{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-033128","form_type":"8-K","ticker":"FSBW","cik":"0001530249","company_name":"FS Bancorp, Inc.","filed_at":"2026-10-21T20:39:37+00:00","discovered_at":"2026-10-21T20:42:01.857823+00:00","generated_at":"2026-10-21T20:42:17.718295+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"FS Bancorp Q3 net income falls to $4.9M ($0.63/sh) from $9.2M a year ago; declares $0.29 dividend","bullets":["Q3 2026 net income was $4.9M, or $0.63 per diluted share, vs $7.9M/$1.04 in Q2 and $9.2M/$1.18 a year ago.","Nine-month 2026 net income was $20.7M ($2.62/sh) vs $24.9M ($3.18/sh) for the comparable 2025 period.","Declared 55th consecutive quarterly cash dividend of $0.29/share, payable Nov. 20, 2026 to holders of record Nov. 6.","Closed Pacific West acquisition Aug. 19, 2026 for ~$35.3M (430,149 shares + $16.9M cash); added $435.6M deposits, $256.5M loans; $1.7M bargain gain.","Deposits $2.87B (+17.1% QoQ); net loans $3.01B (+$379.1M). Home Lending lost $806K on rising rates; Commercial/Consumer earned $5.7M."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-033128","json":"https://secwatch.observer/filing/0001437749-26-033128.json","markdown":"https://secwatch.observer/filing/0001437749-26-033128.md","text":"https://secwatch.observer/filing/0001437749-26-033128.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1530249/000143774926033128/0001437749-26-033128-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1530249/000143774926033128/fsbw20260812_8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-21T20:42:17.718295+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}