For the quarter ending 2026-03-31.
| 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 |
FS Bancorp, Inc. (FSBW)
FS Bancorp, Inc. (FSBW)