaluated for impairment $ 5,420 $ 128 $ 26 $ - $ 1,222 $ - $ 1,097 $ 7,893 Loans collectively evaluated for impairment 295,103 537,828 10,986 82,588 249,454 732 21,201 1,197,892 Total gross loans $ 300,523 $ 537,956 $ 11,012 $ 82,588 $ 250,676 $ 732 $ 22,298 $ 1,205,785 Credit Quality Indicators The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company establishes a risk rating at origination for all commercial loan and commercial real estate relationships. For relationships over $1 million, management monitors the loans on an ongoing basis for any changes in the borrower’s ability to service their debt. Management also affirms the risk ratings for the loans in their respective portfolios on an annual basis. The Company uses the following definitions for risk ratings: Watch. may not not Substandard. not Loans not The following table presents information relating to the Company’s internal risk ratings of its loans receivable as of September 30, 2022 December 31, 2021 One to Four-Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) At September 30, 2022 Substandard $ 5,018 $ - $ 57 $ - $ 5,493 $ - $ - $ 10,568 Watch 5,056 193 121 2,248 5,128 - 3,918 16,664 Pass 351,869 621,367 10,842 58,877 268,243 757 15,278 1,327,233 $ 361,943 $ 621,560 $ 11,020 $ 61,125 $ 278,864 $ 757 $ 19,196 $ 1,354,465 At December 31, 2021 Substandard $ 5,420 $ 128 $ 26 $ - $ 6,827 $ - $ 1,097 $ 13,498 Watch 7,937 - 37 4,212 5,870 - 3,194 21,250 Pass 287,166 537,828 10,949 78,376 237,979 732 18,007 1,171,037 $ 300,523 $ 537,956 $ 11,012 $ 82,588 $ 250,676 $ 732 $ 22,298 $ 1,205,785 The following tables present data on impaired loans at December 31, 2021 As of December 31, 2021 Recorded Unpaid Cumulative Investment Principal Reserve Charge-Offs (In Thousands) Total Impaired with Reserve One- to four-family $ - $ - $ - $ - Multi-family - - - - Home equity - - - - Construction and land - - - - Commercial real estate - - - - Consumer - - - - Commercial - - - - - - - - Total Impaired with no Reserve One- to four-family 5,420 5,450 - 30 Multi-family 128 128 - - Home equity 26 26 - - Construction and land - - - - Commercial real estate 1,222 1,222 - - Consumer - - - - Commercial 1,097 1,097 - - 7,893 7,923 - 30 Total Impaired One- to four-family 5,420 5,450 - 30 Multi-family 128 128 - - Home equity 26 26 - - Construction and land - - - - Commercial real estate 1,222 1,222 - - Consumer - - - - Commercial 1,097 1,097 - - $ 7,893 $ 7,923 $ - $ 30 The difference between a loan’s recorded investment and the unpaid principal balance represents a partial charge-off resulting from a confirmed loss when the value of the collateral securing the loan is below the loan balance and management’s assessment that the full collection of the loan balance is not The following tables present data on impaired loans for the nine September 30, 2021 2021 Average Recorded Interest Investment Paid (In Thousands) Total Impaired with Reserve One- to four-family $ - $ - Multi-family - - Home equity - - Construction and land - - Commercial real estate - - Consumer - - Commercial - - - - Total Impaired with no Reserve One- to four-family 5,109 105 Multi-family 315 1 Home equity 79 2 Construction and land 43 - Commercial real estate 1,251 28 Consumer - - Commercial 1,097 25 7,894 161 Total Impaired One- to four-family 5,109 105 Multi-family 315 1 Home equity 79 2 Construction and land 43 - Commercial real estate 1,251 28 Consumer - - Commercial 1,097 25 $ 7,894 $ 161 Credit Quality Information: The following tables present total loans by risk categories and year of origination as of September 30, 2022 2022 2021 2020 2019 2018 Prior Revolving Total (In Thousands) One- to four-family Pass $ 124,694 $ 40,914 $ 47,329 $ 26,812 $ 25,062 $ 85,574 $ 1,484 $ 351,869 Watch 4,172 - - - - 884 - 5,056 Substandard 759 1,428 - 529 - 2,302 - 5,018 Total 129,625 42,342 47,329 27,341 25,062 88,760 1,484 361,943 Multi-family Pass 189,817 146,650 141,230 45,809 22,850 74,214 797 621,367 Watch - - - - - 193 - 193 Substandard - - - - - - - - Total 189,817 146,650 141,230 45,809 22,850 74,407 797 621,560 Home equity Pass 254 82 848 122 176 170 9,190 10,842 Watch - 121 - - - - - 121 Substandard 57 - - - - - - 57 Total 311 203 848 122 176 170 9,190 11,020 Construction and land Pass 3,174 47,877 2,350 5,249 124 103 - 58,877 Watch - - - 2,248 - - - 2,248 Substandard - - - - - - - - Total 3,174 47,877 2,350 7,497 124 103 - 61,125 Commercial Real Estate Pass 75,939 54,920 50,697 37,469 22,075 26,484 659 268,243 Watch 1,498 - 96 2,252 1,282 - - 5,128 Substandard - - - - 5,493 - - 5,493 Total 77,437 54,920 50,793 39,721 28,850 26,484 659 278,864 Consumer Pass 38 - - - - - 719 757 Watch - - - - - - - - Substandard - - - - - - - - Total 38 - - - - - 719 757 Commercial Pass 2,176 1,357 1,332 281 965 5,745 3,422 15,278 Watch 1,840 - 1,979 - - 99 - 3,918 Substandard - - - - - - - - Total 4,016 1,357 3,311 281 965 5,844 3,422 19,196 Total Loans $ 404,418 $ 293,349 $ 245,861 $ 120,771 $ 78,027 $ 195,768 $ 16,271 $ 1,354,465 The following presents data on troubled debt restructurings: As of September 30, 2022 Accruing Non-accruing Total Amount Number Amount Number Amount Number (Dollars in Thousands) One- to four-family $ - - $ 1,623 5 $ 1,623 5 $ - - $ 1,623 5 $ 1,623 5 As of December 31, 2021 Accruing Non-accruing Total Amount Number Amount Number Amount Number (Dollars in Thousands) One- to four-family $ - - $ 1,670 5 $ 1,670 5 Commercial real estate 1,222 1 - - 1,222 1 Commercial 1,097 1 - - 1,097 1 $ 2,319 2 $ 1,670 5 $ 3,989 7 After a troubled debt restructuring reverts to market terms, a minimum of six consecutive contractual payments must be received prior to consideration for a return to accrual status. If an updated credit department review indicates no The following presents troubled debt restructurings by concession type: As of September 30, 2022 Performing in accordance with modified terms In Default Total Amount Number Amount Number Amount Number (Dollars in Thousands) Interest reduction and principal forbearance $ 64 1 $ 341 1 $ 405 2 Interest reduction 20 1 - - 20 1 Principal forbearance 1,198 2 - - 1,198 2 $ 1,282 4 $ 341 1 $ 1,623 5 As of December 31, 2021 Performing in accordance with modified terms In Default Total Amount Number Amount Number Amount Number (Dollars in Thousands) Interest reduction and principal forbearance $ 388 2 $ - - $ 388 2 Interest reduction 24 1 - - 24 1 Principal forbearance 3,577 4 - - 3,577 4 $ 3,989 7 $ - - $ 3,989 7 There were two one four nine September 30, 2022 one four nine September 30, 2021 three September 30, 2022 three September 30, 2021 There were no troubled debt restructuring within the past twelve three nine September 30, 2022 September 30, 2021 The following table presents data on non-accrual loans as of September 30, 2022 December 31, 2021 September 30, 2022 December 31, 2021 (Dollars in Thousands) Non-accrual loans: Residential One- to four-family $ 5,018 $ 5,420 Multi-family - 128 Home equity 57 26 Construction and land - - Commercial real estate - - Commercial - - Consumer - - Total non-accrual loans $ 5,075 $ 5,574 Total non-accrual loans to total loans receivable 0.37 % 0.46 % Total non-accrual loans to total assets 0.26 % 0.25 % Residential one four September 30, 2022 December 31, 2021

Note 4 - Mortgage Servicing Rig

Note 4 - Mortgage Servicing Rights	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Transfers and Servicing of Financial Assets [Text Block]	Note 4 Mortgage Servicing Rights The following table presents the activity in the Company’s mortgage servicing rights: Nine months ended September 30, 2022 2021 (In Thousands) Mortgage servicing rights at beginning of the period $ 1,555 $ 5,977 Additions 2,030 5,301 Amortization (437 ) (1,701 ) Sales - (8,416 ) Mortgage servicing rights at end of the period 3,148 1,161 Valuation allowance recovered during the period 7 - Mortgage servicing rights at end of the period, net $ 3,155 $ 1,161 During the nine September 30, 2022 September 30, 2022 December 31, 2021 not The fair value of mortgage servicing rights were $4.7 million at September 30, 2022 December 31, 2021 During the three nine September 30, 2022 not three nine September 30, 2021, The following table shows the estimated future amortization expense for mortgage servicing rights for the periods indicated: (In Thousands) Estimate for the annual period ended December 31: 2022 $ 132 2023 550 2024 426 2025 397 2026 350 Thereafter 1,300 Total $ 3,155

Note 5 - Deposits

Note 5 - Deposits	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	Note 5 Deposits At September 30, 2022 December 31, 2021 $250,000 not $250,000 A summary of the contractual maturities of time deposits at September 30, 2022 (In Thousands) Within one year $ 498,311 More than one to two years 88,460 More than two to three years 4,999 More than three to four years 793 More than four through five years 1,118 $ 593,681 Certain directors and executive officers, including their immediate families and companies in which they are principal owners, are depositors of the Corporation. Such deposits amounted to $20.0 million and $27.4 million at September 30, 2022 December 31, 2021

Note 6 - Borrowings

Note 6 - Borrowings	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Debt Disclosure [Text Block]	Note 6 Borrowings Borrowings consist of the following: September 30, 2022 December 31, 2021 Weighted Weighted Average Average Balance Rate Balance Rate (Dollars in Thousands) Short term: Repurchase agreements $ 19,951 5.88 % $ 2,127 3.00 % Federal Home Loan Bank, Chicago advances 50,000 2.53 % 5,000 0.00 % Long term: Federal Home Loan Bank, Chicago advances maturing: 2025 50,000 3.50 % - 0.00 % 2027 50,000 1.73 % 50,000 1.73 % 2028 50,000 2.57 % 255,000 2.37 % 2029 100,000 1.87 % 165,000 1.61 % $ 319,951 2.57 % $ 477,127 2.02 % The short-term repurchase agreement represents the outstanding portion of a total $75.0 million commitment with one September 30, 2022 September 30, 2022 December 31, 2021 The Company enters into agreements under which it sells securities subject to an obligation to repurchase the same or similar securities. In addition, the Company enters into agreements under which it sells loans held for sale subject to an obligation to repurchase the same loans. Under these arrangements, the Company may not no The $50.0 million short term advance has a fixed rate of 2.53% and has a contractual maturity date in October 2022. The $50.0 million advance due in 2025 September 2024 September 2025. The $50.0 million advance due in 2027 December 2027. The $50.0 million advance due in 2028 September 2028. The $100.0 million in advances due in 2029 one one The Company selects loans that meet underwriting criteria established by the FHLB as collateral for outstanding advances. The Company’s borrowings from the FHLB are limited to 80% of the carrying value of unencumbered one four September 30, 2022 December 31, 2021

Note 7 - Regulatory Capital

Note 7 - Regulatory Capital	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	Note 7 Regulatory Capital The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements, or overall financial performance deemed by the regulators to be inadequate, can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Company's and Bank’s assets, liabilities, and certain off-balance-sheet items, as calculated under regulatory accounting practices. The Company's and Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. As required by applicable legislation, the federal banking agencies were required to develop a “Community Bank Leverage Ratio” (the ratio of a bank’s tangible equity capital to average total consolidated assets) for financial institutions with assets of less than $10 may The federal banking agencies must set the minimum capital for the new Community Bank Leverage Ratio at not 8% not 10%. 9%. second 2020. Prompt corrective action regulations provide five not The minimum capital ratios set forth in the Regulatory Capital Plans will be increased and other minimum capital requirements will be established if and as necessary. In accordance with the Regulatory Capital Plans, the Bank will not 1 2.5%. As of September 30, 2022 no The Bank is subject to regulatory restrictions on the amount of dividends it may not The actual and required capital amounts and ratios for the Bank as of September 30, 2022 December 31, 2021 September 30, 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. $ 411,947 25.45 % $ 129,504 8.00 % $ 169,974 10.50 % N/A N/A Waterstone Bank 360,964 22.30 % 129,504 8.00 % 169,974 10.50 % 161,880 10.00 % Tier I Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 394,495 24.37 % 97,128 6.00 % 137,598 8.50 % N/A N/A Waterstone Bank 343,512 21.22 % 97,128 6.00 % 137,598 8.50 % 129,504 8.00 % Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 394,495 24.37 % 72,846 4.50 % 113,316 7.00 % N/A N/A Waterstone Bank 343,512 21.22 % 72,846 4.50 % 113,316 7.00 % 105,222 6.50 % Tier I Capital (to average assets) Consolidated Waterstone Financial, Inc. 394,495 20.32 % 77,645 4.00 % N/A N/A N/A N/A Waterstone Bank 343,512 17.70 % 77,645 4.00 % N/A N/A 97,057 5.00 % State of Wisconsin (to total assets) Waterstone Bank 343,512 17.45 % 118,143 6.00 % N/A N/A N/A N/A December 31, 2021 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. $ 448,818 29.01 % $ 123,766 8.00 % $ 162,443 10.50 % N/A N/A Waterstone Bank 394,540 25.52 % 123,695 8.00 % 162,350 10.50 % 154,619 10.00 % Tier I capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 433,040 27.99 % 92,825 6.00 % 131,502 8.50 % N/A N/A Waterstone Bank 378,762 24.50 % 92,771 6.00 % 131,426 8.50 % 123,695 8.00 % Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 433,040 27.99 % 69,619 4.50 % 108,296 7.00 % N/A N/A Waterstone Bank 378,762 24.50 % 69,579 4.50 % 108,233 7.00 % 100,502 6.50 % Tier I Capital (to average assets) Consolidated Waterstone Financial, Inc. 433,040 19.29 % 89,774 4.00 % N/A N/A N/A N/A Waterstone Bank 378,762 16.88 % 89,774 4.00 % N/A N/A 112,218 5.00 % State of Wisconsin (to total assets) Waterstone Bank 378,762 17.14 % 132,572 6.00 % N/A N/A N/A N/A

Note 8 - Commitments, Off-Balan

Note 8 - Commitments, Off-Balance Sheet Arrangements, and Contingent Liabilities	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	Note 8 Commitments, Off-Balance Sheet Arrangements, and Contingent Liabilities The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the consolidated statements of financial condition. The contract or notional amounts of those instruments reflect the extent of involvement the Company has in particular classes of financial instruments. September 30, 2022 December 31, 2021 (In Thousands) Financial instruments whose contract amounts represent potential credit risk: Commitments to extend credit under amortizing loans (1) $ 57,800 $ 48,686 Commitments to extend credit under home equity lines of credit (2) 10,952 11,990 Unused portion of construction loans (3) 36,201 50,303 Unused portion of business lines of credit 17,318 17,916 Standby letters of credit 1,691 1,379 ( 1 Commitments for loans are extended to customers for up to 90 days after which they expire. Excludes commitments to originate loans held for sale, which are discussed in the following footnote. ( 2 Unused portions of home equity loans are available to the borrower for up to 10 years. ( 3 Unused portions of construction loans are available to the borrower for up to one Commitments to extend credit are agreements to lend to a customer as long as there is no may Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third The Company has determined that there are no probable losses related to commitments to extend credit or the standby letters of credit as of December 31, 2021 3 Residential mortgage loans sold to others are predominantly conventional residential first first September 30, 2022 December 31, 2021 In the normal course of business, the Company, or its subsidiaries, are involved in various legal proceedings. In the opinion of management, any liability resulting from pending proceedings would not

