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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">UNITED STATES</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">SECURITIES AND EXCHANGE COMMISSION</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">WASHINGTON, D.C. 20549</div>

    <div><br />
    </div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 14pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_250c2255888f45d3a27f92f59f2ced5b" contextRef="c20210128to20210128">8-K</ix:nonNumeric></div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">CURRENT REPORT</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</div>

    <div><br />
    </div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Date of Report (Date of earliest event reported):&#160; <span style="text-decoration: underline;"><ix:nonNumeric name="dei:DocumentPeriodEndDate" id="Fact_d35bbb09fe884348ac6ac8b38a5f1092" contextRef="c20210128to20210128" format="ixt:datemonthdayyearen">January 28, 2021</ix:nonNumeric></span></div>

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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>

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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(Exact name of Registrant as specified in its charter)</div>

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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(State or Other Jurisdiction</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(Commission File Number)</div>
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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><span style="text-decoration: underline;">Not Applicable</span></div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(Former Name or former address, if changed since last report)</div>

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    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Securities registered pursuant to Section 12(b) of the Act:</div>

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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Trading</div>
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Symbol</div>
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
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    <td style="width: 43.84%; vertical-align: bottom; border-bottom: #000000 2px solid;">
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
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    <td style="width: 14.82%; vertical-align: bottom;">
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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
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    <td style="width: 43.84%; vertical-align: bottom;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><ix:nonNumeric name="dei:SecurityExchangeName" id="Fact_ab18f23af85c496eb57d2a6bd551ac31" contextRef="c20210128to20210128" format="ixt-sec:exchnameen">The NASDAQ Stock Market LLC</ix:nonNumeric><br />
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    <div><br />
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    <td style="width: 100%; vertical-align: top;" colspan="2">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the
              following provisions:</div>
          </td>

  </tr>

  <tr>

    <td style="width: 100%; vertical-align: top;" colspan="2">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
          </td>

  </tr>

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    <td style="width: 5.64%; vertical-align: middle;">
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          </td>

    <td style="width: 94.36%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
          </td>

  </tr>

  <tr>

    <td style="width: 5.64%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
          </td>

    <td style="width: 94.36%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
          </td>

  </tr>

  <tr>

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    <td style="width: 94.36%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
          </td>

  </tr>

  <tr>

    <td style="width: 5.64%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
          </td>

    <td style="width: 94.36%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
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            </div>
          </td>

    <td style="width: 94.36%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act</div>
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(17 CFR 240.14d-2(b))</div>
          </td>

  </tr>

  <tr>

    <td style="width: 5.64%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
          </td>

    <td style="width: 94.36%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
          </td>

  </tr>

  <tr>

    <td style="width: 5.64%; vertical-align: middle;">
            <div style="text-align: center; font-family: 'Segoe UI Symbol', sans-serif; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="Fact_e08fb868fe6c49c8ae12aa57d765569b" contextRef="c20210128to20210128" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
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          </td>

    <td style="width: 94.36%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act</div>
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(17 CFR 240.13e-4(c))</div>
          </td>

  </tr>

  <tr>

    <td style="width: 5.64%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
          </td>

    <td style="width: 94.36%; vertical-align: middle;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or
      Rule 12b-2 of the Securities and Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</div>

    <div><br />
    </div>

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    <td style="width: 5.76%; vertical-align: top;">
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          </td>

    <td style="width: 94.24%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Emerging growth company</div>
          </td>

  </tr>

  <tr>

    <td style="width: 5.76%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
          </td>

    <td style="width: 94.24%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
          </td>

  </tr>

  <tr>

    <td style="width: 5.76%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Segoe UI Symbol', sans-serif; font-size: 10pt;">&#9744;</div>
          </td>

    <td style="width: 94.24%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any
              new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.</div>
          </td>

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</table>
    <div><br />
    </div>

    <div><br />
    </div>

    <div><br />
    </div>

    <div style="margin-top: 3pt; margin-bottom: 3pt;"><br />
    </div>

    <div style="text-align: left; margin-top: 3pt; margin-bottom: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; margin-top: 3pt; margin-bottom: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><br />
      <span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><br />
      </span>&#160;</div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="page-break-after: always;">
        <hr style="background-color: #ffffff; border-width: 0px; clear: both; color: #ffffff; height: 0px; margin: 4px 0px; width: 100%;" /></div>

    </div>

    <!--PROfilePageNumberReset%Num%2%-  %  -%-->
    <div style="text-align: left; margin-top: 3pt; margin-bottom: 3pt; font-family: Times, serif; font-size: 1pt;">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">Item 2.02 Results of Operations and Financial Condition.</div>

