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For the quarter ending 2026-03-31.

Income Overview

Net Income
$7,830K
EPS
$1.02
Unit: Thousand (K) dollars

Income Statement
2026-03-31
2025-12-31
2025-09-30
2025-06-30
Loans receivable, including fees
46,012 44,329* 46,664 45,038
Interest and dividends on investment securities, cash and cash equivalents, and interest-bearing deposits at other financial institutions
3,321 3,404* 4,309 3,665
Total interest and dividend income
49,333 47,733* 50,973 48,703
Deposits
14,713 13,596* 14,862 14,520
Borrowings
1,384 1,949* 1,935 1,585
Subordinated notes
691 484* 486 486
Total interest expense
16,788 16,029* 17,283 16,591
Net interest income
32,545 31,704* 33,690 32,112
Provision for credit losses
2,529 3,051* 2,309 2,021
Net interest income after provision for credit losses
30,016 28,653* 31,381 30,091
Service charges and fee income
2,073 2,153* 2,326 2,323
Gain on sale of loans
2,384 1,664* 2,439 1,972
Gain on sale of msrs
-0* 0 0
Gain (loss) on sale of investment securities, net
--0 0
Loss on sale of investment securities, net
-0* --
Earnings on cash surrender value of boli
259 251* 269 254
Other noninterest income
685 2,065* 560 621
Total noninterest income
5,401 6,131* 5,594 5,170
Salaries and benefits
14,854 15,027* 14,415 14,088
Operations
3,380 3,226* 3,974 3,824
Occupancy
1,876 1,843* 1,744 1,780
Data processing
1,594 1,931* 1,784 2,137
Gain on sale of oreo
-0* --
Loan costs
882 721* 746 719
Professional and board fees
1,014 1,276* 1,093 1,155
Federal deposit insurance corporation (fdic) insurance
627 591* 592 554
Marketing and advertising
309 265* 259 398
Acquisition costs
295 0* --
Amortization of core deposit intangible
744 798* 787 809
Recovery of msrs
-55 6* -6 38
Total noninterest expense
25,520 25,682* 25,388 25,502
Income before provision for income taxes
9,897 9,102* 11,587 9,759
Provision for income taxes
2,067 1,113* 2,410 2,031
Net income
7,830 7,989 9,177 7,728
Basic EPS
1.04 1.063 1.2 1
Diluted EPS
1.02 1.05 1.18 0.99
Basic Average Shares
7,402,375 7,517,577 7,488,139 7,580,576
Diluted Average Shares
7,531,291 7,609,063 7,623,243 7,698,173
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.

Income Statement

DownloadDownload image
Commercial And ConsumerBanking$37,023K Home Lending$8,989K Loans receivable,including fees$46,012K Interest and dividends oninvestment securities,...$3,321K Total interest anddividend income$49,333K Net interest income$32,545K Gain on sale of loans$2,384K Service charges and feeincome$2,073K Other noninterestincome$685K Earnings on cashsurrender value of boli$259K Total interestexpense$16,788K Net interest incomeafter provision for...$30,016K Total noninterestincome$5,401K Provision for creditlosses$2,529K Deposits$14,713K Borrowings$1,384K Subordinated notes$691K Income beforeprovision for income taxes$9,897K Total noninterestexpense$25,520K Recovery of msrs-$55K Net income$7,830K Provision for income taxes$2,067K Salaries and benefits$14,854K Operations$3,380K Occupancy$1,876K Data processing$1,594K Professional and board fees$1,014K Loan costs$882K Amortization of core depositintangible$744K Federal depositinsurance corporation...$627K Marketing and advertising$309K Acquisition costs$295K

FS Bancorp, Inc. (FSBW)

FS Bancorp, Inc. (FSBW)