Note 9 - Derivative Financial I

Note 9 - Derivative Financial Instruments	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Derivative Instruments and Hedging Activities Disclosure [Text Block]	Note 9 Derivative Financial Instruments Mortgage Banking Derivatives In connection with its mortgage banking activities, the Company enters into derivative financial instruments as part of its strategy to manage its exposure to changes in interest rates. Mortgage banking derivatives include interest rate lock commitments provided to customers to fund mortgage loans to be sold in the secondary market and forward commitments for the future delivery of such loans. It is the Company’s practice to enter into forward commitments for the future delivery of residential mortgage loans when interest rate lock commitments are entered into in order to economically hedge the effect of future changes in interest rates on its commitments to fund the loans as well as on its portfolio of mortgage loans held-for-sale. The Company’s mortgage banking derivatives have not not 815. not not Derivative Loan Commitments Mortgage loan commitments qualify as derivative loan commitments if the loan that will result from exercise of the commitment will be held for sale upon funding. The Company enters into commitments to fund residential mortgage loans at specified times in the future, with the intention that these loans will subsequently be sold in the secondary market. A mortgage loan commitment binds the Company to lend funds to a potential borrower at a specified interest rate and within a specified period of time, generally up to 60 Outstanding derivative loan commitments expose the Company to the risk that the price of the loans arising from exercise of the loan commitment might decline from inception of a rate lock to funding of the loan due to increases in mortgage interest rates. If interest rates increase, the value of these loan commitments decreases. Conversely, if interest rates decrease, the value of these loan commitments increases. Forward Loan Sale Commitments The Company utilizes both “mandatory delivery” and “best efforts” forward loan sale commitments to mitigate the risk of potential decreases in the values of loans that would result from the exercise of the derivative loan commitments. With a “mandatory delivery” contract, the Company commits to deliver a certain principal amount of mortgage loans to an investor at a specified price on or before a specified date. If the Company fails to deliver the number of mortgages necessary to fulfill the commitment by the specified date, it is obligated to pay a “pair-off” fee, based on then-current market prices, to the investor to compensate the investor for the shortfall. With a “best efforts” contract, the Company commits to deliver an individual mortgage loan of a specified principal amount and quality to an investor if the loan to the underlying borrower closes. Generally, the price the investor will pay the seller for an individual loan is specified prior to the loan being funded (e.g., on the same day the lender commits to lend funds to a potential borrower). The Company expects that these forward loan sale commitments will experience changes in fair value opposite to the change in fair value of derivative loan commitments. Interest Rate Swaps The Company may third not The following tables presents the outstanding notional balances and fair values of outstanding derivative instruments: September 30, 2022 Assets Liabilities Derivatives not designated as Hedging Instruments Notional Amount Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In Millions) Forward commitments $ 497.0 Other assets $ 12.4 Other liabilities $ 10.9 Interest rate locks 379.4 Other assets 1.5 Other liabilities - Interest rate swaps 103.4 Other assets 16.3 Other liabilities 16.3 December 31, 2021 Assets Liabilities Derivatives not designated as Hedging Instruments Notional Amount Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In Millions) Forward commitments $ 571.5 Other assets $ 1.3 Other liabilities $ - Interest rate locks 345.2 Other assets 3.1 Other liabilities - Interest rate swaps 105.2 Other assets 1.6 Other liabilities 1.6 In determining the fair value of its derivative loan commitments, the Company considers the value that would be generated by the loan arising from exercise of the loan commitment when sold in the secondary mortgage market. That value includes the price that the loan is expected to be sold for in the secondary mortgage market. The fair value of these commitments is recorded on the consolidated statements of financial condition with the changes in fair value recorded as a component of mortgage banking income. The significant unobservable input used in the fair value measurement of the Company's mortgage banking derivatives, including interest rate lock commitments, is the loan pull through rate. This represents the percentage of loans currently in a lock position which the Company estimates will ultimately close. Generally, the fair value of an interest rate lock commitment will be positively (negatively) impacted when the prevailing interest rate is lower (higher) than the interest rate lock commitment. Generally, an increase in the pull through rate will result in the fair value of the interest rate lock increasing when in a gain position, or decreasing when in a loss position. The pull through rate is largely dependent on the loan processing stage that a loan is currently in and the change in prevailing interest rates from the time of the rate lock. The pull through rate is computed using historical data and the ratio is periodically reviewed by the Company. Interest Rate Swaps The Company may third not The back-to-back swaps mature in December 2029 June 2037. not September 30, 2022 December 31, 2021 September 30, 2022 December 31, 2021 September 30, 2022 December 31, 2021

Note 10 - Earnings Per Share

Note 10 - Earnings Per Share	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 10 Earnings Per Share Earnings per share are computed using the two There were 158,000 and 45,000 antidilutive shares of common stock for the three September 30, 2022 2021 nine September 30, 2022 2021 Presented below are the calculations for basic and diluted earnings per share: Three months ended September 30, Nine months ended September 30, 2022 2021 2022 2021 (In Thousands, except per share amounts) Net income $ 5,270 $ 19,000 $ 18,552 $ 58,238 Weighted average shares outstanding 21,342 23,785 22,193 23,790 Effect of dilutive potential common shares 112 175 130 197 Diluted weighted average shares outstanding $ 21,454 $ 23,960 $ 22,323 $ 23,987 Basic earnings per share $ 0.25 $ 0.80 $ 0.84 $ 2.45 Diluted earnings per share $ 0.25 $ 0.79 $ 0.83 $ 2.43

Note 11 - Fair Value Measuremen

Note 11 - Fair Value Measurements	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 11 Fair Value Measurements ASC Topic 820, not not 1 2 3 The fair value hierarchy prioritizes inputs used to measure fair value into three Level 1 1 Level 2 2 1 2 Level 3 3 In instances where the determination of the fair value measurement is based on inputs from different levels of the fair value hierarchy, the level in the fair value hierarchy within which the entire fair value measurement falls is based on the lowest level input that is significant to the fair value measurement in its entirety. The Company’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specific to the asset or liability. The following table presents information about our assets recorded in our consolidated statements of financial condition at their fair value on a recurring basis as of September 30, 2022 December 31, 2021 Fair Value Measurements Using September 30, 2022 Level 1 Level 2 Level 3 (In Thousands) Assets Available for sale securities Mortgage-backed securities $ 13,917 $ - $ 13,917 $ - Collateralized mortgage obligations Government sponsored enterprise issued 128,048 - 128,048 - Private-label issued 8,432 - 8,432 - Government sponsored enterprise bonds 2,242 - 2,242 - Municipal securities 33,458 - 33,458 - Other debt securities 11,146 - 11,146 - Other securities 55 - 55 - Loans held for sale 186,049 - 186,049 - Mortgage banking derivative assets 13,868 - - 13,868 Interest rate swap assets 16,328 - 16,328 - Liabilities Mortgage banking derivative liabilities 10,949 - - 10,949 Interest rate swap liabilities 16,328 - 16,328 - Fair Value Measurements Using December 31, 2021 Level 1 Level 2 Level 3 (In Thousands) Assets Available for sale securities Mortgage-backed securities $ 19,488 $ - $ 19,488 $ - Collateralized mortgage obligations Government sponsored enterprise issued 99,302 - 99,302 - Private-label issued 2,943 - 2,943 - Government sponsored enterprise bonds 2,448 - 2,448 - Municipal securities 43,494 - 43,494 - Other debt securities 11,341 - 11,341 - Loans held for sale 312,738 - 312,738 - Mortgage banking derivative assets 4,369 - - 4,369 Interest rate swap assets 1,578 - 1,578 - Liabilities Mortgage banking derivative liabilities - - - - Interest rate swap liabilities 1,578 - 1,578 - The following summarizes the valuation techniques for assets recorded in our consolidated statements of financial condition at their fair value on a recurring basis: Available-for-sale securities – The Company’s investment securities classified as available for sale include: mortgage-backed securities, collateralized mortgage obligations, government sponsored enterprise bonds, municipal securities and other debt securities. The fair value of mortgage-backed securities, collateralized mortgage obligations and government sponsored enterprise bonds are determined by a third 2 third 2 Loans held for sale – The Company carries loans held for sale at fair value under the fair value option model. Fair value is generally determined by estimating a gross premium or discount, which is derived from pricing currently observable in the secondary market, principally from observable prices for forward sale commitments. Loans held-for-sale are considered to be Level 2 Mortgage banking derivatives - Mortgage banking derivatives include interest rate lock commitments to originate residential loans held for sale to individual customers and forward commitments to sell residential mortgage loans to various investors. The Company utilizes a valuation model to estimate the fair value of its interest rate lock commitments to originate residential mortgage loans held for sale, which includes applying a pull through rate based upon historical experience and the current interest rate environment and then multiplying by quoted investor prices. The Company also utilizes a valuation model to estimate the fair value of its forward commitments to sell residential loans, which includes matching specific terms and maturities of the forward commitments against applicable investor pricing available. While there are Level 2 3 one 3 Interest rate swap assets/liabilities - The Company offers loan level swaps to its customers and offsets its exposure from such contracts by entering into mirror image swaps with a financial institution / swap counterparty. The fair values of derivatives are based on valuation models using observable market data as of the measurement date. Our derivatives are traded in an over-the-counter market where quoted market prices are not third 2 The table below presents reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3 2022 2021 Three months ended September 30, Nine months ended September 30, 2022 2021 2022 2021 (In Thousands) (In Thousands) Mortgage derivative, net balance at the beginning of the period $ (143 ) $ 7,489 $ 4,369 $ 5,917 Mortgage derivative gain (loss), net 3,062 (683 ) (1,450 ) 889 Mortgage derivative, net balance at the end of the period $ 2,919 $ 6,806 $ 2,919 $ 6,806 There were no transfers in or out of Level 1, 2 3 Assets Recorded at Fair Value on a Non-recurring Basis The following tables present information about our assets recorded in our consolidated statements of financial condition at their fair value on a non-recurring basis as of September 30, 2022 December 31, 2021 Fair Value Measurements Using September 30, 2022 Level 1 Level 2 Level 3 (In Thousands) Real estate owned 148 - - 148 Fair Value Measurements Using December 31, 2021 Level 1 Level 2 Level 3 (In Thousands) Real estate owned 148 - - 148 Impaired mortgage servicing rights - - - - Real estate owned – On a non-recurring basis, real estate owned is recorded in our consolidated statements of financial condition at the lower of cost or fair value. Fair value is determined based on third 3 Mortgage servicing rights – The Company utilizes an independent valuation from a third 3 For Level 3 September 30, 2022 December 31, 2021 Significant Unobservable Input Value Fair Value at Significant September 30, Valuation Unobservable Minimum Maximum Weighted 2022 Technique Inputs Value Value Average (Dollars in Thousands) Mortgage banking derivatives $ 2,919 Pricing models Pull through rate 12.5 % 99.7 % 90.0 % Real estate owned 148 Market approach Discount rates applied to appraisals 34.8 % 34.8 % 34.8 % December 31, 2021 Mortgage banking derivatives 4,369 Pricing models Pull through rate 26.0 % 99.8 % 88.2 % Real estate owned 148 Market approach Discount rates applied to appraisals 34.8 % 34.8 % 34.8 % Mortgage servicing rights - Pricing models Prepayment rate 9.8 % 43.4 % 11.8 % Discount rate 0.0 % 12.0 % 10.2 % Cost to service $ 84.06 $ 839.53 108.37 A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below. Fair value information about financial instruments follows, whether or not not not not The carrying amounts and fair values of the Company’s financial instruments consist of the following: September 30, 2022 December 31, 2021 Carrying Fair Value Carrying Fair Value amount Total Level 1 Level 2 Level 3 amount Total Level 1 Level 2 Level 3 (In Thousands) Financial Assets Cash and cash equivalents $ 72,941 $ 72,941 $ 72,941 $ - $ - $ 376,722 $ 376,722 $ 376,722 $ - $ - Loans receivable 1,354,465 1,297,581 - - 1,297,581 1,205,785 1,210,854 - - 1,210,854 FHLB stock 15,750 15,750 - 15,750 - 24,438 24,438 - 24,438 - Accrued interest receivable 4,920 4,920 4,920 - - 4,013 4,013 4,013 - - Mortgage servicing rights 3,155 4,724 - - 4,724 1,555 1,808 - - 1,808 Financial Liabilities Deposits 1,187,128 1,185,598 593,447 592,151 - 1,233,386 1,233,478 606,723 626,755 - Advance payments by borrowers for taxes 24,084 24,084 24,084 - - 4,094 4,094 4,094 - - Borrowings 319,951 307,758 - 307,758 - 477,127 499,120 - 499,120 - Accrued interest payable 841 841 841 - - 959 959 959 - - The following methods and assumptions were used by the Company in determining its fair value disclosures for financial instruments. Cash and Cash Equivalents The carrying amount reported in the consolidated statements of financial condition for cash and cash equivalents is a reasonable estimate of fair value. Loans Receivable The fair value estimation process for the loan portfolio uses an exit price concept and reflects discounts the Company believes are consistent with discounts in the marketplace. Fair values are estimated for portfolios of loans with similar characteristics. Loans are segregated by type such as one four FHLB Stock For FHLB stock, the carrying amount is the amount at which shares can be redeemed with the FHLB and is a reasonable estimate of fair value. Deposits and Advance Payments by Borrowers for Taxes The fair values for interest-bearing and noninterest-bearing negotiable order of withdrawal accounts, savings accounts, and money market accounts are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts). The fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates of similar remaining maturities to a schedule of aggregated expected monthly maturities of the outstanding certificates of deposit. The advance payments by borrowers for taxes are equal to their carrying amounts at the reporting date. Borrowings Fair values for borrowings are estimated using a discounted cash flow calculation that applies current interest rates to estimated future cash flows of the borrowings. Accrued Interest Payable and Accrued Interest Receivable For accrued interest payable and accrued interest receivable, the carrying amount is a reasonable estimate of fair value. Commitments to Extend Credit and Standby Letters of Credit Commitments to extend credit and standby letters of credit are generally not not September 30, 2022 December 31, 2021

Note 12 - Segment Reporting

Note 12 - Segment Reporting	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	Note 12 Segment Reporting Selected financial and descriptive information is required to be provided about reportable operating segments, considering a "management approach" concept as the basis for identifying reportable segments. The management approach is based on the way that management organizes the segments within the enterprise for making operating decisions, allocating resources, and assessing performance. Consequently, the segments are evident from the structure of the enterprise's internal organization, focusing on financial information that an enterprise's chief operating decision-makers use to make decisions about the enterprise's operating matters. The Company has determined that it has two reportable segments: community banking and mortgage banking. The Company's operating segments are presented based on its management structure and management accounting practices. The structure and practices are specific to the Company and therefore, the financial results of the Company's business segments are not Community Banking The community banking segment provides consumer and business banking products and services to customers primarily within Southeastern Wisconsin. Within this segment, the following products and services are provided: ( 1 2 3 4 Consumer products include loan and deposit products: mortgage, home equity loans and lines, personal term loans, demand deposit accounts, interest bearing transaction accounts and time deposits. Consumer products also include personal investment services. Business banking products include secured and unsecured lines and term loans for working capital, inventory and general corporate use, commercial real estate construction loans, demand deposit accounts, interest bearing transaction accounts and time deposits. Mortgage Banking The mortgage banking segment provides residential mortgage loans for the primary purpose of sale on the secondary market. Mortgage banking products and services are provided by offices in 27 Presented below is the segment information: As of or for the three months ended September 30, 2022 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 15,507 $ (155 ) $ 46 $ 15,398 Provision for credit losses 234 98 - 332 Net interest income (expense) after provision for credit losses 15,273 (253 ) 46 15,066 Noninterest income: 1,116 27,305 (1,017 ) 27,404 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 4,424 21,864 (114 ) 26,174 Occupancy, office furniture and equipment 955 1,341 - 2,296 Advertising 213 924 - 1,137 Data processing 539 543 2 1,084 Communications 108 194 - 302 Professional fees 123 265 5 393 Real estate owned 1 - - 1 Loan processing expense - 1,120 - 1,120 Other 1,477 2,571 (861 ) 3,187 Total noninterest expenses 7,840 28,822 (968 ) 35,694 Income (loss) before income taxes (benefit) 8,549 (1,770 ) (3 ) 6,776 Income tax expense (benefit) 1,983 (470 ) (7 ) 1,506 Net income (loss) $ 6,566 $ (1,300 ) $ 4 $ 5,270 Total Assets $ 1,904,785 $ 250,301 $ (180,035 ) $ 1,975,051 As of or for the three months ended September 30, 2021 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 14,090 $ (2 ) $ 26 $ 14,114 Provision (credit) for loan losses (750 ) 50 - (700 ) Net interest income (expense) after provision (credit) for loan losses 14,840 (52 ) 26 14,814 Noninterest income: 1,726 51,290 (80 ) 52,936 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 5,360 28,981 (112 ) 34,229 Occupancy, office furniture and equipment 909 1,579 - 2,488 Advertising 233 602 - 835 Data processing 531 450 5 986 Communications 122 209 - 331 Professional fees 130 421 (1 ) 550 Real estate owned 1 - - 1 Loan processing expense - 1,135 - 1,135 Other 422 2,270 76 2,768 Total noninterest expenses 7,708 35,647 (32 ) 43,323 Income (loss) before income taxes 8,858 15,591 (22 ) 24,427 Income tax expense (benefit) 2,092 3,341 (6 ) 5,427 Net income (loss) $ 6,766 $ 12,250 $ (16 ) $ 19,000 Total Assets $ 2,184,200 $ 381,177 $ (331,266 ) $ 2,234,111 As of or for the nine months ended September 30, 2022 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income $ 40,869 $ 398 $ 76 $ 41,343 Provision for credit losses 53 251 - 304 Net interest income after provision for credit losses 40,816 147 76 41,039 Noninterest income: 4,188 86,035 (1,763 ) 88,460 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 14,232 63,613 (343 ) 77,502 Occupancy, office furniture and equipment 2,768 3,772 - 6,540 Advertising 684 2,320 - 3,004 Data processing 1,678 1,744 8 3,430 Communications 265 635 - 900 Professional fees 355 825 23 1,203 Real estate owned 6 - - 6 Loan processing expense - 3,685 - 3,685 Other 3,083 7,613 (1,288 ) 9,408 Total noninterest expenses 23,071 84,207 (1,600 ) 105,678 Income (loss) before income taxes (benefit) 21,933 1,975 (87 ) 23,821 Income tax expense (benefit) 4,808 485 (24 ) 5,269 Net income (loss) $ 17,125 $ 1,490 $ (63 ) $ 18,552 As of or for the nine months ended September 30, 2021 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 42,854 $ (603 ) $ 92 $ 42,343 Provision (credit) for loan losses (2,600 ) 80 - (2,520 ) Net interest income (expense) after provision (credit) for loan losses 45,454 (683 ) 92 44,863 Noninterest income: 4,599 156,881 (301 ) 161,179 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 15,209 87,413 (344 ) 102,278 Occupancy, office furniture and equipment 2,821 4,525 - 7,346 Advertising 702 1,868 - 2,570 Data processing 1,508 1,347 16 2,871 Communications 327 661 - 988 Professional fees 522 258 24 804 Real estate owned (11 ) - - (11 ) Loan processing expense - 3,670 - 3,670 Other 1,323 7,629 152 9,104 Total noninterest expenses 22,401 107,371 (152 ) 129,620 Income (loss) before income taxes 27,652 48,827 (57 ) 76,422 Income tax expense (benefit) 6,006 12,198 (20 ) 18,184 Net income (loss) $ 21,646 $ 36,629 $ (37 ) $ 58,238

