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	28.22	31.64	65.69	41.44	26.49
Investment Securities	321.89	124.17	224.31	172.47	200
Trading Asset Securities	-	7.62	6.82	10.14	2.79
Mortgage-Backed Securities	-	167.19	101.25	69.97	89.4
Total Investments	321.89	298.98	332.38	252.57	292.19
Gross Loans	2,655	2,540	2,441	2,227	1,759
Allowance for Loan Losses	-31.94	-31.87	-31.53	-27.99	-25.64
Other Adjustments to Gross Loans	-	-6	-8.4	-7.8	-4.9
Net Loans	2,623	2,502	2,401	2,191	1,729
Property, Plant & Equipment	49.85	35.13	37.21	31.35	31.15
Goodwill	3.59	3.59	3.59	2.31	2.31
Other Intangible Assets	10.52	13.71	17.34	3.37	4.06
Loans Held for Sale	43.71	27.84	25.67	20.09	125.81
Accrued Interest Receivable	14.61	13.88	14.01	11.14	7.59
Long-Term Deferred Tax Assets	6.99	7.06	6.73	6.67	-
Other Real Estate Owned & Foreclosed	-	-	-	0.57	-
Other Long-Term Assets	86.32	79.78	66.47	61.92	63.47
Total Assets	3,197	3,029	2,973	2,633	2,286
Interest Bearing Deposits	2,016	1,113	1,343	1,285	1,161
Institutional Deposits	-	588.64	508.91	289.01	173.72
Non-Interest Bearing Deposits	658.12	638.16	670.83	554.17	580.75
Total Deposits	2,674	2,339	2,522	2,128	1,916
Short-Term Borrowings	-	49.06	90.76	0.04	0.16
Current Portion of Long-Term Debt	-	210	3.9	-	-
Current Portion of Leases	-	1.71	-	-	-
Long-Term Debt	178.97	49.59	49.53	49.46	49.39
Federal Home Loan Bank Debt, Long-Term	-	48.81	-	186.53	42.53
Long-Term Leases	5.89	3.85	6.85	6.47	4.79
Long-Term Deferred Tax Liabilities	-	-	-	-	1.18
Other Long-Term Liabilities	30.66	30.98	34.83	30.96	25.09
Total Liabilities	2,889	2,733	2,708	2,401	2,039
Common Stock	0.08	0.08	0.08	0.08	0.08
Additional Paid-In Capital	43.25	55.72	57.36	55.19	67.96
Retained Earnings	280.2	257.11	230.35	202.07	179.22
Comprehensive Income & Other	-15.83	-17.14	-23.31	-25.63	0.25
Shareholders' Equity	307.69	295.77	264.49	231.7	247.51
Total Liabilities & Equity	3,197	3,029	2,973	2,633	2,286
Total Debt	184.86	363.02	151.03	242.5	96.87
Net Cash (Debt)	-156.64	-322.04	-54.35	-186.21	-57.05
Net Cash Per Share	-20.15	-40.80	-6.99	-23.65	-6.78
Filing Date Shares Outstanding	7.4	7.66	7.7	7.62	7.97
Total Common Shares Outstanding	7.4	7.73	7.7	7.62	8.05
Book Value Per Share	41.55	38.26	34.36	30.42	30.75
Tangible Book Value	293.58	278.47	243.55	226.02	241.14
Tangible Book Value Per Share	39.65	36.02	31.64	29.67	29.96

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

SEC Filings: 10-K · 10-Q