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  <div style="text-align: center;">UNITED STATES<br>
    SECURITIES AND EXCHANGE COMMISSION<br>
    WASHINGTON, D.C. 20549</div>
  <div style="text-align: center; margin-top: 12.6pt; margin-bottom: 6pt; font-size: 14pt; font-weight: bold;">Form 8-K</div>
  <div style="margin: 12.6pt 0px 0px; text-align: center;">CURRENT REPORT<br>
    Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</div>
  <div style="margin: 12.6pt 0px 0px; text-align: center;"><br>
    Date of Report (Date of Earliest Event Reported):<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 355.5pt" id="TRGRRTFtoHTMLTab"> </font><u>July 6, 2020</u></div>
  <div style="text-align: center; margin-top: 1.8pt; margin-bottom: 6pt; font-size: 14pt; font-weight: bold;"><u>Waterstone Financial, Inc.</u></div>
  <div style="text-align: center; margin-bottom: 6pt;"><u>(Exact name of registrant as specified in its charter)</u></div>
  <div><br>
  </div>
  <div style="text-align: center;">
    <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: 31.22%; vertical-align: middle;">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif; text-indent: -18pt; margin-left: 18pt;"><u>Maryland</u></div>
            </td>
            <td style="width: 41.49%; vertical-align: middle;">
              <div style="text-indent: -27pt; margin-left: 27pt; text-align: center;"><u>001-36271</u></div>
            </td>
            <td style="width: 27.3%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif; text-indent: -18pt; margin-left: 18pt;"><u>90-1026709</u></div>
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          </tr>

      </table>
    </div>
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            <div style="text-align: center;">(State or other jurisdiction of<br>
              incorporation)</div>
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          <td style="width: 41.49%; vertical-align: middle;">
            <div style="text-align: center;">(Commission File<br>
              Number)</div>
            <div>&#160;</div>
          </td>
          <td style="width: 27.3%; vertical-align: top;">
            <div style="text-align: center;">(I.R.S. Employer Identification No.)</div>
          </td>
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  <div style="text-align: center;"> <br>
  </div>
  <div style="text-align: center;"><u>11200 W Plank Ct, Wauwatosa, Wisconsin&#160; 53226</u></div>
  <div style="text-align: center; font-size: 8pt;">(Address of principal executive offices)</div>
  <div style="text-align: center;"><u> <br>
    </u></div>
  <div style="text-align: center;"><u>414-761-1000</u></div>
  <div style="text-align: center; font-size: 8pt;">Registrant&#8217;s telephone number, including area code:</div>
  <div style="text-align: center;"><u> <br>
    </u></div>
  <div style="text-align: center;"><u>Not Applicable</u></div>
  <div style="text-align: center; font-size: 8pt;">Former name or former address, if changed since last report</div>
  <div><br>
  </div>
  <div style="margin-bottom: 6pt;"><br>
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  <div style="margin-bottom: 6pt; font-size: 8pt;">Securities registered pursuant to Section 12(b) of the Act:</div>
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          <div style="text-align: center; font-weight: bold;">Title of each class</div>
        </td>
        <td style="width: 1.15%; vertical-align: top;">
          <div>&#160;</div>
        </td>
        <td style="width: 26.81%; vertical-align: top; border-bottom: #000000 2px solid;">
          <div style="text-align: center; font-weight: bold;">&#160;Trading Symbol</div>
        </td>
        <td style="width: 0.85%; vertical-align: top;">
          <div>&#160;</div>
        </td>
        <td style="width: 35.72%; vertical-align: top; border-bottom: #000000 2px solid;">
          <div style="text-align: center; font-weight: bold;">Name of each exchange on which registered</div>
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        <td style="width: 35.47%; vertical-align: top;">
          <div style="text-align: center;">Common Stock, $0.01 Par Value</div>
        </td>
        <td style="width: 1.15%; vertical-align: top;">
          <div>&#160;</div>
        </td>
        <td style="width: 26.81%; vertical-align: top;">
          <div style="text-align: center;">WSBF&#160;</div>
        </td>
        <td style="width: 0.85%; vertical-align: top;">
          <div>&#160;</div>
        </td>
        <td style="width: 35.72%; vertical-align: top;">
          <div style="text-align: center;">The NASDAQ Stock Market, LLC</div>
        </td>
      </tr>

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        <td colspan="2" style="width: 100%; vertical-align: middle;">
          <div>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>
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        <td colspan="2" style="width: 100%; vertical-align: middle;">&#160;</td>
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        <td style="width: 3.94%; vertical-align: middle;">
          <div>&#9723;</div>
        </td>
        <td style="width: 96.06%; vertical-align: middle;">
          <div>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
        </td>
      </tr>
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        <td style="width: 3.94%; vertical-align: middle;">
          <div>&#9723;</div>
        </td>
        <td style="width: 96.06%; vertical-align: middle;">
          <div>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
        </td>
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        <td style="width: 3.94%; vertical-align: middle;">
          <div>&#9723;</div>
        </td>
        <td style="width: 96.06%; vertical-align: middle;">
          <div>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act</div>
          <div>(17 CFR 240.14d-2(b))</div>
        </td>
      </tr>
      <tr>
        <td style="width: 3.94%; vertical-align: middle;">
          <div>&#9723;</div>
        </td>
        <td style="width: 96.06%; vertical-align: middle;">
          <div>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act</div>
          <div>(17 CFR 240.13e-4(c))</div>
        </td>
      </tr>