Note 2 - Securities Available_2

Note 2 - Securities Available for Sale (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Debt Securities, Available-for-Sale [Table Text Block]	September 30, 2022 Gross Gross Amortized unrealized unrealized cost gains losses Fair value (In Thousands) Mortgage-backed securities $ 15,735 $ 3 $ (1,821 ) $ 13,917 Collateralized mortgage obligations: Government sponsored enterprise issued 147,192 - (19,144 ) 128,048 Private-label issued 9,299 - (867 ) 8,432 Mortgage-related securities 172,226 3 (21,832 ) 150,397 Government sponsored enterprise bonds 2,500 - (258 ) 2,242 Municipal securities 35,358 95 (1,995 ) 33,458 Other debt securities 12,500 - (1,354 ) 11,146 Debt securities 50,358 95 (3,607 ) 46,846 Other securities 55 - - 55 Total $ 222,639 $ 98 $ (25,439 ) $ 197,298 December 31, 2021 Gross Gross Amortized unrealized unrealized cost gains losses Fair value (In Thousands) Mortgage-backed securities $ 19,133 $ 542 $ (187 ) $ 19,488 Collateralized mortgage obligations Government sponsored enterprise issued 100,543 503 (1,744 ) 99,302 Private-label issued 2,913 30 - 2,943 Mortgage related securities 122,589 1,075 (1,931 ) 121,733 Government sponsored enterprise bonds 2,500 - (52 ) 2,448 Municipal securities 42,295 1,206 (7 ) 43,494 Other debt securities 12,500 41 (1,200 ) 11,341 Debt securities 57,295 1,247 (1,259 ) 57,283 Total $ 179,884 $ 2,322 $ (3,190 ) $ 179,016
Investments Classified by Contractual Maturity Date [Table Text Block]	Amortized Fair Cost Value (In Thousands) Debt and other securities Due within one year $ 5,310 $ 5,288 Due after one year through five years 19,301 18,934 Due after five years through ten years 18,622 16,971 Due after ten years 7,125 5,653 Mortgage-related securities 172,226 150,397 Other securities 55 55 Total $ 222,639 $ 197,298
Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value [Table Text Block]	September 30, 2022 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized value loss value loss value loss (In Thousands) Mortgage-backed securities $ 8,903 $ (672 ) $ 4,634 $ (1,149 ) $ 13,537 $ (1,821 ) Collateralized mortgage obligations: Government sponsored enterprise issued 81,831 (8,188 ) 46,217 (10,956 ) 128,048 (19,144 ) Private-label issued 7,288 (867 ) - - 7,288 (867 ) Government sponsored enterprise bonds 2,242 (258 ) - - 2,242 (258 ) Municipal securities 25,578 (1,783 ) 503 (212 ) 26,081 (1,995 ) Other debt securities 2,346 (154 ) 8,800 (1,200 ) 11,146 (1,354 ) Total $ 128,188 $ (11,922 ) $ 60,154 $ (13,517 ) $ 188,342 $ (25,439 ) December 31, 2021 Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized value loss value loss value loss (In Thousands) Mortgage-backed securities $ 4,042 $ (101 ) $ 1,956 $ (86 ) $ 5,998 $ (187 ) Collateralized mortgage obligations: Government sponsored enterprise issued 66,254 (1,589 ) 4,371 (155 ) 70,625 (1,744 ) Government sponsored enterprise bonds 2,448 (52 ) - - 2,448 (52 ) Municipal securities 1,471 (7 ) - - 1,471 (7 ) Other debt securities - - 8,800 (1,200 ) 8,800 (1,200 ) Total $ 74,215 $ (1,749 ) $ 15,127 $ (1,441 ) $ 89,342 $ (3,190 )

Note 3 - Loans Receivable (Tabl

Note 3 - Loans Receivable (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	September 30, 2022 December 31, 2021 (In Thousands) Mortgage loans: Residential real estate: One- to four-family $ 361,943 $ 300,523 Multi-family 621,560 537,956 Home equity 11,020 11,012 Construction and land 61,125 82,588 Commercial real estate 278,864 250,676 Consumer 757 732 Commercial loans 19,196 22,298 Total $ 1,354,465 $ 1,205,785
Financing Receivable, Past Due [Table Text Block]	As of September 30, 2022 1-59 Days Past Due (1) 60-89 Days Past Due (2) 90 Days or Greater Total Past Due Current (3) Total Loans (In Thousands) Mortgage loans: Residential real estate: One- to four-family $ 2,035 $ 245 $ 3,573 $ 5,853 $ 356,090 $ 361,943 Multi-family - - - - 621,560 621,560 Home equity 180 18 23 221 10,799 11,020 Construction and land - - - - 61,125 61,125 Commercial real estate - 96 - 96 278,768 278,864 Consumer - - - - 757 757 Commercial loans 357 - - 357 18,839 19,196 Total $ 2,572 $ 359 $ 3,596 $ 6,527 $ 1,347,938 $ 1,354,465 As of December 31, 2021 1-59 Days Past Due (1) 60-89 Days Past Due (2) 90 Days or Greater Total Past Due Current (3) Total Loans (In Thousands) Mortgage loans: Residential real estate: One- to four-family $ 622 $ 2,028 $ 4,214 $ 6,864 $ 293,659 $ 300,523 Multi-family - - 128 128 537,828 537,956 Home equity 14 23 26 63 10,949 11,012 Construction and land - - - - 82,588 82,588 Commercial real estate - - - - 250,676 250,676 Consumer - - - - 732 732 Commercial loans 7 - - 7 22,291 22,298 Total $ 643 $ 2,051 $ 4,368 $ 7,062 $ 1,198,723 $ 1,205,785
Financing Receivable, Allowance for Credit Loss [Table Text Block]	One- to Four-Family Multi-Family Home Equity Land and Construction Commercial Real Estate Consumer Commercial Total (In Thousands) Nine months ended September 30, 2022 Balance at beginning of period $ 3,963 $ 5,398 $ 89 $ 1,386 $ 4,482 $ 33 $ 427 $ 15,778 Adoption of CECL 88 100 58 886 (640 ) 7 (69 ) 430 Provision (credit) for credit losses - loans 644 1,338 29 (763 ) (417 ) 19 (150 ) 700 Charge-offs (254 ) - - - - (12 ) - (266 ) Recoveries 55 727 14 2 12 - - 810 Balance at end of period $ 4,496 $ 7,563 $ 190 $ 1,511 $ 3,437 $ 47 $ 208 $ 17,452 Nine months ended September 30, 2021 Balance at beginning of period $ 5,459 $ 5,600 $ 194 $ 1,755 $ 5,138 $ 35 $ 642 $ 18,823 Provision (credit) for loan losses (1,952 ) 700 (105 ) (511 ) (446 ) 9 (215 ) (2,520 ) Charge-offs (105 ) - - (13 ) (10 ) (10 ) - (138 ) Recoveries 522 36 12 52 3 - - 625 Balance at end of period $ 3,924 $ 6,336 $ 101 $ 1,283 $ 4,685 $ 34 $ 427 $ 16,790 One to-Four- Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) Three months ended September 30, 2022 Balance at beginning of period $ 4,629 $ 7,391 $ 163 $ 1,690 $ 3,160 $ 42 $ 196 $ 17,271 Provision (credit) for credit losses - loans 44 171 23 (179 ) 277 12 12 360 Charge-offs (189 ) - - - - (7 ) - (196 ) Recoveries 12 1 4 - - - - 17 Balance at end of period $ 4,496 $ 7,563 $ 190 $ 1,511 $ 3,437 $ 47 $ 208 $ 17,452 Three months ended September 30, 2021 Balance at beginning of period $ 4,025 $ 6,028 $ 156 $ 1,319 $ 5,184 $ 34 $ 664 $ 17,410 Provision for loan losses (207 ) 307 (59 ) (24 ) (490 ) 10 (237 ) (700 ) Charge-offs (66 ) - - (13 ) (10 ) (10 ) - (99 ) Recoveries 172 1 4 1 1 - - 179 Balance at end of period $ 3,924 $ 6,336 $ 101 $ 1,283 $ 4,685 $ 34 $ 427 $ 16,790
Schedule of Allowance for Credit Losses [Table Text Block]	Three months ended Nine months ended September 30, 2022 September 30, 2021 September 30, 2022 September 30, 2021 (In Thousands) Provision for credit losses on: Loans $ 360 $ (700 ) $ 700 $ (2,520 ) Unfunded commitments (28 ) - (396 ) - Investment securities - - - - Total $ 332 $ (700 ) $ 304 $ (2,520 )
Schedule of Collateral Dependent Loans [Table Text Block]	One- to Four- Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) Allowance related to collateral dependent loans $ - $ - $ - $ - $ - $ - $ - $ - Allowance related to pooled loans 4,496 7,563 190 1,511 3,437 47 208 17,452 Allowance at end of period $ 4,496 $ 7,563 $ 190 $ 1,511 $ 3,437 $ 47 $ 208 $ 17,452 Collateral dependent loans $ 3,297 $ - $ 23 $ - $ 5,493 $ - $ - $ 8,813 Pooled loans 358,646 621,560 10,997 61,125 273,371 757 19,196 1,345,652 Total gross loans $ 361,943 $ 621,560 $ 11,020 $ 61,125 $ 278,864 $ 757 $ 19,196 $ 1,354,465
Schedule of Allowance for Loan Loss for Loans Evaluated Individually and Collectively for Impairment [Table Text Block]	One- to Four- Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) Allowance related to loans individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - Allowance related to loans collectively evaluated for impairment 3,963 5,398 89 1,386 4,482 33 427 15,778 Balance at end of period $ 3,963 $ 5,398 $ 89 $ 1,386 $ 4,482 $ 33 $ 427 $ 15,778 Loans individually evaluated for impairment $ 5,420 $ 128 $ 26 $ - $ 1,222 $ - $ 1,097 $ 7,893 Loans collectively evaluated for impairment 295,103 537,828 10,986 82,588 249,454 732 21,201 1,197,892 Total gross loans $ 300,523 $ 537,956 $ 11,012 $ 82,588 $ 250,676 $ 732 $ 22,298 $ 1,205,785
Financing Receivable Credit Quality Indicators [Table Text Block]	One to Four-Family Multi-Family Home Equity Construction and Land Commercial Real Estate Consumer Commercial Total (In Thousands) At September 30, 2022 Substandard $ 5,018 $ - $ 57 $ - $ 5,493 $ - $ - $ 10,568 Watch 5,056 193 121 2,248 5,128 - 3,918 16,664 Pass 351,869 621,367 10,842 58,877 268,243 757 15,278 1,327,233 $ 361,943 $ 621,560 $ 11,020 $ 61,125 $ 278,864 $ 757 $ 19,196 $ 1,354,465 At December 31, 2021 Substandard $ 5,420 $ 128 $ 26 $ - $ 6,827 $ - $ 1,097 $ 13,498 Watch 7,937 - 37 4,212 5,870 - 3,194 21,250 Pass 287,166 537,828 10,949 78,376 237,979 732 18,007 1,171,037 $ 300,523 $ 537,956 $ 11,012 $ 82,588 $ 250,676 $ 732 $ 22,298 $ 1,205,785 2022 2021 2020 2019 2018 Prior Revolving Total (In Thousands) One- to four-family Pass $ 124,694 $ 40,914 $ 47,329 $ 26,812 $ 25,062 $ 85,574 $ 1,484 $ 351,869 Watch 4,172 - - - - 884 - 5,056 Substandard 759 1,428 - 529 - 2,302 - 5,018 Total 129,625 42,342 47,329 27,341 25,062 88,760 1,484 361,943 Multi-family Pass 189,817 146,650 141,230 45,809 22,850 74,214 797 621,367 Watch - - - - - 193 - 193 Substandard - - - - - - - - Total 189,817 146,650 141,230 45,809 22,850 74,407 797 621,560 Home equity Pass 254 82 848 122 176 170 9,190 10,842 Watch - 121 - - - - - 121 Substandard 57 - - - - - - 57 Total 311 203 848 122 176 170 9,190 11,020 Construction and land Pass 3,174 47,877 2,350 5,249 124 103 - 58,877 Watch - - - 2,248 - - - 2,248 Substandard - - - - - - - - Total 3,174 47,877 2,350 7,497 124 103 - 61,125 Commercial Real Estate Pass 75,939 54,920 50,697 37,469 22,075 26,484 659 268,243 Watch 1,498 - 96 2,252 1,282 - - 5,128 Substandard - - - - 5,493 - - 5,493 Total 77,437 54,920 50,793 39,721 28,850 26,484 659 278,864 Consumer Pass 38 - - - - - 719 757 Watch - - - - - - - - Substandard - - - - - - - - Total 38 - - - - - 719 757 Commercial Pass 2,176 1,357 1,332 281 965 5,745 3,422 15,278 Watch 1,840 - 1,979 - - 99 - 3,918 Substandard - - - - - - - - Total 4,016 1,357 3,311 281 965 5,844 3,422 19,196 Total Loans $ 404,418 $ 293,349 $ 245,861 $ 120,771 $ 78,027 $ 195,768 $ 16,271 $ 1,354,465
Impaired Financing Receivables [Table Text Block]	As of December 31, 2021 Recorded Unpaid Cumulative Investment Principal Reserve Charge-Offs (In Thousands) Total Impaired with Reserve One- to four-family $ - $ - $ - $ - Multi-family - - - - Home equity - - - - Construction and land - - - - Commercial real estate - - - - Consumer - - - - Commercial - - - - - - - - Total Impaired with no Reserve One- to four-family 5,420 5,450 - 30 Multi-family 128 128 - - Home equity 26 26 - - Construction and land - - - - Commercial real estate 1,222 1,222 - - Consumer - - - - Commercial 1,097 1,097 - - 7,893 7,923 - 30 Total Impaired One- to four-family 5,420 5,450 - 30 Multi-family 128 128 - - Home equity 26 26 - - Construction and land - - - - Commercial real estate 1,222 1,222 - - Consumer - - - - Commercial 1,097 1,097 - - $ 7,893 $ 7,923 $ - $ 30 2021 Average Recorded Interest Investment Paid (In Thousands) Total Impaired with Reserve One- to four-family $ - $ - Multi-family - - Home equity - - Construction and land - - Commercial real estate - - Consumer - - Commercial - - - - Total Impaired with no Reserve One- to four-family 5,109 105 Multi-family 315 1 Home equity 79 2 Construction and land 43 - Commercial real estate 1,251 28 Consumer - - Commercial 1,097 25 7,894 161 Total Impaired One- to four-family 5,109 105 Multi-family 315 1 Home equity 79 2 Construction and land 43 - Commercial real estate 1,251 28 Consumer - - Commercial 1,097 25 $ 7,894 $ 161
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	As of September 30, 2022 Accruing Non-accruing Total Amount Number Amount Number Amount Number (Dollars in Thousands) One- to four-family $ - - $ 1,623 5 $ 1,623 5 $ - - $ 1,623 5 $ 1,623 5 As of December 31, 2021 Accruing Non-accruing Total Amount Number Amount Number Amount Number (Dollars in Thousands) One- to four-family $ - - $ 1,670 5 $ 1,670 5 Commercial real estate 1,222 1 - - 1,222 1 Commercial 1,097 1 - - 1,097 1 $ 2,319 2 $ 1,670 5 $ 3,989 7 As of September 30, 2022 Performing in accordance with modified terms In Default Total Amount Number Amount Number Amount Number (Dollars in Thousands) Interest reduction and principal forbearance $ 64 1 $ 341 1 $ 405 2 Interest reduction 20 1 - - 20 1 Principal forbearance 1,198 2 - - 1,198 2 $ 1,282 4 $ 341 1 $ 1,623 5 As of December 31, 2021 Performing in accordance with modified terms In Default Total Amount Number Amount Number Amount Number (Dollars in Thousands) Interest reduction and principal forbearance $ 388 2 $ - - $ 388 2 Interest reduction 24 1 - - 24 1 Principal forbearance 3,577 4 - - 3,577 4 $ 3,989 7 $ - - $ 3,989 7
Financing Receivable, Nonaccrual [Table Text Block]	September 30, 2022 December 31, 2021 (Dollars in Thousands) Non-accrual loans: Residential One- to four-family $ 5,018 $ 5,420 Multi-family - 128 Home equity 57 26 Construction and land - - Commercial real estate - - Commercial - - Consumer - - Total non-accrual loans $ 5,075 $ 5,574 Total non-accrual loans to total loans receivable 0.37 % 0.46 % Total non-accrual loans to total assets 0.26 % 0.25 %

