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      <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">&#160;</div>
      <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">
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      <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">&#160;</div>
      <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">UNITED STATES</div>
      <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">SECURITIES AND EXCHANGE COMMISSION</div>
      <div style="font-family: ''Times New Roman'', Times, serif; font-weight: bold; text-align: center;">WASHINGTON, D.C. 20549</div>
      <div><br>
      </div>
      <div style="FONT-SIZE: 14pt; MARGIN-BOTTOM: 10pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">FORM 8-K</div>
      <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">CURRENT REPORT</div>
      <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</div>
      <div><br>
      </div>
      <div style="margin-bottom: 10pt; font-family: ''Times New Roman'', Times, serif; text-align: center;">Date of Report (Date of earliest event reported):&#160; <u>June 29, 2020</u></div>
      <div style="FONT-SIZE: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center"><u>WATERSTONE FINANCIAL, INC.</u></div>
      <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">(Exact name of Registrant as specified in its charter)</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="35877e04c0c34d8587156d0b924e39d6" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%">

          <tr>
            <td style="WIDTH: 34.27%; VERTICAL-ALIGN: top">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;"><u>Maryland</u></div>
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">(State or Other Jurisdiction</div>
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">of Incorporation)</div>
            </td>
            <td style="WIDTH: 32.4%; VERTICAL-ALIGN: top">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;"><u>001-36271</u></div>
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">(Commission File Number)</div>
            </td>
            <td style="WIDTH: 33.32%; VERTICAL-ALIGN: top">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;"><u>90-1026709</u></div>
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">(I.R.S. Employer Identification No.)</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;"><u>11200 W. Plank Ct, Wauwatosa, Wisconsin 53226</u></div>
      <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">(Address of principal executive offices)</div>
      <div><br>
      </div>
      <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;"><u>(414) 761-1000</u></div>
      <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">Registrant's telephone number, including area code</div>
      <div><br>
      </div>
      <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;"><u>Not Applicable</u></div>
      <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">(Former Name or former address, if changed since last report)</div>
      <div><br>
      </div>
      <div>
        <div> <br>
        </div>
        <div>Securities registered pursuant to Section 12(b) of the Act:</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 38%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-weight: bold;">Title of each class</div>
              </td>
              <td style="width: 1.67%; vertical-align: bottom;">&#160;</td>
              <td style="width: 14.83%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-weight: bold;">Trading</div>
                <div style="text-align: center; font-weight: bold;">Symbol</div>
              </td>
              <td style="width: 1.67%; vertical-align: bottom;">&#160;</td>
              <td style="width: 43.83%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-weight: bold;">Name of each exchange on which registered</div>
              </td>
            </tr>
            <tr>
              <td style="width: 38%; vertical-align: top;">
                <div style="text-align: center;">Common Stock, $0.01 Par Value</div>
              </td>
              <td style="width: 1.67%; vertical-align: bottom;">&#160;</td>
              <td style="width: 14.83%; vertical-align: bottom;">
                <div style="text-align: center;">WSBF</div>
              </td>
              <td style="width: 1.67%; vertical-align: bottom;">&#160;</td>
              <td style="width: 43.83%; vertical-align: bottom;">
                <div style="text-align: center;">The NASDAQ Stock Market, LLC</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div><br>
        </div>
      </div>
      <div style="MARGIN-BOTTOM: 10pt"><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="851dc21f62444d1e8e26ad4c96b9b391" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%">

          <tr>
            <td style="WIDTH: 100%; VERTICAL-ALIGN: top" colspan="2">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: left;">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="font-family: ''Times New Roman'', Times, serif; text-align: left;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="WIDTH: 5.64%; VERTICAL-ALIGN: middle">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">[ ]</div>
            </td>
            <td style="WIDTH: 94.36%; VERTICAL-ALIGN: top">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: left;">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="font-family: ''Times New Roman'', Times, serif; text-align: left;">&#160;</div>
            </td>
            <td style="WIDTH: 94.36%; VERTICAL-ALIGN: top">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: left;">&#160;</div>
