FS Bancorp, Inc. FSBW Home Lending — Interest Expense Intersegment

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BUSEBanking — Intersegment interest income

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Questions, answered.

What is FS Bancorp, Inc.'s home lending — interest expense intersegment?

FS Bancorp, Inc. (FSBW) reported home lending — interest expense intersegment of $5.85M in Q1 2026.

How has FS Bancorp, Inc.'s home lending — interest expense intersegment changed year-over-year?

FS Bancorp, Inc.'s home lending — interest expense intersegment increased by 2.7% year-over-year, from $5.7M to $5.85M.

What is the long-term trend for FS Bancorp, Inc.'s home lending — interest expense intersegment?

Over 3 years (2022 to 2025), FS Bancorp, Inc.'s home lending — interest expense intersegment has grown at a 46.9% compound annual growth rate (CAGR), from $7.59M to $24.05M.

What does home lending — interest expense intersegment mean?

This captures the internal interest charges allocated to the home lending segment for funds provided by other parts of the banking organization. It serves as an internal transfer pricing mechanism to account for the cost of liquidity and funding provided to the segment. It is essential for evaluating the true economic profitability of the segment after accounting for internal funding costs.