Note 4 - Mortgage Servicing R_2

Note 4 - Mortgage Servicing Rights (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Servicing Asset at Amortized Cost [Table Text Block]	Nine months ended September 30, 2022 2021 (In Thousands) Mortgage servicing rights at beginning of the period $ 1,555 $ 5,977 Additions 2,030 5,301 Amortization (437 ) (1,701 ) Sales - (8,416 ) Mortgage servicing rights at end of the period 3,148 1,161 Valuation allowance recovered during the period 7 - Mortgage servicing rights at end of the period, net $ 3,155 $ 1,161
Future Amortization Expenses for Mortgage Servicing Rights [Table Text Block]	(In Thousands) Estimate for the annual period ended December 31: 2022 $ 132 2023 550 2024 426 2025 397 2026 350 Thereafter 1,300 Total $ 3,155

Note 5 - Deposits (Tables)

Note 5 - Deposits (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Time Deposit Maturities [Table Text Block]	(In Thousands) Within one year $ 498,311 More than one to two years 88,460 More than two to three years 4,999 More than three to four years 793 More than four through five years 1,118 $ 593,681

Note 6 - Borrowings (Tables)

Note 6 - Borrowings (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Schedule of Debt [Table Text Block]	September 30, 2022 December 31, 2021 Weighted Weighted Average Average Balance Rate Balance Rate (Dollars in Thousands) Short term: Repurchase agreements $ 19,951 5.88 % $ 2,127 3.00 % Federal Home Loan Bank, Chicago advances 50,000 2.53 % 5,000 0.00 % Long term: Federal Home Loan Bank, Chicago advances maturing: 2025 50,000 3.50 % - 0.00 % 2027 50,000 1.73 % 50,000 1.73 % 2028 50,000 2.57 % 255,000 2.37 % 2029 100,000 1.87 % 165,000 1.61 % $ 319,951 2.57 % $ 477,127 2.02 %

Note 7 - Regulatory Capital (Ta

Note 7 - Regulatory Capital (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	September 30, 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. $ 411,947 25.45 % $ 129,504 8.00 % $ 169,974 10.50 % N/A N/A Waterstone Bank 360,964 22.30 % 129,504 8.00 % 169,974 10.50 % 161,880 10.00 % Tier I Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 394,495 24.37 % 97,128 6.00 % 137,598 8.50 % N/A N/A Waterstone Bank 343,512 21.22 % 97,128 6.00 % 137,598 8.50 % 129,504 8.00 % Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 394,495 24.37 % 72,846 4.50 % 113,316 7.00 % N/A N/A Waterstone Bank 343,512 21.22 % 72,846 4.50 % 113,316 7.00 % 105,222 6.50 % Tier I Capital (to average assets) Consolidated Waterstone Financial, Inc. 394,495 20.32 % 77,645 4.00 % N/A N/A N/A N/A Waterstone Bank 343,512 17.70 % 77,645 4.00 % N/A N/A 97,057 5.00 % State of Wisconsin (to total assets) Waterstone Bank 343,512 17.45 % 118,143 6.00 % N/A N/A N/A N/A December 31, 2021 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. $ 448,818 29.01 % $ 123,766 8.00 % $ 162,443 10.50 % N/A N/A Waterstone Bank 394,540 25.52 % 123,695 8.00 % 162,350 10.50 % 154,619 10.00 % Tier I capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 433,040 27.99 % 92,825 6.00 % 131,502 8.50 % N/A N/A Waterstone Bank 378,762 24.50 % 92,771 6.00 % 131,426 8.50 % 123,695 8.00 % Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated Waterstone Financial, Inc. 433,040 27.99 % 69,619 4.50 % 108,296 7.00 % N/A N/A Waterstone Bank 378,762 24.50 % 69,579 4.50 % 108,233 7.00 % 100,502 6.50 % Tier I Capital (to average assets) Consolidated Waterstone Financial, Inc. 433,040 19.29 % 89,774 4.00 % N/A N/A N/A N/A Waterstone Bank 378,762 16.88 % 89,774 4.00 % N/A N/A 112,218 5.00 % State of Wisconsin (to total assets) Waterstone Bank 378,762 17.14 % 132,572 6.00 % N/A N/A N/A N/A

Note 8 - Commitments, Off-Bal_2

Note 8 - Commitments, Off-Balance Sheet Arrangements, and Contingent Liabilities (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Schedule of Fair Value, off-Balance-Sheet Risks [Table Text Block]	September 30, 2022 December 31, 2021 (In Thousands) Financial instruments whose contract amounts represent potential credit risk: Commitments to extend credit under amortizing loans (1) $ 57,800 $ 48,686 Commitments to extend credit under home equity lines of credit (2) 10,952 11,990 Unused portion of construction loans (3) 36,201 50,303 Unused portion of business lines of credit 17,318 17,916 Standby letters of credit 1,691 1,379

Note 9 - Derivative Financial_2

Note 9 - Derivative Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Derivatives Not Designated as Hedging Instruments [Table Text Block]	September 30, 2022 Assets Liabilities Derivatives not designated as Hedging Instruments Notional Amount Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In Millions) Forward commitments $ 497.0 Other assets $ 12.4 Other liabilities $ 10.9 Interest rate locks 379.4 Other assets 1.5 Other liabilities - Interest rate swaps 103.4 Other assets 16.3 Other liabilities 16.3 December 31, 2021 Assets Liabilities Derivatives not designated as Hedging Instruments Notional Amount Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In Millions) Forward commitments $ 571.5 Other assets $ 1.3 Other liabilities $ - Interest rate locks 345.2 Other assets 3.1 Other liabilities - Interest rate swaps 105.2 Other assets 1.6 Other liabilities 1.6

Note 10 - Earnings Per Share (T

Note 10 - Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three months ended September 30, Nine months ended September 30, 2022 2021 2022 2021 (In Thousands, except per share amounts) Net income $ 5,270 $ 19,000 $ 18,552 $ 58,238 Weighted average shares outstanding 21,342 23,785 22,193 23,790 Effect of dilutive potential common shares 112 175 130 197 Diluted weighted average shares outstanding $ 21,454 $ 23,960 $ 22,323 $ 23,987 Basic earnings per share $ 0.25 $ 0.80 $ 0.84 $ 2.45 Diluted earnings per share $ 0.25 $ 0.79 $ 0.83 $ 2.43

Note 11 - Fair Value Measurem_2

Note 11 - Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurements Using September 30, 2022 Level 1 Level 2 Level 3 (In Thousands) Assets Available for sale securities Mortgage-backed securities $ 13,917 $ - $ 13,917 $ - Collateralized mortgage obligations Government sponsored enterprise issued 128,048 - 128,048 - Private-label issued 8,432 - 8,432 - Government sponsored enterprise bonds 2,242 - 2,242 - Municipal securities 33,458 - 33,458 - Other debt securities 11,146 - 11,146 - Other securities 55 - 55 - Loans held for sale 186,049 - 186,049 - Mortgage banking derivative assets 13,868 - - 13,868 Interest rate swap assets 16,328 - 16,328 - Liabilities Mortgage banking derivative liabilities 10,949 - - 10,949 Interest rate swap liabilities 16,328 - 16,328 - Fair Value Measurements Using December 31, 2021 Level 1 Level 2 Level 3 (In Thousands) Assets Available for sale securities Mortgage-backed securities $ 19,488 $ - $ 19,488 $ - Collateralized mortgage obligations Government sponsored enterprise issued 99,302 - 99,302 - Private-label issued 2,943 - 2,943 - Government sponsored enterprise bonds 2,448 - 2,448 - Municipal securities 43,494 - 43,494 - Other debt securities 11,341 - 11,341 - Loans held for sale 312,738 - 312,738 - Mortgage banking derivative assets 4,369 - - 4,369 Interest rate swap assets 1,578 - 1,578 - Liabilities Mortgage banking derivative liabilities - - - - Interest rate swap liabilities 1,578 - 1,578 -
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	Three months ended September 30, Nine months ended September 30, 2022 2021 2022 2021 (In Thousands) (In Thousands) Mortgage derivative, net balance at the beginning of the period $ (143 ) $ 7,489 $ 4,369 $ 5,917 Mortgage derivative gain (loss), net 3,062 (683 ) (1,450 ) 889 Mortgage derivative, net balance at the end of the period $ 2,919 $ 6,806 $ 2,919 $ 6,806
Fair Value Measurements, Nonrecurring [Table Text Block]	Fair Value Measurements Using September 30, 2022 Level 1 Level 2 Level 3 (In Thousands) Real estate owned 148 - - 148 Fair Value Measurements Using December 31, 2021 Level 1 Level 2 Level 3 (In Thousands) Real estate owned 148 - - 148 Impaired mortgage servicing rights - - - -
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Significant Unobservable Input Value Fair Value at Significant September 30, Valuation Unobservable Minimum Maximum Weighted 2022 Technique Inputs Value Value Average (Dollars in Thousands) Mortgage banking derivatives $ 2,919 Pricing models Pull through rate 12.5 % 99.7 % 90.0 % Real estate owned 148 Market approach Discount rates applied to appraisals 34.8 % 34.8 % 34.8 % December 31, 2021 Mortgage banking derivatives 4,369 Pricing models Pull through rate 26.0 % 99.8 % 88.2 % Real estate owned 148 Market approach Discount rates applied to appraisals 34.8 % 34.8 % 34.8 % Mortgage servicing rights - Pricing models Prepayment rate 9.8 % 43.4 % 11.8 % Discount rate 0.0 % 12.0 % 10.2 % Cost to service $ 84.06 $ 839.53 108.37
Fair Value, by Balance Sheet Grouping [Table Text Block]	September 30, 2022 December 31, 2021 Carrying Fair Value Carrying Fair Value amount Total Level 1 Level 2 Level 3 amount Total Level 1 Level 2 Level 3 (In Thousands) Financial Assets Cash and cash equivalents $ 72,941 $ 72,941 $ 72,941 $ - $ - $ 376,722 $ 376,722 $ 376,722 $ - $ - Loans receivable 1,354,465 1,297,581 - - 1,297,581 1,205,785 1,210,854 - - 1,210,854 FHLB stock 15,750 15,750 - 15,750 - 24,438 24,438 - 24,438 - Accrued interest receivable 4,920 4,920 4,920 - - 4,013 4,013 4,013 - - Mortgage servicing rights 3,155 4,724 - - 4,724 1,555 1,808 - - 1,808 Financial Liabilities Deposits 1,187,128 1,185,598 593,447 592,151 - 1,233,386 1,233,478 606,723 626,755 - Advance payments by borrowers for taxes 24,084 24,084 24,084 - - 4,094 4,094 4,094 - - Borrowings 319,951 307,758 - 307,758 - 477,127 499,120 - 499,120 - Accrued interest payable 841 841 841 - - 959 959 959 - -

Note 12 - Segment Reporting (Ta

Note 12 - Segment Reporting (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Reconciliation of Revenue from Segments to Consolidated [Table Text Block]	As of or for the three months ended September 30, 2022 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 15,507 $ (155 ) $ 46 $ 15,398 Provision for credit losses 234 98 - 332 Net interest income (expense) after provision for credit losses 15,273 (253 ) 46 15,066 Noninterest income: 1,116 27,305 (1,017 ) 27,404 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 4,424 21,864 (114 ) 26,174 Occupancy, office furniture and equipment 955 1,341 - 2,296 Advertising 213 924 - 1,137 Data processing 539 543 2 1,084 Communications 108 194 - 302 Professional fees 123 265 5 393 Real estate owned 1 - - 1 Loan processing expense - 1,120 - 1,120 Other 1,477 2,571 (861 ) 3,187 Total noninterest expenses 7,840 28,822 (968 ) 35,694 Income (loss) before income taxes (benefit) 8,549 (1,770 ) (3 ) 6,776 Income tax expense (benefit) 1,983 (470 ) (7 ) 1,506 Net income (loss) $ 6,566 $ (1,300 ) $ 4 $ 5,270 Total Assets $ 1,904,785 $ 250,301 $ (180,035 ) $ 1,975,051 As of or for the three months ended September 30, 2021 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 14,090 $ (2 ) $ 26 $ 14,114 Provision (credit) for loan losses (750 ) 50 - (700 ) Net interest income (expense) after provision (credit) for loan losses 14,840 (52 ) 26 14,814 Noninterest income: 1,726 51,290 (80 ) 52,936 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 5,360 28,981 (112 ) 34,229 Occupancy, office furniture and equipment 909 1,579 - 2,488 Advertising 233 602 - 835 Data processing 531 450 5 986 Communications 122 209 - 331 Professional fees 130 421 (1 ) 550 Real estate owned 1 - - 1 Loan processing expense - 1,135 - 1,135 Other 422 2,270 76 2,768 Total noninterest expenses 7,708 35,647 (32 ) 43,323 Income (loss) before income taxes 8,858 15,591 (22 ) 24,427 Income tax expense (benefit) 2,092 3,341 (6 ) 5,427 Net income (loss) $ 6,766 $ 12,250 $ (16 ) $ 19,000 Total Assets $ 2,184,200 $ 381,177 $ (331,266 ) $ 2,234,111 As of or for the nine months ended September 30, 2022 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income $ 40,869 $ 398 $ 76 $ 41,343 Provision for credit losses 53 251 - 304 Net interest income after provision for credit losses 40,816 147 76 41,039 Noninterest income: 4,188 86,035 (1,763 ) 88,460 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 14,232 63,613 (343 ) 77,502 Occupancy, office furniture and equipment 2,768 3,772 - 6,540 Advertising 684 2,320 - 3,004 Data processing 1,678 1,744 8 3,430 Communications 265 635 - 900 Professional fees 355 825 23 1,203 Real estate owned 6 - - 6 Loan processing expense - 3,685 - 3,685 Other 3,083 7,613 (1,288 ) 9,408 Total noninterest expenses 23,071 84,207 (1,600 ) 105,678 Income (loss) before income taxes (benefit) 21,933 1,975 (87 ) 23,821 Income tax expense (benefit) 4,808 485 (24 ) 5,269 Net income (loss) $ 17,125 $ 1,490 $ (63 ) $ 18,552 As of or for the nine months ended September 30, 2021 Holding Community Mortgage Company and Banking Banking Other Consolidated (In Thousands) Net interest income (expense) $ 42,854 $ (603 ) $ 92 $ 42,343 Provision (credit) for loan losses (2,600 ) 80 - (2,520 ) Net interest income (expense) after provision (credit) for loan losses 45,454 (683 ) 92 44,863 Noninterest income: 4,599 156,881 (301 ) 161,179 Noninterest expenses: Compensation, payroll taxes, and other employee benefits 15,209 87,413 (344 ) 102,278 Occupancy, office furniture and equipment 2,821 4,525 - 7,346 Advertising 702 1,868 - 2,570 Data processing 1,508 1,347 16 2,871 Communications 327 661 - 988 Professional fees 522 258 24 804 Real estate owned (11 ) - - (11 ) Loan processing expense - 3,670 - 3,670 Other 1,323 7,629 152 9,104 Total noninterest expenses 22,401 107,371 (152 ) 129,620 Income (loss) before income taxes 27,652 48,827 (57 ) 76,422 Income tax expense (benefit) 6,006 12,198 (20 ) 18,184 Net income (loss) $ 21,646 $ 36,629 $ (37 ) $ 58,238

Note 1 - Basis of Presentation

Note 1 - Basis of Presentation (Details Textual)	9 Months Ended
	Sep. 30, 2022 USD ($)	Mar. 31, 2022 USD ($)	Jan. 01, 2022 USD ($)	Dec. 31, 2021 USD ($)	Sep. 30, 2021 USD ($)	Mar. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Number of Offices	14
Financing Receivable, Allowance for Credit Loss, Ending Balance	$ 17,452,000	$ 17,271,000		$ 15,778,000	$ 16,790,000	$ 17,410,000	$ 18,823,000
Retained Earnings (Accumulated Deficit), Total	277,514,000			273,398,000
Unfunded Loan Commitment [Member]
Financing Receivable, Allowance for Credit Loss, Ending Balance	$ 1,000,000
Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Loss, Ending Balance				$ 430,000
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss, Ending Balance			$ 430,000
Retained Earnings (Accumulated Deficit), Total			(1,400,000)
Deferred Income Tax Assets, Net			439,000
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] | Unfunded Loan Commitment [Member]
Financing Receivable, Allowance for Credit Loss, Ending Balance			$ 1,400,000

Note 2 - Securities Available_3

Note 2 - Securities Available for Sale (Details Textual)	3 Months Ended		9 Months Ended
	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
Securities, Unrealized Loss Position, Number of Positions	202		202
Debt Securities, Available-for-Sale, Allowance for Credit Loss, Ending Balance	$ 0		$ 0		$ 0
Proceeds from Sale of Debt Securities, Available-for-Sale	0	$ 0	0	$ 0
Mortgage-related Securities [Member] | Asset Pledged as Collateral [Member]
Debt Securities, Available-for-Sale, Restricted	$ 282,000		$ 282,000		$ 430,000

