| 3.1 | Articles of Incorporation for FS Bancorp, Inc. (1) |
| 3.2 | Bylaws for FS Bancorp, Inc. (2) |
| 4.1 | Form of Common Stock certificate of FS Bancorp, Inc. (1) |
| 4.2 | Indenture dated February 10, 2021, by and between FS Bancorp, Inc. and U.S. Bank National Association, as trustee. (3) |
| 4.3 | Forms of 3.75 Fixed-to-Floating Rate Subordinated Notes due 2031 (included as Exhibit A-1 and Exhibit A-2 to the Indenture filed as Exhibit 4.2 hereto) (3) |
| 4.4 | Description of Registrant’s Securities (4). |
| 10.1 | Severance Agreement between 1st Security Bank of Washington and Joseph C. Adams (1) |
| 10.2 | Form of Change of Control Agreement between 1st Security Bank of Washington and Matthew D. Mullet (1) |
| 10.3 | FS Bancorp, Inc. 2013 Equity Incentive Plan (the “2013 Plan”) (5) |
| 10.4 | Form of Incentive Stock Option Agreement under the 2013 Plan (5) |
| 10.5 | Form of Non-Qualified Stock Option Agreement under the 2013 Plan (5) |
| 10.6 | Form of Restricted Stock Agreement under the 2013 Plan (5) |
| 10.9 | Form of Change of Control Agreement with Donn C. Costa, Dennis O’Leary, Erin Burr, Victoria Jarman, Kelli Nielsen, and May-Ling Sowell (6) |
| 10.10 | FS Bancorp, Inc. 2018 Equity Incentive Plan (8) |
| 10.11 | Form of Incentive Stock Option Award Agreement under the 2018 Equity Incentive Plan (8) |
| 10.12 | Form of Non-Qualified Stock Option Award Agreement under the 2018 Equity Incentive Plan (8) |
| 10.13 | Form of Restricted Stock Award Agreement under the 2018 Equity Incentive Plan (8) |
| 10.14 | FS Bancorp, Inc. Nonqualified 2022 Stock Purchase Plan (9) |
| 10.15 | Form of Enrollment/Change Form under the FS Bancorp, Inc. Nonqualified 2022 Stock Purchase Plan (9) |
| 10.16 | Form of Change of Control Agreement with Shana Allen and Benjamin Crowl (10) |
| 14 | Code of Ethics and Conduct Policy (7) |
| 19 | Insider Trading Policies and Procedures |
| 21 | Subsidiaries of Registrant |
| 23 | Consent of Independent Registered Public Accounting Firm |
| 31.1 | Certification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 |
| 31.2 | Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 |
| 32.1 | Certification of Chief Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 |
| 32.2 | Certification of Chief Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 |
| 97 | Policy relating to Recovery of Erroneously Awarded Compensation (11) |
| 101 | The following materials from the Company’s Annual Report on Form 10‑K for the fiscal year ended December 31, 2024, formatted in Inline Extensible Business Reporting Language (iXBRL): (1) Consolidated Balance Sheets; (2) Consolidated Statements of Income; (3) Consolidated Statements of Comprehensive Income; (4) Consolidated Statements of Stockholders’ Equity; (5) Consolidated Statements of Cash Flows; and (6) Notes to Consolidated Financial Statements. |
| 104 | Cover Page Interactive Data file (formatted as Inline XBRL and contained in Exhibit 101) |
