Short answer
FS Bancorp, Inc. (FSBW) filed its Q3 2025 10-Q quarterly report on Nov 10, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $51M (up 8.4% year over year) with net income of $9M.
Q3 2025 key financials · XBRL
- Revenue
- $51M
- +8.4% YoY · +4.7% QoQ
- Net income
- $9M
- −10.8% YoY · +18.8% QoQ
- EPS (diluted)
- $1.19
- −4.8% YoY · +21.4% QoQ
Source: XBRL data from the FS Bancorp, Inc. (FSBW) Q3 2025 10-Q on SEC EDGAR. USD.
FS Bancorp, Inc. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net income $9.2M vs $10.3M YoY; net interest income $33.7M vs $31.2M
- Net interest margin 4.37% vs 4.35% YoY; net interest rate spread 3.45% vs 3.38%
- Commercial real estate loans up $61.4M; consumer loans down $19.4M, including indirect home improvement loans down $14.3M
- Cash and cash equivalents up $29.6M since December 31, 2024; deposits up $347.1M and borrowings down $178.5M
- Headwinds: economic volatility, elevated consumer-loan losses, construction-loan collateral deficiency, and lower one-to-four-family originations
Risk Factors
- No material changes to risk factors previously disclosed in FS Bancorp’s 2024 Form 10-K
- No newly added quarterly risk factor identified
- No materially updated regulatory, legal, or compliance risk disclosed
- No new operational, competitive, market, liquidity, debt, currency, or concentration risk disclosed
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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