Note 2 - Securities Available_4

Note 2 - Securities Available for Sale - Amortized Cost and Fair Values of Securities Available for Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Amortized cost	$ 222,639	$ 179,884
Gross unrealized gains	98	2,322
Gross unrealized losses	(25,439)	(3,190)
Fair value	197,298	179,016
Securities available for sale (at fair value)	197,298	179,016
Collateralized Mortgage-Backed Securities [Member]
Amortized cost	15,735	19,133
Gross unrealized gains	3	542
Gross unrealized losses	(1,821)	(187)
Fair value	13,917	19,488
Securities available for sale (at fair value)	13,917	19,488
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member]
Amortized cost	147,192	100,543
Gross unrealized gains	0	503
Gross unrealized losses	(19,144)	(1,744)
Fair value	128,048	99,302
Securities available for sale (at fair value)	128,048	99,302
Mortgage-Backed Securities, Issued by Private Enterprises [Member]
Amortized cost	9,299	2,913
Gross unrealized gains	0	30
Gross unrealized losses	(867)	0
Fair value	8,432	2,943
Securities available for sale (at fair value)	8,432	2,943
Mortgage-related Securities [Member]
Amortized cost	172,226	122,589
Gross unrealized gains	3	1,075
Gross unrealized losses	(21,832)	(1,931)
Fair value	150,397	121,733
Securities available for sale (at fair value)	150,397	121,733
US Government-sponsored Enterprises Debt Securities [Member]
Amortized cost	2,500	2,500
Gross unrealized gains	0	0
Gross unrealized losses	(258)	(52)
Fair value	2,242	2,448
Securities available for sale (at fair value)	2,242	2,448
US States and Political Subdivisions Debt Securities [Member]
Amortized cost	35,358	42,295
Gross unrealized gains	95	1,206
Gross unrealized losses	(1,995)	(7)
Fair value	33,458	43,494
Securities available for sale (at fair value)	33,458	43,494
Other Debt Obligations [Member]
Amortized cost	12,500	12,500
Gross unrealized gains	0	41
Gross unrealized losses	(1,354)	(1,200)
Fair value	11,146	11,341
Securities available for sale (at fair value)	11,146	11,341
Debt Securities [Member]
Amortized cost	50,358	57,295
Debt [Member]
Gross unrealized gains	95	1,247
Gross unrealized losses	(3,607)	(1,259)
Fair value	46,846	57,283
Securities available for sale (at fair value)	46,846	$ 57,283
Other Securities [Member]
Amortized cost	55
Gross unrealized gains	0
Gross unrealized losses	0
Fair value	55
Securities available for sale (at fair value)	$ 55

Note 2 - Securities Available_5

Note 2 - Securities Available for Sale - Amortized Cost and Fair Value of Investment Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Due within one year, amortized cost	$ 5,310
Due within one year, fair value	5,288
Due after one year through five years, amortized cost	19,301
Due after one year through five years, fair value	18,934
Due after five years through ten years, amortized cost	18,622
Due after five years through ten years, fair value	16,971
Due after ten years, amortized cost	7,125
Due after ten years, fair value	5,653
Amortized cost	222,639	$ 179,884
Fair value	197,298	179,016
Mortgage-related Securities [Member]
Without single date securities	172,226
Without single date securities, fair value	150,397
Amortized cost	172,226	122,589
Fair value	150,397	$ 121,733
Other Securities [Member]
Without single date securities	55
Without single date securities, fair value	55
Amortized cost	55
Fair value	$ 55

Note 2 - Securities Available_6

Note 2 - Securities Available for Sale - Gross Unrealized Losses and Fair Value of Securities Available for Sale in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Fair value, less than 12 months	$ 128,188	$ 74,215
Unrealized loss, less than 12 months	(11,922)	(1,749)
Fair value, 12 months or longer	60,154	15,127
Unrealized loss, 12 months or longer	(13,517)	(1,441)
Total fair value	188,342	89,342
Total unrealized loss	(25,439)	(3,190)
Collateralized Mortgage-Backed Securities [Member]
Fair value, less than 12 months	8,903	4,042
Unrealized loss, less than 12 months	(672)	(101)
Fair value, 12 months or longer	4,634	1,956
Unrealized loss, 12 months or longer	(1,149)	(86)
Total fair value	13,537	5,998
Total unrealized loss	(1,821)	(187)
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair value, less than 12 months	81,831	66,254
Unrealized loss, less than 12 months	(8,188)	(1,589)
Fair value, 12 months or longer	46,217	4,371
Unrealized loss, 12 months or longer	(10,956)	(155)
Total fair value	128,048	70,625
Total unrealized loss	(19,144)	(1,744)
Mortgage-Backed Securities, Issued by Private Enterprises [Member]
Fair value, less than 12 months	7,288	2,448
Unrealized loss, less than 12 months	(867)	(52)
Fair value, 12 months or longer	0	0
Unrealized loss, 12 months or longer	0	0
Total fair value	7,288	2,448
Total unrealized loss	(867)	(52)
US Government-sponsored Enterprises Debt Securities [Member]
Fair value, less than 12 months	2,242
Unrealized loss, less than 12 months	(258)
Fair value, 12 months or longer	0
Unrealized loss, 12 months or longer	0
Total fair value	2,242
Total unrealized loss	(258)
US States and Political Subdivisions Debt Securities [Member]
Fair value, less than 12 months	25,578	1,471
Unrealized loss, less than 12 months	(1,783)	(7)
Fair value, 12 months or longer	503	0
Unrealized loss, 12 months or longer	(212)	0
Total fair value	26,081	1,471
Total unrealized loss	(1,995)	(7)
Other Debt Obligations [Member]
Fair value, less than 12 months	2,346	0
Unrealized loss, less than 12 months	(154)	0
Fair value, 12 months or longer	8,800	8,800
Unrealized loss, 12 months or longer	(1,200)	(1,200)
Total fair value	11,146	8,800
Total unrealized loss	$ (1,354)	$ (1,200)

Note 3 - Loans Receivable (Deta

Note 3 - Loans Receivable (Details Textual)		3 Months Ended		9 Months Ended		12 Months Ended
		Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)	Mar. 31, 2022 USD ($)	Mar. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Financing Receivable, before Allowance for Credit Loss, Total		$ 1,354,465,000		$ 1,354,465,000		$ 1,205,785,000
Loans and Leases Receivable, Related Parties, Ending Balance		2,600,000		2,600,000		2,500,000
Loans and Leases Receivable, Related Parties, Past Due or Impaired		0		0		0
Financing Receivable, Nonaccrual		5,075,000		5,075,000		5,574,000
Financing Receivable, Allowance for Credit Loss, Ending Balance		17,452,000	$ 16,790,000	$ 17,452,000	$ 16,790,000	$ 15,778,000	$ 17,271,000	$ 17,410,000	$ 18,823,000
Period of Time Sales of Real Estate Owned Fair Value is Based (Year)				2 years
Minimum Amount of Potential Loan Exposure to be Reviewed by Credit Management Personnel		$ 1,000,000		$ 1,000,000
Minimum Number of Consecutive Contractual Payments Received Prior to Consideration for a Return to Accrual Status		6		6
Financing Receivable, Modifications, Number of Contracts		0		5	2	7
Financing Receivable, Troubled Debt Restructuring		$ 1,623,000		$ 1,623,000		$ 3,989,000
Financing Receivable, Troubled Debt Restructuring, Postmodification			$ 754,000
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts		0	0	0	0
Unfunded Loan Commitment [Member]
Financing Receivable, Allowance for Credit Loss, Ending Balance		$ 1,000,000		$ 1,000,000
One to Four Family [Member]
Financing Receivable, Modifications, Number of Contracts				2	3
Financing Receivable, Troubled Debt Restructuring		424,000	$ 1,300,000	$ 424,000	$ 1,300,000
One to Four Family [Member] | Residential Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		361,943,000		361,943,000		300,523,000
Financing Receivable, Nonaccrual		5,018,000		5,018,000		5,420,000
Financing Receivable, Allowance for Credit Loss, Ending Balance		4,496,000	$ 3,924,000	$ 4,496,000	$ 3,924,000	$ 3,963,000	$ 4,629,000	$ 4,025,000	$ 5,459,000
Financing Receivable, Modifications, Number of Contracts				5		5
Financing Receivable, Troubled Debt Restructuring		1,623,000		$ 1,623,000		$ 1,670,000
Mortgage Loans in Process of Foreclosure, Amount		1,300,000		1,300,000		1,400,000
Financial Asset, 1 to 59 Days Past Due [Member]
Financing Receivable, before Allowance for Credit Loss, Total	[1]	2,572,000		2,572,000		643,000
Financing Receivable, Nonaccrual		74,000		74,000		43,000
Financial Asset, 1 to 59 Days Past Due [Member] | One to Four Family [Member] | Residential Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total	[1]	2,035,000		2,035,000		622,000
Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, before Allowance for Credit Loss, Total	[2]	359,000		359,000		2,051,000
Financing Receivable, Nonaccrual		8,000		8,000		347,000
Financial Asset, 60 to 89 Days Past Due [Member] | One to Four Family [Member] | Residential Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total	[2]	245,000		245,000		2,028,000
Financial Asset, Not Past Due [Member]
Financing Receivable, before Allowance for Credit Loss, Total	[3]	1,347,938,000		1,347,938,000		1,198,723,000
Financing Receivable, Nonaccrual		1,400,000		1,400,000		816,000,000
Financial Asset, Not Past Due [Member] | One to Four Family [Member] | Residential Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total	[3]	356,090,000		356,090,000		293,659,000
Federal Home Loan Bank of Chicago [Member]
Federal Home Loan Bank, Advance, Total		300,000,000		300,000,000		475,000,000
Asset Pledged as Collateral [Member] | Federal Home Loan Bank Advances [Member]
Financing Receivable, before Allowance for Credit Loss, Total		$ 893,600,000		$ 893,600,000		$ 886,700,000
[1]Includes $600,000 and $43,000 at March 31, 2022 and December 31, 2021, respectively, which are on non-accrual status.[2]Includes $ - and $347,000 at March 31, 2022 and December 31, 2021, respectively, which are on non-accrual status.[3]Includes $666,000 and $816,000 at March 31, 2022 and December 31, 2021, respectively, which are on non-accrual status.

Note 3 - Loans Receivable - Sum

Note 3 - Loans Receivable - Summary of Loans Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Loans receivable	$ 1,354,465	$ 1,205,785
Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	361,943	300,523
Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable	621,560	537,956
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	11,020	11,012
Construction and Land Portfolio Segment [Member]
Loans receivable	61,125	82,588
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	278,864	250,676
Consumer Portfolio Segment [Member]
Loans receivable	757	732
Commercial Portfolio Segment [Member]
Loans receivable	$ 19,196	$ 22,298

Note 3 - Loans Receivable - Ana

Note 3 - Loans Receivable - Analysis of Past Due Loans (Details) - USD ($) $ in Thousands		Sep. 30, 2022	Dec. 31, 2021
Loans receivable		$ 1,354,465	$ 1,205,785
Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	2,572	643
Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	359	2,051
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		3,596	4,368
Financial Asset, Past Due [Member]
Loans receivable		6,527	7,062
Financial Asset, Not Past Due [Member]
Loans receivable	[3]	1,347,938	1,198,723
Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable		361,943	300,523
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	2,035	622
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	245	2,028
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		3,573	4,214
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, Past Due [Member]
Loans receivable		5,853	6,864
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	356,090	293,659
Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable		621,560	537,956
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	0	0
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	0	0
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		0	128
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Asset, Past Due [Member]
Loans receivable		0	128
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	621,560	537,828
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable		11,020	11,012
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	180	14
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	18	23
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		23	26
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, Past Due [Member]
Loans receivable		221	63
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	10,799	10,949
Construction and Land Portfolio Segment [Member]
Loans receivable		61,125	82,588
Construction and Land Portfolio Segment [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	0	0
Construction and Land Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	0	0
Construction and Land Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		0	0
Construction and Land Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans receivable		0	0
Construction and Land Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	61,125	82,588
Commercial Real Estate Portfolio Segment [Member]
Loans receivable		278,864	250,676
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	96	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		0	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans receivable		96	0
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	278,768	250,676
Consumer Portfolio Segment [Member]
Loans receivable		757	732
Consumer Portfolio Segment [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	0	0
Consumer Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		0	0
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans receivable		0	0
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	757	732
Commercial Portfolio Segment [Member]
Loans receivable		19,196	22,298
Commercial Portfolio Segment [Member] | Financial Asset, 1 to 59 Days Past Due [Member]
Loans receivable	[1]	357	7
Commercial Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	[2]	0	0
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable		0	0
Commercial Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans receivable		357	7
Commercial Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans receivable	[3]	$ 18,839	$ 22,291
[1]Includes $600,000 and $43,000 at March 31, 2022 and December 31, 2021, respectively, which are on non-accrual status.[2]Includes $ - and $347,000 at March 31, 2022 and December 31, 2021, respectively, which are on non-accrual status.[3]Includes $666,000 and $816,000 at March 31, 2022 and December 31, 2021, respectively, which are on non-accrual status.

Note 3 - Loans Receivable - Act

Note 3 - Loans Receivable - Activity in Allowance for Credit Losses (Details) - USD ($) $ in Thousands	6 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Balance at beginning of period	$ 17,271	$ 17,410	$ 15,778	$ 18,823
Provision (credit) for credit losses - loans	360	(700)	700	(2,520)
Charge-offs	(196)	(99)	(266)	(138)
Recoveries	17	179	810	625
Balance at end of period	17,452	16,790	17,452	16,790
Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period			430
Residential Portfolio Segment [Member] | One to Four Family [Member]
Balance at beginning of period	4,629	4,025	3,963	5,459
Provision (credit) for credit losses - loans	44	(207)	644	(1,952)
Charge-offs	(189)	(66)	(254)	(105)
Recoveries	12	172	55	522
Balance at end of period	4,496	3,924	4,496	3,924
Residential Portfolio Segment [Member] | One to Four Family [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period			88
Residential Portfolio Segment [Member] | Multifamily [Member]
Balance at beginning of period	7,391	6,028	5,398	5,600
Provision (credit) for credit losses - loans	171	307	1,338	700
Charge-offs	0	0	0	0
Recoveries	1	1	727	36
Balance at end of period	7,563	6,336	7,563	6,336
Residential Portfolio Segment [Member] | Multifamily [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period			100
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Balance at beginning of period	163	156	89	194
Provision (credit) for credit losses - loans	23	(59)	29	(105)
Charge-offs	0	0	0	0
Recoveries	4	4	14	12
Balance at end of period	190	101	190	101
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period			58
Construction and Land Portfolio Segment [Member]
Balance at beginning of period	1,690	1,319	1,386	1,755
Provision (credit) for credit losses - loans	(179)	(24)	(763)	(511)
Charge-offs	0	(13)	0	(13)
Recoveries	0	1	2	52
Balance at end of period	1,511	1,283	1,511	1,283
Construction and Land Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period			886
Commercial Real Estate Portfolio Segment [Member]
Balance at beginning of period	3,160	5,184	4,482	5,138
Provision (credit) for credit losses - loans	277	(490)	(417)	(446)
Charge-offs	0	(10)	0	(10)
Recoveries	0	1	12	3
Balance at end of period	3,437	4,685	3,437	4,685
Commercial Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period			(640)
Consumer Portfolio Segment [Member]
Balance at beginning of period	42	34	33	35
Provision (credit) for credit losses - loans	12	10	19	9
Charge-offs	(7)	(10)	(12)	(10)
Recoveries	0	0	0	0
Balance at end of period	47	34	47	34
Consumer Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period			7
Commercial Portfolio Segment [Member]
Balance at beginning of period	196	664	427	642
Provision (credit) for credit losses - loans	12	(237)	(150)	(215)
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Balance at end of period	$ 208	$ 427	208	$ 427
Commercial Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at beginning of period			$ (69)

Note 3 - Loans Receivable - Com

Note 3 - Loans Receivable - Components of Provision for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Provision (credit) for credit losses - loans			$ 360	$ (700)	$ 700	$ (2,520)
Investment securities, provision for credit losses			0	0	0	0
Total, provision for credit losses	$ 332	$ (700)	332	(700)	304	(2,520)
Unfunded Loan Commitment [Member]
Provision (credit) for credit losses - loans			$ (28)	$ 0	$ (396)	$ 0

