FS Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Interest Income on Loans	53.88	51.21	46.8	40.27	31.99	29.59
Interest Income on Investments	11.6	12.55	12.37	9.62	7.17	4.63
Total Interest Income	65.47	63.76	59.17	49.89	39.15	34.22
Interest Paid on Deposits	16.98	18.79	19.65	14.25	3.73	1.12
Interest Paid on Borrowings	0.39	0.39	0.33	0.66	0.04	0.31
Total Interest Expense	17.37	19.18	19.98	14.91	3.77	1.43
Net Interest Income	48.1	44.58	39.2	34.98	35.38	32.79
Net Interest Income Growth	16.75%	13.74%	12.05%	-1.14%	7.91%	3.03%
Mortgage Banking Activities	0.26	0.19	0.14	-	0.39	0.81
Gain (Loss) on Sale of Investments	0	0.02	-0.02	-2.95	-0.03	0.53
Other Non-Interest Income	1.18	1.27	1.21	1.15	0.83	1.22
Total Non-Interest Income	6.74	6.95	6.69	3.65	6.61	7.64
Non-Interest Income Growth	0.24%	3.81%	83.11%	-44.75%	-13.46%	27.58%
Revenues Before Loan Losses	54.84	51.53	45.89	38.63	42	40.43
Provision for Loan Losses	0.95	0.97	0.22	0.19	0.16	-
Revenue	53.89	50.56	45.67	38.44	41.84	40.43
Revenue Growth	13.10%	10.71%	18.80%	-8.11%	3.47%	8.01%
Salaries and Employee Benefits	14.71	13.93	13.58	13.23	12.5	12.5
Occupancy Expenses	2.15	2.11	1.9	1.94	1.97	1.96
Selling, General & Administrative	3.61	3.43	3.37	2.37	2.64	2.84
Other Non-Interest Expense	6.09	6.31	5.98	5.68	5.12	4.74
Total Non-Interest Expense	26.56	25.78	24.82	23.22	22.22	22.03
EBT Excluding Unusual Items	27.33	24.78	20.84	15.22	19.62	18.41
Pretax Income	27.33	24.78	20.84	15.22	19.62	18.41
Income Tax Expense	4.73	4.25	3.57	2.27	3.15	2.94
Net Income	22.6	20.53	17.28	12.95	16.47	15.46
Net Income to Common	22.6	20.53	17.28	12.95	16.47	15.46
Net Income Growth	20.45%	18.82%	33.38%	-21.37%	6.52%	8.03%
Basic Shares Outstanding	4	4	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4	4
Shares Change	-1.64%	-2.58%	-0.87%	-0.73%	-0.63%	-0.81%
EPS (Basic)	5.49	4.97	4.06	3.02	3.82	3.57
EPS (Diluted)	5.46	4.94	4.05	3.01	3.80	3.54
EPS Growth	22.46%	21.98%	34.55%	-20.79%	7.19%	8.91%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	-	-	1.060	0.820	-	0.730
Dividend Growth	-	-	29.27%	-	-	-
Effective Tax Rate	17.31%	17.15%	17.12%	14.92%	16.03%	15.99%