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FS Bancorp, Inc. (FSBW)

FS Bancorp, Inc. (FSBW)

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Balance Sheets Overview

Debt to Asset Ratio
89.97%
Unit: Thousand (K) dollars
Assets Breakdown
    • Financing receivable, gross
    • Securities available-for-sale, a...
    • Premises and equipment, net
    • Others
Liabilities Breakdown
    • Interest-bearing accounts
    • Noninterest-bearing accounts
    • Borrowings
    • Others
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
12,835
12,424
13,504
12,391
Interest-bearing deposits at other financial institutions
16,875
26,278
14,715
48,889
Total cash and cash equivalents
29,710
38,702
28,219
61,280
Certificates of deposit at other financial institutions
-
-
0
0
Securities available-for-sale, at fair value (amortized cost of 291,317 and 310,097, net of allowance for credit losses of 0 and 0, respectively)
269,460
271,007
288,667
311,695
Securities held-to-maturity, at amortized cost (fair value of 35,183 and 34,396, net of allowance for credit losses of 277 and 277, respectively)
34,845
33,267
33,224
31,386
Loans held for sale, at fair value
30,548
56,275
43,705
38,579
Financing receivable, gross
2,660,157
2,656,534
2,655,109
2,629,657
Acl on loans
31,165
32,443
31,937
30,056
Loans receivable, net of allowance for credit losses of 31,165 and 31,937 (includes loans of 13,159 and 13,183, at fair value, respectively)
2,628,992
2,624,091
2,623,172
2,599,601
Accrued interest receivable
14,263
15,333
14,614
15,122
Premises and equipment, gross
-
-
68,818
-
Less accumulated depreciation and amortization
-
-
24,753
-
Premises and equipment, net
43,455
43,612
44,065
32,444
Long-lived assets held for sale
3,258
3,258
3,258
-
Operating lease right-of-use (rou) assets
6,655
5,472
5,789
6,832
Federal home loan bank (fhlb) stock, at cost
14,420
8,701
7,971
7,975
Deferred tax asset, net
6,441
7,175
6,993
6,767
Bank owned life insurance (boli), net
36,771
36,508
36,249
38,531
Mortgage servicing rights (msrs), held at the lower of cost or fair value
8,912
8,676
8,608
8,506
Goodwill
3,592
3,592
3,592
3,592
Core deposit intangible, net
9,052
9,774
10,518
11,284
Other assets
38,706
38,072
38,203
35,231
Total assets
3,179,080
3,203,515
3,196,847
3,208,825
Noninterest-bearing accounts
641,856
653,691
658,123
665,852
Interest-bearing accounts
1,807,026
1,983,885
2,015,519
2,020,640
Total deposits
2,448,882
2,637,576
2,673,642
2,686,492
Borrowings
324,500
167,305
129,305
129,305
Principal amount
50,000
50,000
50,000
50,000
Unamortized debt issuance costs
306
322
339
356
Total subordinated notes less unamortized debt issuance costs
49,694
49,678
49,661
49,644
Operating lease liabilities
6,753
5,570
5,889
6,993
Other liabilities
30,291
29,534
30,656
35,880
Total liabilities
2,860,120
2,889,663
2,889,153
2,908,314
Preferred stock, .01 par value 5,000,000 shares authorized none issued or outstanding
0
0
0
0
Common stock, .01 par value 45,000,000 shares authorized 7,423,772 and 7,507,519 shares issued and outstanding at june 30, 2026 and december 31, 2025, respectively
74
75
75
75
Additional paid-in capital
40,886
43,668
43,251
43,907
Retained earnings
291,635
285,854
280,197
273,882
Accumulated other comprehensive loss, net of tax
-13,635
-15,745
-15,829
-17,353
Total stockholders equity
318,960
313,852
307,694
300,511
Total liabilities and stockholders equity
3,179,080
3,203,515
3,196,847
3,208,825
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Balance Sheets

Financing receivable,gross$2,660,157K (1.75%↑ Y/Y)Interest-bearing deposits atother financial...$16,875K (-6.39%↓ Y/Y)Cash and due frombanks$12,835K (-15.38%↓ Y/Y)Loans receivable, netof allowance for...$2,628,992K (1.81%↑ Y/Y)Securitiesavailable-for-sale, at fair value...$269,460K (-10.98%↓ Y/Y)Premises and equipment,net$43,455K (44.38%↑ Y/Y)Other assets$38,706K (1.49%↑ Y/Y)Bank owned lifeinsurance (boli), net$36,771K (-3.90%↓ Y/Y)Securitiesheld-to-maturity, at amortized...$34,845K (10.40%↑ Y/Y)Loans held for sale, atfair value$30,548K (-43.04%↓ Y/Y)Total cash and cashequivalents$29,710K (-10.50%↓ Y/Y)Federal home loan bank(fhlb) stock, at cost$14,420K (24.54%↑ Y/Y)Accrued interestreceivable$14,263K (-0.05%↓ Y/Y)Core depositintangible, net$9,052K (-25.01%↓ Y/Y)Mortgage servicingrights (msrs), held at...$8,912K (3.01%↑ Y/Y)Operating leaseright-of-use (rou) assets$6,655K (-16.49%↓ Y/Y)Deferred tax asset, net$6,441K (-17.23%↓ Y/Y)Goodwill$3,592K (0.00%↑ Y/Y)Long-lived assets held forsale$3,258K Acl on loans$31,165K Total assets$3,179,080K (0.10%↑ Y/Y)Total liabilities andstockholders equity$3,179,080K (0.10%↑ Y/Y)Total liabilities$2,860,120K (-0.65%↓ Y/Y)Total stockholdersequity$318,960K (7.32%↑ Y/Y)Accumulated othercomprehensive loss, net of tax-$13,635K (31.14%↑ Y/Y)Total deposits$2,448,882K (-4.09%↓ Y/Y)Borrowings$324,500K (38.49%↑ Y/Y)Total subordinatednotes less...$49,694K (0.14%↑ Y/Y)Other liabilities$30,291K (-9.21%↓ Y/Y)Operating leaseliabilities$6,753K (-17.02%↓ Y/Y)Retained earnings$291,635K (8.61%↑ Y/Y)Additional paid-in capital$40,886K (-15.56%↓ Y/Y)Unamortized debt issuancecosts$306K (-17.96%↓ Y/Y)Common stock, .01 parvalue 45,000,000...$74K (-2.63%↓ Y/Y)Interest-bearing accounts$1,807,026K (-4.86%↓ Y/Y)Noninterest-bearing accounts$641,856K (-1.87%↓ Y/Y)Principal amount$50,000K (0.00%↑ Y/Y)