FS Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	111.78	94.99	94.36	89.7	72.3
Investment Securities	237.72	264.61	235.56	294.49	318.62
Total Investments	237.72	264.61	235.56	294.49	318.62
Gross Loans	886.92	829.17	787.79	747.16	672.85
Allowance for Loan Losses	-8.25	-7.29	-	-6.71	-6.6
Net Loans	878.66	821.88	787.79	740.45	666.25
Property, Plant & Equipment	10.81	11.14	10.22	10.4	10.34
Other Intangible Assets	2.6	2.6	-	2.6	2.6
Other Long-Term Assets	32.36	33.47	36.88	39.51	21.93
Total Assets	1,275	1,230	1,165	1,179	1,094
Interest Bearing Deposits	769.43	777.87	795.81	756.46	685.01
Institutional Deposits	64.36	62.75	-	23.86	19.58
Non-Interest Bearing Deposits	288.93	252.81	255.3	286.64	274.27
Total Deposits	1,123	1,093	1,051	1,067	978.86
Short-Term Borrowings	4.14	5.01	-	6.97	7.61
Federal Home Loan Bank Debt, Long-Term	10	10	5.07	10	-
Other Long-Term Liabilities	8.45	8.46	7.23	7.38	5.36
Total Liabilities	1,145	1,117	1,063	1,091	991.82
Common Stock	0.15	0.15	101.41	0.15	0.15
Additional Paid-In Capital	3.01	3.18	-	3.09	3.15
Retained Earnings	154.33	138.51	-	117.28	104.91
Treasury Stock	-15.6	-11.5	-	-8.89	-7.51
Comprehensive Income & Other	-11.72	-17.01	-	-23.63	1.86
Shareholders' Equity	130.17	113.33	101.41	88	102.56
Total Liabilities & Equity	1,275	1,230	1,165	1,179	1,094
Total Debt	14.14	15.01	5.07	16.97	7.61
Net Cash (Debt)	97.65	79.98	89.29	72.73	64.7
Net Cash Growth	22.08%	-10.42%	22.76%	12.42%	5.89%
Net Cash Per Share	23.50	18.75	20.75	16.78	14.83
Filing Date Shares Outstanding	4.12	4.22	4.27	4.3	4.33
Total Common Shares Outstanding	4.12	4.22	4.27	4.3	4.33
Book Value Per Share	31.61	26.85	23.77	20.46	23.67
Tangible Book Value	127.57	110.73	101.41	85.4	99.96
Tangible Book Value Per Share	30.98	26.24	23.77	19.86	23.07

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.