Note 3 - Loans Receivable - Col

Note 3 - Loans Receivable - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Allowance at end of period	$ 17,452	$ 17,271	$ 15,778	$ 16,790	$ 17,410	$ 18,823
Loans receivable	1,354,465		1,205,785
Collateral Dependent Loans [Member]
Allowance at end of period	0
Loans receivable	8,813
Pooled Loans [Member]
Allowance at end of period	17,452
Loans receivable	1,345,652
Residential Portfolio Segment [Member] | One to Four Family [Member]
Allowance at end of period	4,496	4,629	3,963	3,924	4,025	5,459
Loans receivable	361,943		300,523
Residential Portfolio Segment [Member] | One to Four Family [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0
Loans receivable	3,297
Residential Portfolio Segment [Member] | One to Four Family [Member] | Pooled Loans [Member]
Allowance at end of period	4,496
Loans receivable	358,646
Residential Portfolio Segment [Member] | Multifamily [Member]
Allowance at end of period	7,563	7,391	5,398	6,336	6,028	5,600
Loans receivable	621,560		537,956
Residential Portfolio Segment [Member] | Multifamily [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0
Loans receivable	0
Residential Portfolio Segment [Member] | Multifamily [Member] | Pooled Loans [Member]
Allowance at end of period	7,563
Loans receivable	621,560
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Allowance at end of period	190	163	89	101	156	194
Loans receivable	11,020		11,012
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0
Loans receivable	23
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Pooled Loans [Member]
Allowance at end of period	190
Loans receivable	10,997
Construction and Land Portfolio Segment [Member]
Allowance at end of period	1,511	1,690	1,386	1,283	1,319	1,755
Loans receivable	61,125		82,588
Construction and Land Portfolio Segment [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0
Loans receivable	0
Construction and Land Portfolio Segment [Member] | Pooled Loans [Member]
Allowance at end of period	1,511
Loans receivable	61,125
Commercial Real Estate Portfolio Segment [Member]
Allowance at end of period	3,437	3,160	4,482	4,685	5,184	5,138
Loans receivable	278,864		250,676
Commercial Real Estate Portfolio Segment [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0
Loans receivable	5,493
Commercial Real Estate Portfolio Segment [Member] | Pooled Loans [Member]
Allowance at end of period	3,437
Loans receivable	273,371
Consumer Portfolio Segment [Member]
Allowance at end of period	47	42	33	34	34	35
Loans receivable	757		732
Consumer Portfolio Segment [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0
Loans receivable	0
Consumer Portfolio Segment [Member] | Pooled Loans [Member]
Allowance at end of period	47
Loans receivable	757
Commercial Portfolio Segment [Member]
Allowance at end of period	208	$ 196	427	$ 427	$ 664	$ 642
Loans receivable	19,196		$ 22,298
Commercial Portfolio Segment [Member] | Collateral Dependent Loans [Member]
Allowance at end of period	0
Loans receivable	0
Commercial Portfolio Segment [Member] | Pooled Loans [Member]
Allowance at end of period	208
Loans receivable	$ 19,196

Note 3 - Loans Receivable - S_2

Note 3 - Loans Receivable - Summary of Allowance for Loan Loss Evaluated Collectively and Individually (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Allowance related to loans individually evaluated for impairment			$ 0
Allowance related to loans collectively evaluated for impairment			15,778
Financing Receivable, Allowance for Credit Loss, Ending Balance	$ 17,452	$ 17,271	15,778	$ 16,790	$ 17,410	$ 18,823
Loans individually evaluated for impairment			7,893
Loans collectively evaluated for impairment			1,197,892
Financing Receivable, before Allowance for Credit Loss, Total	1,354,465		1,205,785
Residential Portfolio Segment [Member] | One to Four Family [Member]
Allowance related to loans individually evaluated for impairment			0
Allowance related to loans collectively evaluated for impairment			3,963
Financing Receivable, Allowance for Credit Loss, Ending Balance	4,496	4,629	3,963	3,924	4,025	5,459
Loans individually evaluated for impairment			5,420
Loans collectively evaluated for impairment			295,103
Financing Receivable, before Allowance for Credit Loss, Total	361,943		300,523
Residential Portfolio Segment [Member] | Multifamily [Member]
Allowance related to loans individually evaluated for impairment			0
Allowance related to loans collectively evaluated for impairment			5,398
Financing Receivable, Allowance for Credit Loss, Ending Balance	7,563	7,391	5,398	6,336	6,028	5,600
Loans individually evaluated for impairment			128
Loans collectively evaluated for impairment			537,828
Financing Receivable, before Allowance for Credit Loss, Total	621,560		537,956
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Allowance related to loans individually evaluated for impairment			0
Allowance related to loans collectively evaluated for impairment			89
Financing Receivable, Allowance for Credit Loss, Ending Balance	190	163	89	101	156	194
Loans individually evaluated for impairment			26
Loans collectively evaluated for impairment			10,986
Financing Receivable, before Allowance for Credit Loss, Total	11,020		11,012
Construction and Land Portfolio Segment [Member]
Allowance related to loans individually evaluated for impairment			0
Allowance related to loans collectively evaluated for impairment			1,386
Financing Receivable, Allowance for Credit Loss, Ending Balance	1,511	1,690	1,386	1,283	1,319	1,755
Loans individually evaluated for impairment			0
Loans collectively evaluated for impairment			82,588
Financing Receivable, before Allowance for Credit Loss, Total	61,125		82,588
Commercial Real Estate Portfolio Segment [Member]
Allowance related to loans individually evaluated for impairment			0
Allowance related to loans collectively evaluated for impairment			4,482
Financing Receivable, Allowance for Credit Loss, Ending Balance	3,437	3,160	4,482	4,685	5,184	5,138
Loans individually evaluated for impairment			1,222
Loans collectively evaluated for impairment			249,454
Financing Receivable, before Allowance for Credit Loss, Total	278,864		250,676
Consumer Portfolio Segment [Member]
Allowance related to loans individually evaluated for impairment			0
Allowance related to loans collectively evaluated for impairment			33
Financing Receivable, Allowance for Credit Loss, Ending Balance	47	42	33	34	34	35
Loans individually evaluated for impairment			0
Loans collectively evaluated for impairment			732
Financing Receivable, before Allowance for Credit Loss, Total	757		732
Commercial Portfolio Segment [Member]
Allowance related to loans individually evaluated for impairment			0
Allowance related to loans collectively evaluated for impairment			427
Financing Receivable, Allowance for Credit Loss, Ending Balance	208	$ 196	427	$ 427	$ 664	$ 642
Loans individually evaluated for impairment			1,097
Loans collectively evaluated for impairment			21,201
Financing Receivable, before Allowance for Credit Loss, Total	$ 19,196		$ 22,298

Note 3 - Loans Receivable - Cre

Note 3 - Loans Receivable - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Loans receivable	$ 1,354,465	$ 1,205,785
Financing Receivable, Year One, Originated, Current Fiscal Year	404,418
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	293,349
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	245,861
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	120,771
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	78,027
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	195,768
Financing Receivable, Revolving	16,271
Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	361,943	300,523
Financing Receivable, Year One, Originated, Current Fiscal Year	129,625
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	42,342
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	47,329
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	27,341
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	25,062
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	88,760
Financing Receivable, Revolving	1,484
Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable	621,560	537,956
Financing Receivable, Year One, Originated, Current Fiscal Year	189,817
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	146,650
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	141,230
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	45,809
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	22,850
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	74,407
Financing Receivable, Revolving	797
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	11,020	11,012
Financing Receivable, Year One, Originated, Current Fiscal Year	311
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	203
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	848
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	122
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	176
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	170
Financing Receivable, Revolving	9,190
Construction and Land Portfolio Segment [Member]
Loans receivable	61,125	82,588
Financing Receivable, Year One, Originated, Current Fiscal Year	3,174
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	47,877
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	2,350
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	7,497
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	124
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	103
Financing Receivable, Revolving	0
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	278,864	250,676
Financing Receivable, Year One, Originated, Current Fiscal Year	77,437
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	54,920
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	50,793
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	39,721
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	28,850
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	26,484
Financing Receivable, Revolving	659
Consumer Portfolio Segment [Member]
Loans receivable	757	732
Financing Receivable, Year One, Originated, Current Fiscal Year	38
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	719
Commercial Portfolio Segment [Member]
Loans receivable	19,196	22,298
Financing Receivable, Year One, Originated, Current Fiscal Year	4,016
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	1,357
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	3,311
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	281
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	965
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	5,844
Financing Receivable, Revolving	3,422
Substandard [Member]
Loans receivable	10,568	13,498
Substandard [Member] | Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	5,018	5,420
Financing Receivable, Year One, Originated, Current Fiscal Year	759
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	1,428
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	529
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	2,302
Financing Receivable, Revolving	0
Substandard [Member] | Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable	0	128
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Substandard [Member] | Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	57	26
Financing Receivable, Year One, Originated, Current Fiscal Year	57
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Substandard [Member] | Construction and Land Portfolio Segment [Member]
Loans receivable	0	0
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Substandard [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	5,493	6,827
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	5,493
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Substandard [Member] | Consumer Portfolio Segment [Member]
Loans receivable	0	0
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Substandard [Member] | Commercial Portfolio Segment [Member]
Loans receivable	0	1,097
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Pass [Member]
Loans receivable	1,327,233	1,171,037
Pass [Member] | Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	351,869	287,166
Financing Receivable, Year One, Originated, Current Fiscal Year	124,694
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	40,914
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	47,329
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	26,812
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	25,062
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	85,574
Financing Receivable, Revolving	1,484
Pass [Member] | Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable	621,367	537,828
Financing Receivable, Year One, Originated, Current Fiscal Year	189,817
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	146,650
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	141,230
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	45,809
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	22,850
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	74,214
Financing Receivable, Revolving	797
Pass [Member] | Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	10,842	10,949
Financing Receivable, Year One, Originated, Current Fiscal Year	254
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	82
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	848
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	122
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	176
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	170
Financing Receivable, Revolving	9,190
Pass [Member] | Construction and Land Portfolio Segment [Member]
Loans receivable	58,877	78,376
Financing Receivable, Year One, Originated, Current Fiscal Year	3,174
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	47,877
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	2,350
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	5,249
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	124
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	103
Financing Receivable, Revolving	0
Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	268,243	237,979
Financing Receivable, Year One, Originated, Current Fiscal Year	75,939
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	54,920
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	50,697
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	37,469
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	22,075
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	26,484
Financing Receivable, Revolving	659
Pass [Member] | Consumer Portfolio Segment [Member]
Loans receivable	757	732
Financing Receivable, Year One, Originated, Current Fiscal Year	38
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	719
Pass [Member] | Commercial Portfolio Segment [Member]
Loans receivable	15,278	18,007
Financing Receivable, Year One, Originated, Current Fiscal Year	2,176
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	1,357
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	1,332
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	281
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	965
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	5,745
Financing Receivable, Revolving	3,422
Watch [Member]
Loans receivable	16,664	21,250
Watch [Member] | Residential Portfolio Segment [Member] | One to Four Family [Member]
Loans receivable	5,056	7,937
Financing Receivable, Year One, Originated, Current Fiscal Year	4,172
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	884
Financing Receivable, Revolving	0
Watch [Member] | Residential Portfolio Segment [Member] | Multifamily [Member]
Loans receivable	193	0
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	193
Financing Receivable, Revolving	0
Watch [Member] | Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	121	37
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	121
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Watch [Member] | Construction and Land Portfolio Segment [Member]
Loans receivable	2,248	4,212
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	2,248
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Watch [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	5,128	5,870
Financing Receivable, Year One, Originated, Current Fiscal Year	1,498
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	96
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	2,252
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	1,282
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Watch [Member] | Consumer Portfolio Segment [Member]
Loans receivable	0	0
Financing Receivable, Year One, Originated, Current Fiscal Year	0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	0
Financing Receivable, Revolving	0
Watch [Member] | Commercial Portfolio Segment [Member]
Loans receivable	3,918	$ 3,194
Financing Receivable, Year One, Originated, Current Fiscal Year	1,840
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year	0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year	1,979
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year	0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year	0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year	99
Financing Receivable, Revolving	$ 0

Note 3 - Loans Receivable - Imp

Note 3 - Loans Receivable - Impaired Loans (Details) - Financial Asset with Credit Deterioration [Member] - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Dec. 31, 2021
Reserve		$ 0
Cumulative Charge-offs		30
Recorded investment, no reserve		7,893
Unpaid Principal, no reserve		7,923
Recorded investment		7,893
Unpaid Principal		7,923
Average Recorded Investment, with reserve	$ 7,894
Interest Paid, with reserve	161
Average Recorded Investment, no reserve	7,894
Interest Paid, no reserve	161
Financial Receivable Impaired with no Reserve [Member]
Cumulative Charge-offs		30
Residential Portfolio Segment [Member] | One to Four Family [Member]
Recorded investment, with reserve		0
Unpaid Principal, with reserve		0
Reserve		0
Cumulative Charge-offs		30
Recorded investment, no reserve		5,420
Unpaid Principal, no reserve		5,450
Recorded investment		5,420
Unpaid Principal		5,450
Average Recorded Investment, with reserve	0
Interest Paid, with reserve	0
Average Recorded Investment, no reserve	5,109
Interest Paid, no reserve	105
Average Recorded Investment	5,109
Interest Paid	105
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Receiable Impaired with Reserve [Member]
Cumulative Charge-offs		0
Residential Portfolio Segment [Member] | One to Four Family [Member] | Financial Receivable Impaired with no Reserve [Member]
Cumulative Charge-offs		30
Residential Portfolio Segment [Member] | Multifamily [Member]
Recorded investment, with reserve		0
Unpaid Principal, with reserve		0
Reserve		0
Cumulative Charge-offs		0
Recorded investment, no reserve		128
Unpaid Principal, no reserve		128
Recorded investment		128
Unpaid Principal		128
Average Recorded Investment, with reserve	0
Interest Paid, with reserve	0
Average Recorded Investment, no reserve	315
Interest Paid, no reserve	1
Average Recorded Investment	315
Interest Paid	1
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Receiable Impaired with Reserve [Member]
Cumulative Charge-offs		0
Residential Portfolio Segment [Member] | Multifamily [Member] | Financial Receivable Impaired with no Reserve [Member]
Cumulative Charge-offs		0
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Recorded investment, with reserve		0
Unpaid Principal, with reserve		0
Reserve		0
Cumulative Charge-offs		0
Recorded investment, no reserve		26
Unpaid Principal, no reserve		26
Recorded investment		26
Unpaid Principal		26
Average Recorded Investment, with reserve	0
Interest Paid, with reserve	0
Average Recorded Investment, no reserve	79
Interest Paid, no reserve	2
Average Recorded Investment	79
Interest Paid	2
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Receiable Impaired with Reserve [Member]
Cumulative Charge-offs		0
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financial Receivable Impaired with no Reserve [Member]
Cumulative Charge-offs		0
Construction and Land Portfolio Segment [Member]
Recorded investment, with reserve		0
Unpaid Principal, with reserve		0
Reserve		0
Cumulative Charge-offs		0
Recorded investment, no reserve		0
Unpaid Principal, no reserve		0
Recorded investment		0
Unpaid Principal		0
Average Recorded Investment, with reserve	0
Interest Paid, with reserve	0
Average Recorded Investment, no reserve	43
Interest Paid, no reserve	0
Average Recorded Investment	43
Interest Paid	0
Construction and Land Portfolio Segment [Member] | Financial Receiable Impaired with Reserve [Member]
Cumulative Charge-offs		0
Construction and Land Portfolio Segment [Member] | Financial Receivable Impaired with no Reserve [Member]
Cumulative Charge-offs		0
Commercial Real Estate Portfolio Segment [Member]
Recorded investment, with reserve		0
Unpaid Principal, with reserve		0
Reserve		0
Cumulative Charge-offs		0
Recorded investment, no reserve		1,222
Unpaid Principal, no reserve		1,222
Recorded investment		1,222
Unpaid Principal		1,222
Average Recorded Investment, with reserve	0
Interest Paid, with reserve	0
Average Recorded Investment, no reserve	1,251
Interest Paid, no reserve	28
Average Recorded Investment	1,251
Interest Paid	28
Commercial Real Estate Portfolio Segment [Member] | Financial Receiable Impaired with Reserve [Member]
Cumulative Charge-offs		0
Commercial Real Estate Portfolio Segment [Member] | Financial Receivable Impaired with no Reserve [Member]
Cumulative Charge-offs		0
Consumer Portfolio Segment [Member]
Recorded investment, with reserve		0
Unpaid Principal, with reserve		0
Reserve		0
Cumulative Charge-offs		0
Recorded investment, no reserve		0
Unpaid Principal, no reserve		0
Recorded investment		0
Unpaid Principal		0
Average Recorded Investment, with reserve	0
Interest Paid, with reserve	0
Average Recorded Investment, no reserve	0
Interest Paid, no reserve	0
Average Recorded Investment	0
Interest Paid	0
Consumer Portfolio Segment [Member] | Financial Receiable Impaired with Reserve [Member]
Cumulative Charge-offs		0
Consumer Portfolio Segment [Member] | Financial Receivable Impaired with no Reserve [Member]
Cumulative Charge-offs		0
Commercial Portfolio Segment [Member]
Recorded investment, with reserve		0
Unpaid Principal, with reserve		0
Reserve		0
Cumulative Charge-offs		0
Recorded investment, no reserve		1,097
Unpaid Principal, no reserve		1,097
Recorded investment		1,097
Unpaid Principal		1,097
Average Recorded Investment, with reserve	0
Interest Paid, with reserve	0
Average Recorded Investment, no reserve	1,097
Interest Paid, no reserve	25
Average Recorded Investment	1,097
Interest Paid	$ 25
Commercial Portfolio Segment [Member] | Financial Receiable Impaired with Reserve [Member]
Cumulative Charge-offs		0
Commercial Portfolio Segment [Member] | Financial Receivable Impaired with no Reserve [Member]
Cumulative Charge-offs		$ 0