    <div><br />
    </div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">On January 28, 2021, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter and year ended December 31, 2020.&#160; A
      copy of the press release is being furnished to the Securities and Exchange Commission as Exhibit 99.1 attached to this report and incorporated by reference.</div>

    <div><br />
    </div>

    <div><br />
    </div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">Item 9.01 Financial Statements and Exhibits</div>

    <div><br />
    </div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(d) Exhibits</div>

    <div><br />
    </div>

    <div style="text-align: left;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><span style="text-decoration: underline;">Exhibit No.</span></span>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<span style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="text-decoration: underline;">Description</span></span></div>

    <div><br />
    </div>

    <div style="text-align: left; margin-bottom: 6pt;"><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">99.1</span>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Press release of
        Waterstone Financial, Inc. issued</span><a href="wsbf-20201217ex991.htm"><span style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">
          January 28, 2021</span></a> </div>

    <div style="margin-top: 3pt; margin-bottom: 3pt;"><br />
    </div>

    <div style="text-align: left; margin-top: 3pt; margin-bottom: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>

    <div style="margin-top: 3pt; margin-bottom: 3pt;"><br />
    </div>

    <div style="margin-top: 3pt; margin-bottom: 3pt;"><br />
    </div>

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    <div style="text-align: center; margin-top: 3pt; margin-bottom: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">SIGNATURES</div>

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    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned
      hereunto duly authorized.</div>

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            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">/s/ Mark R. Gerke<br />
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    <div style="text-align: left;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><span style="text-decoration: underline;">Exhibit No.</span></span>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<span style="font-weight: bold; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="text-decoration: underline;">Description</span></span></div>

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    <div style="text-align: left;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;99.1</span>&#160;&#160;&#160;&#160;&#160;&#160;&#160;<span style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab">&#160;</span><span style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab">&#160;</span><span style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab">&#160;</span>&#160; <span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Press
        release of Waterstone Financial, Inc. issued January 28, 2021.</span></div>

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{"company-data": {"conformed-name": "Waterstone Financial, Inc.", "cik": "0001569994", "assigned-sic": "6035", "irs-number": "000000000", "state-of-incorporation": "MD", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-36271", "film-number": "21564914"}, "business-address": {"street1": "11200 WEST PLANK COURT", "city": "WAUWATOSA", "state": "WI", "zip": "53226", "phone": "(414) 761-1000"}, "mail-address": {"street1": "11200 WEST PLANK COURT", "city": "WAUWATOSA", "state": "WI", "zip": "53226"}}
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM
8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported):
January 28, 2021
Waterstone Financial, Inc.
(Exact name of Registrant as specified in its charter)
Maryland
(State or Other Jurisdiction
of Incorporation)
001-36271
(Commission File Number)
90-1026709
(I.R.S. Employer Identification No.)
11200 West Plank Ct
,
Wauwatosa
,
Wisconsin
53226
(Address of principal executive offices)
(
414
)
761-1000
Registrant's telephone number, including area code
Not Applicable
(Former Name or former address, if changed since last report)
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading
Symbol
Name of each exchange on which registered
Common Stock, $0.01 Par Value
WSBF
The NASDAQ Stock Market LLC
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the
              following provisions:
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act
(17 CFR 240.14d-2(b))
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act
(17 CFR 240.13e-4(c))
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or
      Rule 12b-2 of the Securities and Exchange Act of 1934 (§240.12b-2 of this chapter).
☐
Emerging growth company
☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any
              new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
Item 2.02 Results of Operations and Financial Condition.
On January 28, 2021, Waterstone Financial, Inc. issued a press release announcing its financial results for the quarter and year ended December 31, 2020.  A
      copy of the press release is being furnished to the Securities and Exchange Commission as Exhibit 99.1 attached to this report and incorporated by reference.
Item 9.01 Financial Statements and Exhibits
(d) Exhibits
Exhibit No.
Description
99.1
Press release of
        Waterstone Financial, Inc. issued
January 28, 2021
- 2 -
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned
      hereunto duly authorized.
Waterstone Financial, Inc.
Date:  January 28, 2021
/s/ Mark R. Gerke
Name: Mark R. Gerke
Title: Chief Financial Officer
- 3 -
EXHIBIT INDEX
Exhibit No.
Description
99.1
Press
        release of Waterstone Financial, Inc. issued January 28, 2021.
- 4 -