---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-023959"
form_type: "8-K"
ticker: "FSBW"
cik: "0001530249"
company_name: "FS Bancorp, Inc."
filed_at: "2026-07-21T20:39:48+00:00"
generated_at: "2026-07-21T20:41:08.355862+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# FS Bancorp Q2 net income $7.9M ($1.04 EPS); declares $0.29 dividend

## Summary
- Q2 2026 net income $7.9M ($1.04 diluted EPS) vs $7.8M ($1.02) prior quarter and $7.7M ($0.99) year ago.
- Board declared 54th consecutive quarterly cash dividend of $0.29/share, payable Aug 21, 2026 to holders of record Aug 7.
- Total deposits fell $188.7M (7.2%) to $2.45B, driven by $201.1M decrease in brokered deposits; cost of deposits improved to 2.18%.
- Loans receivable net increased $4.9M to $2.63B; commercial real estate up $88.9M YoY, consumer loans down $33.1M YoY.
- Repurchased 87,000 shares for $3.6M at avg $41.81; book value per share rose to $43.57 (+2.7% QoQ, +10.2% YoY).

## SEC filing metadata
- accession: 0001437749-26-023959
- form_type: 8-K
- ticker: FSBW
- cik: 0001530249
- company_name: FS Bancorp, Inc.
- filed_at: 2026-07-21T20:39:48+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1530249/000143774926023959/0001437749-26-023959-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1530249/000143774926023959/fsbw20260514_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-023959
- JSON: https://secwatch.observer/filing/0001437749-26-023959.json
- Plain text: https://secwatch.observer/filing/0001437749-26-023959.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.