Note 3 - Loans Receivable - Tro

Note 3 - Loans Receivable - Trouble Debt Restructurings (Details)	3 Months Ended	9 Months Ended		12 Months Ended
	Sep. 30, 2022 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
Amount	$ 1,623,000	$ 1,623,000		$ 3,989,000
Number	0	5	2	7
Interest Reduction and Principal Forbearance [Member]
Amount	$ 405,000	$ 405,000		$ 388,000
Number		2		2
Contractual Interest Rate Reduction [Member]
Amount	20,000	$ 20,000		$ 24,000
Number		1		1
Principal Forgiveness [Member]
Amount	1,198,000	$ 1,198,000		$ 3,577,000
Number		2		4
Accruing [Member]
Amount				$ 2,319,000
Number				2
Performing Financial Instruments [Member]
Amount	1,282,000	$ 1,282,000		$ 3,989,000
Number		4		7
Performing Financial Instruments [Member] | Interest Reduction and Principal Forbearance [Member]
Amount	64,000	$ 64,000		$ 388,000
Number		1		2
Performing Financial Instruments [Member] | Contractual Interest Rate Reduction [Member]
Amount	20,000	$ 20,000		$ 24,000
Number		1		1
Performing Financial Instruments [Member] | Principal Forgiveness [Member]
Amount	1,198,000	$ 1,198,000		$ 3,577,000
Number		2		4
Non Accruing [Member]
Amount				$ 1,670,000
Number				5
Nonperforming Financial Instruments [Member]
Amount	341,000	$ 341,000		$ 0
Number		1		0
Nonperforming Financial Instruments [Member] | Interest Reduction and Principal Forbearance [Member]
Amount	341,000	$ 341,000		$ 0
Number		1		0
Nonperforming Financial Instruments [Member] | Contractual Interest Rate Reduction [Member]
Amount	0	$ 0		$ 0
Number		0		0
Nonperforming Financial Instruments [Member] | Principal Forgiveness [Member]
Amount	0	$ 0		$ 0
Number		0		0
One to Four Family [Member]
Amount	424,000	$ 424,000	$ 1,300,000
Number		2	3
Residential Portfolio Segment [Member] | One to Four Family [Member]
Amount	1,623,000	$ 1,623,000		$ 1,670,000
Number		5		5
Residential Portfolio Segment [Member] | One to Four Family [Member] | Accruing [Member]
Amount	0	$ 0		$ 0
Number		0		0
Residential Portfolio Segment [Member] | One to Four Family [Member] | Non Accruing [Member]
Amount	$ 1,623,000	$ 1,623,000		$ 1,670,000
Number		5		5
Commercial Real Estate Portfolio Segment [Member]
Amount				$ 1,222,000
Number				1
Commercial Real Estate Portfolio Segment [Member] | Accruing [Member]
Amount				$ 1,222,000
Number				1
Commercial Real Estate Portfolio Segment [Member] | Non Accruing [Member]
Amount				$ 0
Number				0
Commercial Portfolio Segment [Member]
Amount				$ 1,097,000
Number				1
Commercial Portfolio Segment [Member] | Accruing [Member]
Amount				$ 1,097,000
Number				1
Commercial Portfolio Segment [Member] | Non Accruing [Member]
Amount				$ 0
Number				0

Note 3 - Loans Receivable - Non

Note 3 - Loans Receivable - Non-accrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Non-accrual loans	$ 5,075	$ 5,574
Total non-accrual loans to total loans receivable	0.37%	0.46%
Total non-accrual loans to total assets	0.26%	0.25%
Residential Portfolio Segment [Member] | One to Four Family [Member]
Non-accrual loans	$ 5,018	$ 5,420
Residential Portfolio Segment [Member] | Multifamily [Member]
Non-accrual loans	0	128
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Non-accrual loans	57	26
Construction and Land Portfolio Segment [Member]
Non-accrual loans	0	0
Commercial Real Estate Portfolio Segment [Member]
Non-accrual loans	0	0
Commercial Portfolio Segment [Member]
Non-accrual loans	0	0
Consumer Portfolio Segment [Member]
Non-accrual loans	$ 0	$ 0

Note 4 - Mortgage Servicing R_3

Note 4 - Mortgage Servicing Rights (Details Textual) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Fees and Commissions, Mortgage Banking and Servicing	$ 26,064	$ 46,547	$ 83,749	$ 150,587
Proceeds from Sale of Loans Held-for-sale, Total			2,309,369	3,442,624
Unpaid Principal Balance of Loans Serviced for Others	378,700		378,700		$ 204,800
Servicing Asset at Amortized Cost, Fair Value	$ 4,700		4,700		$ 1,800
Proceeds from Sale of Mortgage Servicing Rights (MSR)		0	0	12,400
Mortgage Servicing Rights, Underlying Financing Receivable		1,240,000		1,240,000
Mortgage Servicing Rights, Underlying Financing Receivable, Book Value		$ 9,300		9,300
Gain (Loss) on Sales of Mortgage-Backed Securities (MBS)				4,000
Loans Held for Sale [Member]
Fees and Commissions, Mortgage Banking and Servicing				$ 150,600
Residential Portfolio Segment [Member] | One to Four Family [Member]
Financial Receivable Originated for Sale			2,120,000
Fees and Commissions, Mortgage Banking and Servicing			$ 83,700

Note 4 - Mortgage Servicing R_4

Note 4 - Mortgage Servicing Rights - Mortgage Servicing Rights (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Mortgage servicing rights at beginning of the period	$ 1,555	$ 5,977
Additions	2,030	5,301
Amortization	(437)	(1,701)
Sales	0	(8,416)
Mortgage servicing rights at end of the period	3,148	1,161
Valuation allowance recovered during the period	7	0
Mortgage servicing rights at end of the period, net	$ 3,155	$ 1,161

Note 4 - Mortgage Servicing R_5

Note 4 - Mortgage Servicing Rights - Future Amortization Expenses (Details) $ in Thousands	Sep. 30, 2022 USD ($)
2022	$ 132
2023	550
2024	426
2025	397
2026	350
Thereafter	1,300
Total	$ 3,155

Note 5 - Deposits (Details Text

Note 5 - Deposits (Details Textual) - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021	Sep. 30, 2021
Deposit Liability, Uninsured	$ 318.4	$ 314.2
Related Party Deposit Liabilities		$ 27.4	$ 20

Note 5 - Deposits - Maturities

Note 5 - Deposits - Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Within one year	$ 498,311
More than one to two years	88,460
More than two to three years	4,999
More than three to four years	793
More than four through five years	1,118
Time Deposits, Total	$ 593,681	$ 626,663

Note 6 - Borrowings (Details Te

Note 6 - Borrowings (Details Textual) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 15,800	$ 24,400
Residential Portfolio Segment [Member] | One to Four Family [Member]
Federal Home Loan Bank Advances, Maximum Percentage of Loan Carrying Value	80%
Residential Portfolio Segment [Member] | Multifamily [Member]
Federal Home Loan Bank Advances, Maximum Percentage of Loan Carrying Value	75%
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Federal Home Loan Bank Advances, Maximum Percentage of Loan Carrying Value	64%
Federal Home Loan Bank of Chicago [Member]
Short-Term Debt, Total	$ 50,000	5,000
Federal Home Loan Bank of Chicago [Member] | Short-Term Advance [Member]
Federal Home Loan Bank, Advance, Maturity, Remainder of Fiscal Year	$ 50,000
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	2.53%
Federal Home Loan Bank of Chicago [Member] | Long-Term Debt Maturing 2025 [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	3.50%
Federal Home Loan Bank, Advance, Maturity, Year Three	$ 50,000
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2027 [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	1.73%
Federal Home Loan Bank, Advance, Maturity, Year Five	$ 50,000
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028 [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	2.57%
Federal Home Loan Bank, Advance, Maturity, Year Six	$ 50,000
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2029 [Member]
Federal Home Loan Bank, Advance, Maturity, Year Seven	$ 100,000
Federal Home Loan Bank of Chicago [Member] | Advance with FHLB Quarterly Call Option in May 2022 [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	1.98%
Federal Home Loan Bank, Advance, Maturity, Year Seven	$ 50,000
Federal Home Loan Bank of Chicago [Member] | Advance with FHLB Quarterly Call Option in August 2022 [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	1.75%
Federal Home Loan Bank, Advance, Maturity, Year Seven	$ 50,000
Repurchase Agreements [Member]
Line of Credit Facility, Maximum Borrowing Capacity	75,000
Short-Term Debt, Total	$ 19,951	$ 2,127

Note 6 - Borrowings -Borrowing

Note 6 - Borrowings -Borrowing (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Borrowings	$ 319,951	$ 477,127
Federal Home Loan Bank of Chicago [Member]
Short term balance	$ 50,000	$ 5,000
Short term balance, weighted average rate	2.53%	0%
Borrowings	$ 319,951	$ 477,127
Debt, weighted average rate	2.57%	2.02%
Federal Home Loan Bank of Chicago [Member] | Long-Term Debt Maturing 2025 [Member]
Borrowings	$ 50,000	$ 0
Long-term debt, weighted average rate	3.50%	0%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2027 [Member]
Borrowings	$ 50,000	$ 50,000
Long-term debt, weighted average rate	1.73%	1.73%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2028 [Member]
Borrowings	$ 50,000	$ 255,000
Long-term debt, weighted average rate	2.57%	2.37%
Federal Home Loan Bank of Chicago [Member] | Long Term Debt Maturing 2029 [Member]
Borrowings	$ 100,000	$ 165,000
Long-term debt, weighted average rate	1.87%	1.61%
Repurchase Agreements [Member]
Short term balance	$ 19,951	$ 2,127
Short term balance, weighted average rate	5.88%	3%

Note 7 - Regulatory Capital - A

Note 7 - Regulatory Capital - Actual and Required Capital Amount and Ratio (Details) $ in Thousands	Sep. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Consolidated Waterstone Financial Inc [Member]
Total capital (to risk-weighted assets)	$ 411,947	$ 448,818
Total capital (to risk-weighted assets) Ratio	0.2545	0.2901
Total capital (to risk-weighted assets), For Capital Adequacy Purposes	$ 129,504	$ 123,766
Total capital (to risk-weighted assets), For Capital Adequacy Ratio	0.0800	0.0800
Total capital (to risk-weighted assets), Minimum Capital Adequacy with Capital Buffer	$ 169,974	$ 162,443
Total capital (to risk-weighted assets), Minimum Capital Adequacy with Capital Buffer Ratio	10.50%	10.50%
Tier I capital (to risk-weighted assets)	$ 394,495	$ 433,040
Tier I capital (to risk-weighted assets) Ratio	0.2437	0.2799
Tier I capital (to risk-weighted assets), For Capital Adequacy Purposes	$ 97,128	$ 92,825
Tier I capital (to risk-weighted assets), For Capital Adequacy Ratio	0.0600	0.0600
Tier I capital (to risk weighted assets), Minimum Capital Adequacy with Capital Buffer	$ 137,598	$ 131,502
Tier I capital (to risk weighted assets), Minimum Capital Adequacy with Capital Buffer Ratio	8.50%	8.50%
Common Equity Tier 1 Capital (to risk-weighted assets)	$ 394,495	$ 433,040
Common Equity Tier 1 capital (to risk-weighted assets) Ratio	0.2437	0.2799
Common Equity Tier I capital (to risk weighted assets), For Capital Adequacy Purposes	$ 72,846	$ 69,619
Common Equity Tier I capital (to risk-weighted), For Capital Adequacy Ratio	0.0450	0.0450
Common Equity Tier I capital (to risk weighted assets) Minimum Capital Adequacy with Capital Buffer	$ 113,316	$ 108,296
Common Equity Tier I capital (to risk weighted), Minimum Capital Adequacy with Capital Buffer Ratio	7%	7%
Tier I capital (to average assets)	$ 394,495	$ 433,040
Tier I capital (to average assets) Ratio	0.2032	0.1929
Tier I capital (to average assets), For Capital Adequacy Purposes	$ 77,645	$ 89,774
Tier I capital (to average assets), For Capital Adequacy Ratio	0.0400	0.0400
Subsidiaries [Member]
Total capital (to risk-weighted assets)	$ 360,964	$ 394,540
Total capital (to risk-weighted assets) Ratio	0.2230	0.2552
Total capital (to risk-weighted assets), For Capital Adequacy Purposes	$ 129,504	$ 123,695
Total capital (to risk-weighted assets), For Capital Adequacy Ratio	0.0800	0.0800
Total capital (to risk-weighted assets), Minimum Capital Adequacy with Capital Buffer	$ 169,974	$ 162,350
Total capital (to risk-weighted assets), Minimum Capital Adequacy with Capital Buffer Ratio	10.50%	10.50%
Total capital (to risk-weighted assets), To Be Well-Capitalized Under Prompt Corrective Action Provisions	$ 161,880	$ 154,619
Total capital (to risk-weighted assets), To Be Well-Capitalized Under Prompt Corrective Action Provisions Ratio	0.1000	0.1000
Tier I capital (to risk-weighted assets)	$ 343,512	$ 378,762
Tier I capital (to risk-weighted assets) Ratio	0.2122	0.2450
Tier I capital (to risk-weighted assets), For Capital Adequacy Purposes	$ 97,128	$ 92,771
Tier I capital (to risk-weighted assets), For Capital Adequacy Ratio	0.0600	0.0600
Tier I capital (to risk weighted assets), Minimum Capital Adequacy with Capital Buffer	$ 137,598	$ 131,426
Tier I capital (to risk weighted assets), Minimum Capital Adequacy with Capital Buffer Ratio	8.50%	8.50%
Tier I capital (to risk-weighted assets), To Be Well-Capitalized Under Prompt Corrective Action Provisions	$ 129,504	$ 123,695
Tier I capital (to risk-weighted assets), To Be Well-Capitalized Under Prompt Corrective Action Provisions Ratio	0.0800	0.0800
Common Equity Tier 1 Capital (to risk-weighted assets)	$ 343,512	$ 378,762
Common Equity Tier 1 capital (to risk-weighted assets) Ratio	0.2122	0.2450
Common Equity Tier I capital (to risk weighted assets), For Capital Adequacy Purposes	$ 72,846	$ 69,579
Common Equity Tier I capital (to risk-weighted), For Capital Adequacy Ratio	0.0450	0.0450
Common Equity Tier I capital (to risk weighted assets) Minimum Capital Adequacy with Capital Buffer	$ 113,316	$ 108,233
Common Equity Tier I capital (to risk weighted), Minimum Capital Adequacy with Capital Buffer Ratio	7%	7%
Common Equity Tier I capital (to risk-weighted assets), To Be Well-Capitalized Under Prompt Corrective Action Provisions	$ 105,222	$ 100,502
Common Equity Tier I capital (to risk-weighted) , To Be Well-Capitalized Under Prompt Corrective Action Provisions Ratio	0.0650	0.0650
Tier I capital (to average assets)	$ 343,512	$ 378,762
Tier I capital (to average assets) Ratio	0.1770	0.1688
Tier I capital (to average assets), For Capital Adequacy Purposes	$ 77,645	$ 89,774
Tier I capital (to average assets), For Capital Adequacy Ratio	0.0400	0.0400
Amount of minimum Tier 1 leverage capital categorized as well capitalized as defined by regulatory framework for prompt corrective action.	$ 97,057	$ 112,218
Tier I capital (to average assets), To Be Well-Capitalized Under Prompt Corrective Action Provisions Ratio	0.0500	0.0500
State of Wisconsin (to total assets)	$ 343,512	$ 378,762
State of Wisconsin (to total assets) Ratio	17.45%	17.14%
State of Wisconsin (to total assets), For Capital Adequacy Purposes	$ 118,143	$ 132,572
State of Wisconsin (to total assets), For Capital Adequacy Ratio	6%	6%

Note 8 - Commitments, Off-Bal_3

Note 8 - Commitments, Off-Balance Sheet Arrangements, and Contingent Liabilities (Details Textual) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Loss Contingency, Estimate of Possible Loss		$ 0
Estimated Litigation Liability	$ 2,000	$ 2,100
Maximum [Member]
Period Of Commitments For Loans Extended To Customers (Day)	90 days
Period Of Home Equity Loans Available To The Borrower (Year)	10 years
Period of Construction Loans Available To The Borrower (Year)	1 year

Note 8 - Commitments, Off-Bal_4

Note 8 - Commitments, Off-Balance Sheet Arrangements, and Contingent Liabilities (Details) - USD ($) $ in Thousands		Sep. 30, 2022	Dec. 31, 2021
Commitments To Extend Credit Under Amortizing Loans [Member]
Off-balance sheet risks liability amount	[1]	$ 57,800	$ 48,686
Commitments To Extend Credit Under Home Equity Lines Of Credit [Member]
Off-balance sheet risks liability amount	[2]	10,952	11,990
Unused Portion of Construction Loans [Member]
Off-balance sheet risks liability amount	[3]	36,201	50,303
Unused lines of Credit [Member]
Off-balance sheet risks liability amount		17,318	17,916
Standby Letters of Credit [Member]
Off-balance sheet risks liability amount		$ 1,691	$ 1,379
[1]Commitments for loans are extended to customers for up to 90 days after which they expire. Excludes commitments to originate loans held for sale, which are discussed in the following footnote.[2]Unused portions of home equity loans are available to the borrower for up to 10 years.[3]Unused portions of construction loans are available to the borrower for up to one year.

