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Dec 31, 2025
FS Bancorp Q4 2025 Earnings Report
FS Bancorp reported Q4 2025 results with net income of $8.4 million and continued strong capital position despite higher credit loss provisions.
Key Takeaways
FS Bancorp delivered solid results in Q4 2025, growing net income to $8.4 million. While higher provisions for credit losses impacted profitability sequentially, strong loan growth and an increase in tangible book value per share underscored financial strength. The company also recorded noninterest income gains from insurance-related proceeds.
Reported net income of $8.4 million for Q4 2025, up from $7.4 million in Q4 2024
Net interest income rose to $33.6 million, driven by loan growth
Provision for credit losses increased to $3.6 million due to a commercial construction relationship
Tangible book value per share grew to $39.65, up from $36.02 a year ago
Revenue by Segment
Forward Guidance
Management remains focused on prudent credit practices and capital discipline while navigating economic uncertainties. FS Bancorp expects continued strength in core banking activities, balanced by cautious credit provisioning.
Positive Outlook
- Strong capital levels with tangible book value growth
- Stable net interest margin supported by asset mix
- Resilient loan growth in commercial segments
- Noninterest income boosted by life insurance proceeds
- Continued dividend increases indicating confidence
Challenges Ahead
- Higher credit loss provisions related to commercial construction
- Increased charge-offs in indirect home improvement loans
- Elevated noninterest expense due to tax and impairment charges
- Rising nonperforming loan levels across portfolios
Historical Earnings Impact
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Avg. Return Before/After Earnings
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