---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-23-012312"
form_type: "8-K"
ticker: "FSBW"
cik: "0001530249"
company_name: "FS Bancorp, Inc."
filed_at: "2023-07-26T23:59:59+00:00"
generated_at: "2026-06-13T02:19:09.912133+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FS Bancorp Q2 net income $9.1M ($1.16 EPS), up 36% YoY; declares $0.25 dividend

## Summary
- Q2 net income $9.1M vs $6.7M YoY; diluted EPS $1.16 vs $0.83; net interest margin 4.66%.
- Loans receivable net $2.34B, up 1.9% QoQ and 20.4% YoY; consumer loans up 30.6% YoY.
- Board declares regular $0.25 quarterly dividend, payable Aug 24 to holders of record Aug 10 (42nd consecutive).
- Total assets $2.91B, up 21.1% YoY; regulatory capital ratios remain well-capitalized.
- Home Lending segment net income $55K vs loss $756K YoY; Commercial & Consumer Banking $9.1M.

## SEC filing metadata
- accession: 0001558370-23-012312
- form_type: 8-K
- ticker: FSBW
- cik: 0001530249
- company_name: FS Bancorp, Inc.
- filed_at: 2023-07-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1530249/000155837023012312/0001558370-23-012312-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1530249/000155837023012312/fsbw-20230726x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-23-012312
- JSON: https://secwatch.observer/filing/0001558370-23-012312.json
- Plain text: https://secwatch.observer/filing/0001558370-23-012312.txt

## Key facts
- Earnings Releases
  FS Bancorp, Inc. reported the quarter ended June 30, 2023 results: net income $9.1 million, EPS $1.16 per diluted share.
  - Period: the quarter ended June 30, 2023
  - Net income: $9.1 million
  - EPS: $1.16 per diluted share
  - Result: reported results
  source text: On July 26, 2023, FS Bancorp, Inc., the parent corporation of 1st Security Bank of Washington, issued its earnings release for the quarter ended June 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1530249/000155837023012312/0001558370-23-012312-index.htm

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