            </td>
          </tr>
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            <td style="WIDTH: 5.64%; VERTICAL-ALIGN: middle">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">[ ]</div>
            </td>
            <td style="WIDTH: 94.36%; VERTICAL-ALIGN: top">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: left;">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="font-family: ''Times New Roman'', Times, serif; text-align: left;">&#160;</div>
            </td>
            <td style="WIDTH: 94.36%; VERTICAL-ALIGN: top">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: left;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="WIDTH: 5.64%; VERTICAL-ALIGN: middle">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">[ ]</div>
            </td>
            <td style="WIDTH: 94.36%; VERTICAL-ALIGN: top">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: left;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act</div>
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: left;">(17 CFR 240.14d-2(b))</div>
            </td>
          </tr>
          <tr>
            <td style="WIDTH: 5.64%; VERTICAL-ALIGN: top">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: left;">&#160;</div>
            </td>
            <td style="WIDTH: 94.36%; VERTICAL-ALIGN: top">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: left;">&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="WIDTH: 5.64%; VERTICAL-ALIGN: middle">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: center;">[ ]</div>
            </td>
            <td style="WIDTH: 94.36%; VERTICAL-ALIGN: top">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: left;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act</div>
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: left;">(17 CFR 240.13e-4(c))</div>
            </td>
          </tr>
          <tr>
            <td style="WIDTH: 5.64%; VERTICAL-ALIGN: top">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: left;">&#160;</div>
            </td>
            <td style="WIDTH: 94.36%; VERTICAL-ALIGN: top">
              <div style="font-family: ''Times New Roman'', Times, serif; text-align: left;">&#160;</div>
            </td>
          </tr>

      </table>
      <div style="MARGIN-BOTTOM: 10pt; TEXT-ALIGN: left"><br>
      </div>
      <div style="MARGIN-BOTTOM: 10pt; TEXT-ALIGN: left">&#160;
        <div>
          <div>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><font style="font-family: Wingdings;">&#168; </font>Emerging growth company</div>
          <div><br>
          </div>
          <div style="margin-left: 22.6pt; margin-right: 0.1pt; text-indent: -22.5pt;"><font style="font-family: Wingdings;">&#168; </font>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>
        </div>
      </div>
      <div style="MARGIN-BOTTOM: 10pt; TEXT-ALIGN: left">&#160;<br>
      </div>
      <div style="MARGIN-BOTTOM: 10pt; TEXT-ALIGN: left">&#160;</div>
      <div style="MARGIN-BOTTOM: 10pt; TEXT-ALIGN: left">&#160;</div>
      <div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; MARGIN-TOP: 10pt; CLEAR: both">
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    <div>&#160;</div>
    <div>
      <div style="TEXT-ALIGN: left">
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            <tr>
              <td style="font-family: ''Times New Roman'', Times, serif; width: 72pt; vertical-align: top; font-weight: bold; align: right;">Item 5.02</td>
              <td style="font-family: ''Times New Roman'', Times, serif; width: auto; vertical-align: top; font-weight: bold; text-align: left;">Departure of Directors or Certain officers; Election of Directors; Appointment of Certain Officers;
                Compensatory Arrangements of Certain <font style="font-family: 'Times New Roman', Times, serif; font-variant: normal; font-weight: bold; font-style: normal;">Officers</font></td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>
        <div style="text-align: left;">On June 29, 2020, Waterstone Financial, Inc. announced the resignation of Andy Peach as President and CEO of Waterstone Mortgage Corporation. &#160;Waterstone Mortgage Corporation is a wholly-owned subsidiary of WaterStone
          Bank SSB, which, in turn, is a wholly owned subsidiary of Waterstone Financial, Inc.&#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>
      <div style="MARGIN-BOTTOM: 12pt; TEXT-ALIGN: left; TEXT-INDENT: 36pt"><br>
        <div style="font-family: ''Times New Roman'', Times, serif; color: #000000; line-height: 12.55pt;">&#160;</div>
        <div style="font-family: ''Times New Roman'', Times, serif; color: #000000; line-height: 12.55pt;"><font style="font-weight: bold;">Item 9.01</font><font style="FONT-SIZE: 5.14pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-weight: bold;"><u>Financial



              Statements and Exhibits</u></font></div>
      </div>
      <div style="margin-bottom: 12pt; font-family: ''Times New Roman'', Times, serif; text-align: left; text-indent: 36pt;">(d)&#160; Exhibits</div>
      <div style="margin-bottom: 12pt; font-weight: bold; text-align: left; margin-left: 36pt;"><strong><u>Exhibit No.</u><font style="font-variant: normal; font-style: normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Times New Roman',Times,serif; font-variant: normal; font-style: normal;"><u>Description</u></font></strong></div>
