| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 24,926 | 15,749 |
| Provision for credit losses | 5,922 | 3,613 |
| Depreciation, amortization and accretion | 9,444 | 6,256 |
| Compensation expense related to stock options and restricted stock awards | 1,621 | 1,038 |
| Earnings on cash surrender value of boli | 773 | 505 |
| Gain on sale of loans held for sale | 6,111 | 3,672 |
| Gain on sale of msrs | 0 | 0 |
| Loss on sale of investment securities, net | 0 | 0 |
| Change in fair value on portfolio loans measured under the fair value option | 469 | 266 |
| Origination of loans held for sale | 354,231 | 225,320 |
| Proceeds from sale of loans held for sale | 379,654 | 221,880 |
| Gain on purchase of tax credits | 660 | 660 |
| Purchase of tax credits | 7,587 | 7,587 |
| (recovery) impairment of msrs | 23 | 29 |
| Accrued interest receivable | 1,241 | 389 |
| Other assets | -8,146 | -5,458 |
| Other liabilities | 1,294 | -302 |
| Net cash from operating activities | 59,958 | 15,322 |
| Proceeds from sale of investment securities | 0 | 0 |
| Maturities, prepayments, and calls | 35,616 | 26,174 |
| Purchases | 61,724 | 46,540 |
| Purchases | 25,985 | 23,235 |
| Maturities, prepayments, and calls | 3,000 | - |
| Maturities of certificates of deposit at other financial institutions | 1,727 | 1,479 |
| Purchase of certificates of deposit at other financial institutions | 0 | 0 |
| Portfolio loan originations and principal collections, net | 132,008 | 98,600 |
| Proceeds from sale of msrs | 0 | 0 |
| Proceeds from sale of portfolio loans | 2,309 | 0 |
| Purchase of portfolio loans | 3,956 | 3,956 |
| Purchase of premises and equipment | 4,665 | 1,642 |
| Proceeds from bank owned life insurance death benefits | 771 | 771 |
| Change in fhlb stock, net | -7,646 | -4,042 |
| Net cash used by investing activities | -177,269 | -141,507 |
| Net increase (decrease) in deposits | 347,047 | 213,937 |
| Proceeds from borrowings | 626,436 | 614,000 |
| Repayments of borrowings | 804,937 | 687,501 |
| Dividends paid on common stock | 8,157 | 4,353 |
| Disbursements from stock options exercised, net | -20 | 0 |
| Common stock repurchased for employee/director taxes paid on restricted stock awards | 464 | - |
| Issuance of common stock - employee stock purchase plan | 937 | 650 |
| Common stock repurchased | 13,886 | 8,988 |
| Net cash from (used by) financing activities | 146,956 | 127,745 |
| Net increase (decrease) in cash and cash equivalents | 29,645 | 1,560 |
| Cash and cash equivalents at beginning of period | 31,635 | - |
| Cash and cash equivalents at end of period | 61,280 | - |
FS Bancorp, Inc. (FSBW)
FS Bancorp, Inc. (FSBW)