FS Bancorp, Inc.
For the period ended Dec 31, 2025. Filed Mar 13, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 13, 2026
FSBW$43.52-0.3%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Item 15. Exhibits and Financial Statement Schedules
| (a) | 1. Financial Statements |
|---|---|
| For a list of the financial statements filed as part of this report see “Part II - Item 8. Financial Statements and Supplementary Data.” | |
| 2. Financial Statement Schedules | |
| Schedules to the Consolidated Financial Statements have been omitted as the required information is inapplicable. | |
| (b) | Exhibits |
| Exhibits are available from the Company by written request | |
| 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 | Form of Change of Control Agreement with Donn C. Costa, Dennis O’Leary, Erin Burr, Victoria Jarman, Kelli Nielsen, and May-Ling Sowell (5) |
| 10.4 | FS Bancorp, Inc. 2018 Equity Incentive Plan (7) |
| 10.5 | Form of Incentive Stock Option Award Agreement under the 2018 Equity Incentive Plan (7) |
| 10.6 | Form of Non-Qualified Stock Option Award Agreement under the 2018 Equity Incentive Plan (7) |
| 10.7 | Form of Restricted Stock Award Agreement under the 2018 Equity Incentive Plan (7) |
| 10.8 | FS Bancorp, Inc. Nonqualified 2022 Stock Purchase Plan (8) |
| 10.9 | Form of Enrollment/Change Form under the FS Bancorp, Inc. Nonqualified 2022 Stock Purchase Plan (8) |
| 10.10 | Form of Change of Control Agreement with Shana Allen and Benjamin Crowl (9) |
| 14 | Code of Ethics and Conduct Policy (6) |
| 19 | Insider Trading Policies and Procedures (10) |
| 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, 2025, 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) |
| (1) | Filed as an exhibit to the Registrant’s Registration Statement on Form S-1 (333-177125) filed on October 3, 2011, and incorporated by reference. |
| (2) | Filed as an exhibit to the Registrant’s Current Report on Form 8‑K filed on July 10, 2013 (File No. 001‑355589). |
| (3) | Filed as an exhibit to the Registrant’s Current Report on Form 8-K filed on February 11, 2021 (File No. 001-35589). |
| (4) | Filed as an exhibit to the Registrant's Current Report on 424B5 (Prospectus) (333-215810) filed on September 11, 2017. |
| (5) | Filed as an exhibit to the Registrant’s Current Report on Form 8-K filed on February 1, 2016 (File No. 001-35589) |
| (6) | Registrant elects to satisfy Regulation S-K §229.406(c) by posting its Code of Ethics on its website at www.fsbwa.com in the section titled Investor Relations: Corporate Governance. |
| (7) | Filed as an exhibit to the Registrant’s Registration Statement on Form S-8 (333-22513) filed on May 23,2018. |
| (8) | Filed as an exhibit to the Registrant’s Registration Statement on Form S-8 (333-265729) filed on June 21,2022. |
| (9) | Filed as an exhibit to the Registrant's Current Report on Form 8-K filed on February 2, 2024 (File No. 001-35589). |
| (10) | Filed as an exhibit to the Registrant's Annual Report on Form 10-K for the year ended December 31, 2024, filed on March 17, 2025 (File No. 001-35589). |
| (11) | Filed as an exhibit to the Registrant's Annual Report on Form 10-K for the year ended December 31, 2023, filed on March 15, 2024 (File No. 001-35589). |
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