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FS Bancorp, Inc.

For the period ended Jun 30, 2026. Filed Aug 10, 2026.

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About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Jun 30, 2026 · Filed Aug 10, 2026

FSBW$43.67+0.3%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Table of Contents

**FS Bancorp, Inc.

Form 10‑Q

Page Number
PART I · FINANCIAL INFORMATION
Item 1. · Financial Statements
Consolidated Balance Sheets at June 30, 2026 (Unaudited) and December 31, 20254
Consolidated Statements of Income for the Three and Six Months Ended June 30, 2026 and 2025 (Unaudited)5
Consolidated Statements of Comprehensive Income for the Three and Six Months Ended June 30, 2026 and 2025 (Unaudited)6
Consolidated Statements of Changes in Stockholders’ Equity for the Three and Six Months Ended June 30, 2026 and 2025 (Unaudited)7
Consolidated Statements of Cash Flows for the Six Months Ended June 30, 2026 and 2025 (Unaudited)9 - 10
Notes to Consolidated Financial Statements11 - 50
Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations52 - 66
Item 3.Quantitative and Qualitative Disclosures About Market Risk67
Item 4.Controls and Procedures67
PART IIOTHER INFORMATION67
Item 1.Legal Proceedings67
Item 1A.Risk Factors67
Item 2.Unregistered Sales of Equity Securities and Use of Proceeds68
Item 3.Defaults Upon Senior Securities68
Item 4.Mine Safety Disclosures68
Item 5.Other Information68
Item 6.Exhibits69
SIGNATURES70

When we refer to “FS Bancorp” in this report, we are referring to FS Bancorp, Inc. When we refer to “Bank” or “1st Security Bank” in this report, we are referring to 1st Security Bank of Washington, the wholly owned subsidiary of FS Bancorp. As used in this report, the terms “we,” “our,” “us,” and “Company” refer to FS Bancorp, Inc. and its consolidated subsidiary, 1st Security Bank of Washington, unless the context indicates otherwise.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.