      <div style="LINE-HEIGHT: 13.7pt"><font style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab">&#160;</font><font style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab">&#160;</font><font style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab">&#160;</font><font style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab">&#160;</font><a href="exhibit991.htm"><font style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab">&#160;</font>99.1&#160;</a>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; &#160; &#160; &#160; &#160;<a href="exhibit991.htm"> Press release of Waterstone Financial, Inc issued June 29, 2020.</a></div>
      <div style="margin-bottom: 12pt; font-family: ''Times New Roman'', Times, serif; text-align: left; text-indent: 36pt;">&#160;</div>
      <div style="margin-bottom: 12pt; font-family: ''Times New Roman'', Times, serif; text-align: left; text-indent: 36pt;">&#160;</div>
      <div style="margin-bottom: 12pt; font-family: ''Times New Roman'', Times, serif; text-align: left; text-indent: 36pt;">&#160;</div>
      <div style="margin-bottom: 12pt; font-family: ''Times New Roman'', Times, serif; text-align: left; text-indent: 36pt;">&#160;</div>
      <div style="margin-bottom: 12pt; font-family: ''Times New Roman'', Times, serif; text-align: left; text-indent: 36pt;">&#160;</div>
      <div style="margin-bottom: 12pt; font-family: ''Times New Roman'', Times, serif; text-align: left; text-indent: 36pt;">&#160;</div>
      <div style="margin-bottom: 12pt; font-family: ''Times New Roman'', Times, serif; text-align: left; text-indent: 36pt;">&#160;</div>
      <div style="margin-bottom: 12pt; font-family: ''Times New Roman'', Times, serif; text-align: left; text-indent: 36pt;">&#160;</div>
      <div style="margin-bottom: 12pt; font-family: ''Times New Roman'', Times, serif; text-align: left; text-indent: 36pt;">&#160;</div>
      <div style="margin-bottom: 12pt; font-family: ''Times New Roman'', Times, serif; text-align: left; text-indent: 36pt;">&#160;</div>
      <div style="margin-bottom: 12pt; font-family: ''Times New Roman'', Times, serif; text-align: left; text-indent: 36pt;">&#160;</div>
      <div style="margin-bottom: 12pt; font-family: ''Times New Roman'', Times, serif; text-align: left; text-indent: 36pt;">&#160;</div>
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    <div><br>
      <div><br>
        <div style="font-family: ''Times New Roman'', Times, serif; font-weight: bold; text-align: center;">SIGNATURES</div>
        <div><br>
        </div>
        <div style="font-family: ''Times New Roman'', Times, serif; text-align: left;">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>
        <div><br>
        </div>
        <div>
          <div style="font-family: 'Times New Roman';">&#160;</div>
          <div style="font-family: 'Times New Roman';">&#160;</div>
          <div>
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                    <div>&#160;</div>
                  </td>
                  <td style="font-family: 'Times New Roman'; width: 50%;">
                    <div>Waterstone Financial, Inc.</div>
                  </td>
                </tr>
                <tr>
                  <td style="font-family: 'Times New Roman'; width: 50%;">
                    <div>&#160;</div>
                  </td>
                  <td style="font-family: 'Times New Roman'; width: 50%;">
                    <div>&#160;</div>
                  </td>
                </tr>
                <tr>
                  <td style="font-family: 'Times New Roman'; width: 50%;">
                    <div>Date:&#160; June 29, 2020</div>
                  </td>
                  <td style="font-family: 'Times New Roman'; width: 50%;">
                    <div>&#160;</div>
                    <u style="FONT-STYLE: italic">/s/ William F. Bruss</u></td>
                </tr>
                <tr>
                  <td style="font-family: 'Times New Roman'; width: 50%;">
                    <div>&#160;</div>
                  </td>
                  <td style="font-family: 'Times New Roman'; width: 50%;">
                    <div>Name: William F. Bruss</div>
                  </td>
                </tr>
                <tr style="HEIGHT: 14px">
                  <td style="font-family: 'Times New Roman'; width: 50%;">
                    <div>&#160;</div>
                  </td>
                  <td style="font-family: 'Times New Roman'; width: 50%;">
                    <div>Title: Chief Operating Officer</div>
                  </td>
                </tr>
                <tr>
                  <td style="font-family: 'Times New Roman'; width: 50%;">
                    <div>&#160;</div>
                  </td>
                  <td style="font-family: 'Times New Roman'; width: 50%;">
                    <div>&#160;</div>
                  </td>
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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):
June 29, 2020
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 W. 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 5.02
Departure of Directors or Certain officers; Election of Directors; Appointment of Certain Officers;
                Compensatory Arrangements of Certain
Officers
On June 29, 2020, Waterstone Financial, Inc. announced the resignation of Andy Peach as President and CEO of Waterstone Mortgage Corporation.  Waterstone Mortgage Corporation is a wholly-owned subsidiary of WaterStone
          Bank SSB, which, in turn, is a wholly owned subsidiary of Waterstone Financial, Inc.  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 June 29, 2020.
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:  June 29, 2020
/s/ William F. Bruss
Name: William F. Bruss
Title: Chief Operating Officer