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FS Bancorp, Inc. FSBW Commercial And Consumer Banking — Interest Expense Deposits

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Other financials

Income statement

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Revenue$1.2M-96.8%
Net income$7.9M+2.7%
EPS (diluted)$1.16+39.8%

Balance sheet

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Cash & equivalents$29.7M-10.5%
Total debt$331.3M+36.6%
Total equity$319.0M+7.3%
Total assets$3.2B+0.1%

Cash flow

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Operating cash flow$52.0M+628%
CapEx$574.0K-55.6%
Free cash flow$51.4M+778%

Valuation

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Market cap$316.33M+7.1%
Enterprise value$617.87M+22.4%
P/E9.5×+0.6×

Profitability

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Net margin24.4%-1.2pp
FCF margin70%-67.3pp

Returns & leverage

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Return on equity10.8%-0.7pp
Debt / equity+0.2×

Where this comes from

Reported directly by FS Bancorp, Inc. in its filing.

Tagged under the XBRL concept us-gaap:InterestExpenseDeposits.

The source filing: FS Bancorp, Inc.’s 10-Q, filed August 10, 2026.

Filed
Aug 10, 2026, 3:05 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001437749-26-026740
INTEREST INCOMEThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Interest and dividends on investment securities, cash and cash equivalents, and interest-bearing deposits at other financial institutions3,4603,6656,7817,150
Total interest and dividend income49,66248,70398,99595,490
INTEREST EXPENSE
Deposits13,90814,52028,62127,578
Borrowings2,1971,5853,5813,848
Subordinated notes9094861,600971
Total interest expense17,01416,59133,80232,397
NET INTEREST INCOME32,64832,11265,19363,093

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FAQ

What is FS Bancorp, Inc.'s commercial and consumer banking — interest expense deposits?
FS Bancorp, Inc. (FSBW) reported commercial and consumer banking — interest expense deposits of $13.9M in Q2 2026.
How has FS Bancorp, Inc.'s commercial and consumer banking — interest expense deposits changed year-over-year?
FS Bancorp, Inc.'s commercial and consumer banking — interest expense deposits decreased by 4.2% year-over-year, from $14.52M to $13.9M.
What does commercial and consumer banking — interest expense deposits mean?
Measures the total interest costs paid by the segment to depositors for holding their funds in interest-bearing accounts. This is a critical component of the segment's cost of funds and directly impacts the net interest margin. Monitoring this metric helps assess the segment's deposit pricing strategy and its sensitivity to changes in market interest rates.

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