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  <div style="margin-bottom: 6pt;"> <br>
  </div>
  <div style="margin-bottom: 6pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities and Exchange Act of 1934.
    <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;">

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          <td style="width: 3.94%; vertical-align: middle;">
            <div>&#9723;</div>
          </td>
          <td style="width: 96.06%; vertical-align: middle;">
            <div>Emerging growth company</div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.94%; vertical-align: middle;">
            <div>&#9723;</div>
          </td>
          <td style="width: 96.06%; vertical-align: middle;">
            <div>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>
        </tr>

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  </div>
  <div style="text-indent: -22.5pt; margin-left: 22.5pt; margin-bottom: 6pt;">&#160; <br>
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  <div style="font-size: 12pt; font-weight: bold;">Item 7.01 Regulation FD Disclosure</div>
  <div><br>
  </div>
  <div style="text-align: justify; color: #000000; font-size: 12pt;">On July 6, 2020, Waterstone Mortgage Corporation, which is a wholly owned subsidiary of WaterStone Bank SSB, which, in turn, is a
    wholly-owned subsidiary of Waterstone Financial, Inc. (NASDAQ: WSBF) announced through various social media networks that Waterstone Mortgage Corporation had achieved an all-time record-breaking quarter and an all-time record-breaking month with
    respect to the volume of loans funded. During the second quarter ended June 30, 2020, Waterstone Mortgage Corporation funded approximately $1.1 billion of loans originated for sale in the secondary market. During the month of June 2020, Waterstone
    Mortgage Corporation funded approximately $414 million of loans originated for sale in the secondary market.</div>
  <div><br>
  </div>
  <div style="text-align: justify; font-size: 12pt;">The information furnished pursuant to this Item 7.01, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 (the
    "Exchange Act") or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended or the Exchange Act.</div>
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  <div style="text-align: center; font-size: 12pt; font-weight: bold;">SIGNATURES</div>
  <div><br>
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  <div style="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-indent: 36pt; margin-left: 252pt; font-size: 12pt;"><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font><br>
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          <td rowspan="1" style="font-family: 'Times New Roman'; width: 623px; font-size: 12pt;">&#160;Waterstone Financial, Inc.<br>
          </td>
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          <td rowspan="1" style="font-family: 'Times New Roman'; width: 624px;">&#160;</td>
          <td rowspan="1" style="font-family: 'Times New Roman'; width: 623px; font-size: 12pt;">&#160;</td>
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          <td style="font-family: 'Times New Roman'; width: 624px;">
            <div style="font-size: 12pt;">Date:&#160; July 6, 2020<br>
            </div>
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          <td style="font-family: 'Times New Roman'; width: 623px; font-size: 12pt;"><u style="font-style: italic;">/s/ Mark R. Gerke</u></td>
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          <td style="font-family: 'Times New Roman'; width: 623px;">
            <div style="font-size: 12pt;">Name: Mark R. Gerke</div>
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          <td style="font-family: 'Times New Roman'; width: 623px;">
            <div style="font-size: 12pt;">Title:&#160;Chief&#160;Financial&#160;Officer</div>
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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):
July 6, 2020
Waterstone Financial, Inc.
(Exact name of registrant as specified in its charter)
Maryland
001-36271
90-1026709
(State or other jurisdiction of
incorporation)
(Commission File
Number)
(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 or Rule 12b-2 of the Securities and Exchange Act of 1934.
◻
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 7.01 Regulation FD Disclosure
On July 6, 2020, Waterstone Mortgage Corporation, which is a wholly owned subsidiary of WaterStone Bank SSB, which, in turn, is a
    wholly-owned subsidiary of Waterstone Financial, Inc. (NASDAQ: WSBF) announced through various social media networks that Waterstone Mortgage Corporation had achieved an all-time record-breaking quarter and an all-time record-breaking month with
    respect to the volume of loans funded. During the second quarter ended June 30, 2020, Waterstone Mortgage Corporation funded approximately $1.1 billion of loans originated for sale in the secondary market. During the month of June 2020, Waterstone
    Mortgage Corporation funded approximately $414 million of loans originated for sale in the secondary market.
The information furnished pursuant to this Item 7.01, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 (the
    "Exchange Act") or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended or the Exchange Act.
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:  July 6, 2020
/s/ Mark R. Gerke
Name: Mark R. Gerke
Title: Chief Financial Officer