Note 9 - Derivative Financial_3

Note 9 - Derivative Financial Instruments (Details Textual) - Interest Rate Swap [Member] Pure in Thousands, $ in Thousands	Sep. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Number Of Back To Back Swaps In Default	0	0
Derivative Liability, Fair Value, Gross Asset and Right to Reclaim Cash, Offset, Total	$ 0	$ 0
Derivative Liability, Fair Value of Collateral	$ 0	$ 1,900

Note 9 - Derivative Financial_4

Note 9 - Derivative Financial Instruments - Interest Rate Swaps (Details) - Not Designated as Hedging Instrument [Member] - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Forward Contracts [Member]
Derivatives notional amount	$ 497	$ 571.5
Forward Contracts [Member] | Other Assets [Member]
Derivatives Assets, fair value	12.4	1.3
Forward Contracts [Member] | Other Liabilities [Member]
Derivatives liabilities, fair value	10.9	0
Interest Rate Lock Commitments [Member]
Derivatives notional amount	379.4	345.2
Interest Rate Lock Commitments [Member] | Other Assets [Member]
Derivatives Assets, fair value	1.5	3.1
Interest Rate Lock Commitments [Member] | Other Liabilities [Member]
Derivatives liabilities, fair value	0	0
Interest Rate Swaption [Member]
Derivatives notional amount	103.4	105.2
Interest Rate Swaption [Member] | Other Assets [Member]
Derivatives Assets, fair value	16.3	1.6
Interest Rate Swaption [Member] | Other Liabilities [Member]
Derivatives liabilities, fair value	$ 16.3	$ 1.6

Note 10 - Earnings Per Share (D

Note 10 - Earnings Per Share (Details Textual) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	158,000	45,000	127,000	50,000

Note 10 - Earnings Per Share _2

Note 10 - Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Net income	$ 5,270	$ 19,000	$ 18,552	$ 58,238
Basic (in shares)	21,342	23,785	22,193	23,790
Effect of dilutive potential common shares (in shares)	112	175	130	197
Diluted weighted average shares outstanding (in shares)	21,454	23,960	22,323	23,987
Basic (in dollars per share)	$ 0.25	$ 0.80	$ 0.84	$ 2.45
Diluted (in dollars per share)	$ 0.25	$ 0.79	$ 0.83	$ 2.43

Note 11 - Fair Value Measurem_3

Note 11 - Fair Value Measurements (Details Textual) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Fair Value, Transfers into (out of) Levels 1, 2 and 3, Amount	$ 0	$ 0

Note 11 - Fair Value Measurem_4

Note 11 - Fair Value Measurements - Fair Value of Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Securities available for sale (at fair value)	$ 197,298	$ 179,016
Fair Value, Inputs, Level 1 [Member]
Other securities	0
Fair Value, Inputs, Level 2 [Member]
Other securities	55
Fair Value, Inputs, Level 3 [Member]
Other securities	0
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale (at fair value)	13,917	19,488
Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member]
Securities available for sale (at fair value)	128,048	99,302
US Government-sponsored Enterprises Debt Securities [Member]
Securities available for sale (at fair value)	2,242	2,448
US States and Political Subdivisions Debt Securities [Member]
Securities available for sale (at fair value)	33,458	43,494
Other Debt Obligations [Member]
Securities available for sale (at fair value)	11,146	11,341
Fair Value, Recurring [Member]
Other securities	55
Loans held for sale	186,049	312,738
Fair Value, Recurring [Member] | Mortgage Banking [Member]
Derivatives Assets, fair value	13,868	4,369
Derivatives liabilities, fair value	10,949	0
Fair Value, Recurring [Member] | Interest Rate Swap [Member]
Derivatives Assets, fair value	16,328	1,578
Derivatives liabilities, fair value	16,328	1,578
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Loans held for sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Mortgage Banking [Member]
Derivatives Assets, fair value	0	0
Derivatives liabilities, fair value	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Interest Rate Swap [Member]
Derivatives Assets, fair value	0	0
Derivatives liabilities, fair value	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Loans held for sale	186,049	312,738
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage Banking [Member]
Derivatives Assets, fair value	0	0
Derivatives liabilities, fair value	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Swap [Member]
Derivatives Assets, fair value	16,328	1,578
Derivatives liabilities, fair value	16,328	1,578
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Loans held for sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Mortgage Banking [Member]
Derivatives Assets, fair value	13,868	4,369
Derivatives liabilities, fair value	10,949	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Interest Rate Swap [Member]
Derivatives Assets, fair value	0	0
Derivatives liabilities, fair value	0	0
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member]
Securities available for sale (at fair value)	13,917	19,488
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale (at fair value)	0	0
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale (at fair value)	13,917	19,488
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale (at fair value)	0	0
Fair Value, Recurring [Member] | Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member]
Securities available for sale (at fair value)	128,048	99,302
Fair Value, Recurring [Member] | Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale (at fair value)	0	0
Fair Value, Recurring [Member] | Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale (at fair value)	128,048	99,302
Fair Value, Recurring [Member] | Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale (at fair value)	0	0
Fair Value, Recurring [Member] | Private Equity Funds [Member]
Securities available for sale (at fair value)	8,432	2,943
Fair Value, Recurring [Member] | Private Equity Funds [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale (at fair value)	0	0
Fair Value, Recurring [Member] | Private Equity Funds [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale (at fair value)	8,432	2,943
Fair Value, Recurring [Member] | Private Equity Funds [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale (at fair value)	0	0
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Securities available for sale (at fair value)	2,242	2,448
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale (at fair value)	0	0
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale (at fair value)	2,242	2,448
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale (at fair value)	0	0
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities available for sale (at fair value)	33,458	43,494
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale (at fair value)	0	0
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale (at fair value)	33,458	43,494
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale (at fair value)	0	0
Fair Value, Recurring [Member] | Other Debt Obligations [Member]
Securities available for sale (at fair value)	11,146	11,341
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale (at fair value)	0	0
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale (at fair value)	11,146	11,341
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale (at fair value)	$ 0	$ 0

Note 11 - Fair Value Measurem_5

Note 11 - Fair Value Measurements -Reconciliation for All Assets Measured at Fair Value Using Significant Unobservable Inputs (Details) - Mortgage Derivative [Member] - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Mortgage derivative, net balance at the beginning of the period	$ (143)	$ 7,489	$ 4,369	$ 5,917
Mortgage derivative gain (loss), net	3,062	(683)	(1,450)	889
Mortgage derivative, net balance at the end of the period	$ 2,919	$ 6,806	$ 2,919	$ 6,806

Note 11 - Fair Value Measurem_6

Note 11 - Fair Value Measurements - Assets Recorded at Fair Value on Non-recurring Basis (Details) - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Real estate owned	$ 148	$ 148
Impaired mortgage servicing rights		0
Fair Value, Inputs, Level 1 [Member]
Real estate owned	0	0
Impaired mortgage servicing rights		0
Fair Value, Inputs, Level 2 [Member]
Real estate owned	0	0
Impaired mortgage servicing rights		0
Fair Value, Inputs, Level 3 [Member]
Real estate owned	$ 148	148
Impaired mortgage servicing rights		$ 0

Note 11 - Fair Value Measurem_7

Note 11 - Fair Value Measurements - Fair Value of Assets Measured on Recurring Basis, Unobservable Input Reconciliation (Details) $ in Thousands	Sep. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Valuation Technique, Pricing Model [Member]
Impaired mortgage servicing rights		$ 0
Measurement Input, Discount Rate [Member] | Valuation Technique, Pricing Model [Member] | Minimum [Member]
Mortgage servicing rights, measurement input		0
Measurement Input, Discount Rate [Member] | Valuation Technique, Pricing Model [Member] | Maximum [Member]
Mortgage servicing rights, measurement input		12
Measurement Input, Discount Rate [Member] | Valuation Technique, Pricing Model [Member] | Weighted Average [Member]
Mortgage servicing rights, measurement input		10.2
Measurement Input, Discount Rate [Member] | Valuation, Market Approach [Member]
Real estate owned	$ 148	$ 148
Measurement Input, Discount Rate [Member] | Valuation, Market Approach [Member] | Minimum [Member]
Real estate owned measurement input	34.8	34.8
Measurement Input, Discount Rate [Member] | Valuation, Market Approach [Member] | Maximum [Member]
Real estate owned measurement input	34.8	34.8
Measurement Input, Discount Rate [Member] | Valuation, Market Approach [Member] | Weighted Average [Member]
Real estate owned measurement input	34.8	34.8
Measurement Input, Prepayment Rate [Member] | Valuation Technique, Pricing Model [Member] | Minimum [Member]
Mortgage servicing rights, measurement input		9.8
Measurement Input, Prepayment Rate [Member] | Valuation Technique, Pricing Model [Member] | Maximum [Member]
Mortgage servicing rights, measurement input		43.4
Measurement Input, Prepayment Rate [Member] | Valuation Technique, Pricing Model [Member] | Weighted Average [Member]
Mortgage servicing rights, measurement input		11.8
Measurement Input, Cost to Service [Member] | Valuation Technique, Pricing Model [Member] | Minimum [Member]
Mortgage servicing rights, measurement input		84.06
Measurement Input, Cost to Service [Member] | Valuation Technique, Pricing Model [Member] | Maximum [Member]
Mortgage servicing rights, measurement input		839.53
Measurement Input, Cost to Service [Member] | Valuation Technique, Pricing Model [Member] | Weighted Average [Member]
Mortgage servicing rights, measurement input		108.37
Mortgage Derivative [Member] | Pull Through Rate [Member] | Valuation Technique, Pricing Model [Member]
Mortgage banking derivatives, fair value	$ 2,919	$ 4,369
Mortgage Derivative [Member] | Pull Through Rate [Member] | Valuation Technique, Pricing Model [Member] | Minimum [Member]
Mortgage banking derivatives, measurement input	12.5	26
Mortgage Derivative [Member] | Pull Through Rate [Member] | Valuation Technique, Pricing Model [Member] | Maximum [Member]
Mortgage banking derivatives, measurement input	99.7	99.8
Mortgage Derivative [Member] | Pull Through Rate [Member] | Valuation Technique, Pricing Model [Member] | Weighted Average [Member]
Mortgage banking derivatives, measurement input	90	88.2

Note 11 - Fair Value Measurem_8

Note 11 - Fair Value Measurements - Carrying Amount and Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Servicing Asset at Amortized Cost, Fair Value	$ 4,700	$ 1,800
Advance payments by borrowers for taxes	24,084	4,094
Reported Value Measurement [Member]
Cash and cash equivalents	72,941	376,722
Loans receivable	1,354,465	1,205,785
FHLB stock	15,750	24,438
Accrued interest receivable	4,920	4,013
Servicing Asset at Amortized Cost, Fair Value	3,155	1,555
Deposits	1,187,128	1,233,386
Advance payments by borrowers for taxes	24,084	4,094
Borrowings	319,951	477,127
Accrued interest payable	841	959
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	72,941	376,722
Loans receivable	1,297,581	1,210,854
FHLB stock	15,750	24,438
Accrued interest receivable	4,920	4,013
Servicing Asset at Amortized Cost, Fair Value	4,724	1,808
Deposits	1,185,598	1,233,478
Advance payments by borrowers for taxes	24,084	4,094
Borrowings	307,758	499,120
Accrued interest payable	841	959
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	72,941	376,722
Loans receivable	0	0
FHLB stock	0	0
Accrued interest receivable	4,920	4,013
Servicing Asset at Amortized Cost, Fair Value	0	0
Deposits	593,447	606,723
Advance payments by borrowers for taxes	24,084	4,094
Borrowings	0	0
Accrued interest payable	841	959
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and cash equivalents	0	0
Loans receivable	0	0
FHLB stock	15,750	24,438
Accrued interest receivable	0	0
Servicing Asset at Amortized Cost, Fair Value	0	0
Deposits	592,151	626,755
Advance payments by borrowers for taxes	0	0
Borrowings	307,758	499,120
Accrued interest payable	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and cash equivalents	0	0
Loans receivable	1,297,581	1,210,854
FHLB stock	0	0
Accrued interest receivable	0	0
Servicing Asset at Amortized Cost, Fair Value	4,724	1,808
Deposits	0	0
Advance payments by borrowers for taxes	0	0
Borrowings	0	0
Accrued interest payable	$ 0	$ 0

Note 12 - Segment Reporting (De

Note 12 - Segment Reporting (Details Textual)	9 Months Ended
	Sep. 30, 2022
Number of Operating Segments	2
Number of States The Company Can Lend, State	48

Note 12 - Segment Reporting - M

Note 12 - Segment Reporting - Mortgage Banking (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Net interest income (expense)	$ 15,398	$ 14,114			$ 41,343	$ 42,343
Provision (credit) for credit losses	332	(700)	$ 332	$ (700)	304	(2,520)
Net interest income (expense) after provision for credit losses	15,066	14,814			41,039	44,863
Noninterest income:	27,404	52,936			88,460	161,179
Compensation, payroll taxes, and other employee benefits	26,174	34,229			77,502	102,278
Occupancy, office furniture, and equipment	2,296	2,488			6,540	7,346
Advertising	1,137	835			3,004	2,570
Data processing	1,084	986			3,430	2,871
Communications	302	331			900	988
Professional fees	393				1,203	804
Real estate owned	1	1			6	(11)
Loan processing expense	1,120	1,135			3,685	3,670
Other	3,187	2,768			9,408	9,104
Total noninterest expenses	35,694	43,323			105,678	129,620
Income (loss) before income taxes (benefit)	6,776	24,427			23,821	76,422
Income tax expense	1,506	5,427			5,269	18,184
Net income	5,270	19,000			18,552	58,238
Total Assets	1,975,051	2,234,111	1,975,051	2,234,111	1,975,051	2,234,111	$ 2,215,858
Provision (credit) for credit losses	332	(700)	332	(700)	304	(2,520)
Net interest income after provision (credit) for credit losses	15,066	14,814			41,039	44,863
Professional fees	393	550			1,203	804
Community Banking [Member]
Net interest income (expense)	15,507	14,090			40,869	42,854
Provision (credit) for credit losses	234	(750)			53	(2,600)
Net interest income (expense) after provision for credit losses	15,273	14,840			40,816	45,454
Noninterest income:	1,116	1,726			4,188	4,599
Compensation, payroll taxes, and other employee benefits	4,424	5,360			14,232	15,209
Occupancy, office furniture, and equipment	955	909			2,768	2,821
Advertising	213	233			684	702
Data processing	539	531			1,678	1,508
Communications	108	122			265	327
Professional fees	123				355	522
Real estate owned	1	1			6	(11)
Loan processing expense	0	0			0	0
Other	1,477	422			3,083	1,323
Total noninterest expenses	7,840	7,708			23,071	22,401
Income (loss) before income taxes (benefit)	8,549	8,858			21,933	27,652
Income tax expense	1,983	2,092			4,808	6,006
Net income	6,566	6,766			17,125	21,646
Total Assets	1,904,785	2,184,200	1,904,785	2,184,200	1,904,785	2,184,200
Provision (credit) for credit losses	234	(750)			53	(2,600)
Net interest income after provision (credit) for credit losses	15,273	14,840			40,816	45,454
Professional fees		130
Mortgage Banking Segment [Member]
Net interest income (expense)	(155)	(2)			398	(603)
Provision (credit) for credit losses	98	50			251	80
Net interest income (expense) after provision for credit losses	(253)	(52)			147	(683)
Noninterest income:	27,305	51,290			86,035	156,881
Compensation, payroll taxes, and other employee benefits	21,864	28,981			63,613	87,413
Occupancy, office furniture, and equipment	1,341	1,579			3,772	4,525
Advertising	924	602			2,320	1,868
Data processing	543	450			1,744	1,347
Communications	194	209			635	661
Professional fees	265				825	258
Real estate owned	0	0			0	0
Loan processing expense	1,120	1,135			3,685	3,670
Other	2,571	2,270			7,613	7,629
Total noninterest expenses	28,822	35,647			84,207	107,371
Income (loss) before income taxes (benefit)	(1,770)	15,591			1,975	48,827
Income tax expense	(470)	3,341			485	12,198
Net income	(1,300)	12,250			1,490	36,629
Total Assets	250,301	381,177	250,301	381,177	250,301	381,177
Provision (credit) for credit losses	98	50			251	80
Net interest income after provision (credit) for credit losses	(253)	(52)			147	(683)
Professional fees		421
Holding Community and Other [Member]
Net interest income (expense)	46	26			76	92
Provision (credit) for credit losses	0	0			0	0
Net interest income (expense) after provision for credit losses	46	26			76	92
Noninterest income:	(1,017)	(80)			(1,763)	(301)
Compensation, payroll taxes, and other employee benefits	(114)	(112)			(343)	(344)
Occupancy, office furniture, and equipment	0	0			0	0
Advertising	0	0			0	0
Data processing	2	5			8	16
Communications	0	0			0	0
Professional fees	5				23	24
Real estate owned	0	0			0	0
Loan processing expense	0	0			0	0
Other	(861)	76			(1,288)	152
Total noninterest expenses	(968)	(32)			(1,600)	(152)
Income (loss) before income taxes (benefit)	(3)	(22)			(87)	(57)
Income tax expense	(7)	(6)			(24)	(20)
Net income	4	(16)			(63)	(37)
Total Assets	(180,035)	(331,266)	$ (180,035)	$ (331,266)	(180,035)	(331,266)
Provision (credit) for credit losses	0	0			0	0
Net interest income after provision (credit) for credit losses	$ 46	26			$ 76	$ 92
Professional fees		$ (1)