Form 8-K

8-K — FS Bancorp, Inc.

Accession: 0000939057-26-000173

Filed: 2026-08-11

Period: 2026-08-11

CIK: 0001530249

SIC: 6036 (SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — fsbanc8k81126.htm (Primary)

EX-99.1 (fsbanc8k81126exh991.htm)

GRAPHIC (investorpresentation-august2.jpg)

GRAPHIC (slide1.jpg)

GRAPHIC (slide2.jpg)

GRAPHIC (slide3.jpg)

GRAPHIC (slide4.jpg)

GRAPHIC (slide5.jpg)

GRAPHIC (slide6.jpg)

GRAPHIC (slide7.jpg)

GRAPHIC (slide8.jpg)

GRAPHIC (slide9.jpg)

GRAPHIC (slide10.jpg)

GRAPHIC (slide11.jpg)

GRAPHIC (slide12.jpg)

GRAPHIC (slide13.jpg)

GRAPHIC (slide15.jpg)

GRAPHIC (slide16.jpg)

GRAPHIC (slide17.jpg)

GRAPHIC (slide18.jpg)

GRAPHIC (slide19.jpg)

GRAPHIC (slide20.jpg)

GRAPHIC (slide21.jpg)

GRAPHIC (slide22.jpg)

GRAPHIC (slide23.jpg)

GRAPHIC (slide24.jpg)

GRAPHIC (slide25.jpg)

GRAPHIC (slide26.jpg)

GRAPHIC (slide27.jpg)

GRAPHIC (slide28.jpg)

GRAPHIC (slide29.jpg)

GRAPHIC (slide30.jpg)

GRAPHIC (slide31.jpg)

GRAPHIC (slide32.jpg)

GRAPHIC (slide33.jpg)

GRAPHIC (slide34.jpg)

GRAPHIC (slide35.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: fsbanc8k81126.htm · Sequence: 1

false000153024900015302492026-08-112026-08-11

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): August 11, 2026

FS BANCORP, INC.

(Exact name of registrant as specified in its charter)

Washington

001-35589

45-4585178

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(I.R.S. Employer

Identification No.)

6920 220th Street SW

Mountlake Terrace, Washington

98043

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code: (425) 771-5299

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the

registrant under any of the following provisions.

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR

230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR

240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act

(17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act

(17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, par value $0.01 per share

FSBW

NASDAQ

Indicate by check mark whether the registrant is an emerging growth company as defined in

Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for

complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [ ]

Item 7.01 Regulation FD Disclosure.*

FS Bancorp, Inc.’s President and Chief Executive Officer, Matthew D. Mullet, Executive Vice

President, Chief Risk Officer and CRA Officer Erin Burr and Executive Vice President, Chief Lending Officer Benjamin G. Crowl will be attending the D.A. Davidson Western Bank Summit virtually on August 11 -12, 2026.

Attached as Exhibit 99.1 is a copy of the investor materials that are being provided in connection

with the Summit.

Item 9.01

Financial Statements and Exhibits.*

(d)

Exhibits

Exhibit No.

Description

99.1

FS Bancorp, Inc. Investor

Materials

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

The information furnished under Item 7.01 and Item 9.01 of this Current Report on Form 8-K, including the exhibit, shall not be deemed “filed”

for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to liabilities under that Section, nor shall it be deemed incorporated by reference in any registration statement or other filings of FS

Bancorp, Inc. under the Securities Act of 1933, as amended, except as shall be set forth by specific reference in such filing.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to

be signed on its behalf by the undersigned hereunto duly authorized.

Date: August 11, 2026

FS BANCORP, INC.

/s/ Phil Whittington

Phil Whittington

Chief Financial Officer

EX-99.1

Filename: fsbanc8k81126exh991.htm · Sequence: 2

Exhibit 99.1

GRAPHIC

Filename: investorpresentation-august2.jpg · Sequence: 6

Binary file (137098 bytes)

Download investorpresentation-august2.jpg

GRAPHIC

Filename: slide1.jpg · Sequence: 7

Binary file (123940 bytes)

Download slide1.jpg

GRAPHIC

Filename: slide2.jpg · Sequence: 8

Binary file (223869 bytes)

Download slide2.jpg

GRAPHIC

Filename: slide3.jpg · Sequence: 9

Binary file (77050 bytes)

Download slide3.jpg

GRAPHIC

Filename: slide4.jpg · Sequence: 10

Binary file (103298 bytes)

Download slide4.jpg

GRAPHIC

Filename: slide5.jpg · Sequence: 11

Binary file (153162 bytes)

Download slide5.jpg

GRAPHIC

Filename: slide6.jpg · Sequence: 12

Binary file (86153 bytes)

Download slide6.jpg

GRAPHIC

Filename: slide7.jpg · Sequence: 13

Binary file (84098 bytes)

Download slide7.jpg

GRAPHIC

Filename: slide8.jpg · Sequence: 14

Binary file (81131 bytes)

Download slide8.jpg

GRAPHIC

Filename: slide9.jpg · Sequence: 15

Binary file (79506 bytes)

Download slide9.jpg

GRAPHIC

Filename: slide10.jpg · Sequence: 16

Binary file (73473 bytes)

Download slide10.jpg

GRAPHIC

Filename: slide11.jpg · Sequence: 17

Binary file (137452 bytes)

Download slide11.jpg

GRAPHIC

Filename: slide12.jpg · Sequence: 18

Binary file (120894 bytes)

Download slide12.jpg

GRAPHIC

Filename: slide13.jpg · Sequence: 19

Binary file (136422 bytes)

Download slide13.jpg

GRAPHIC

Filename: slide15.jpg · Sequence: 20

Binary file (128072 bytes)

Download slide15.jpg

GRAPHIC

Filename: slide16.jpg · Sequence: 21

Binary file (107277 bytes)

Download slide16.jpg

GRAPHIC

Filename: slide17.jpg · Sequence: 22

Binary file (87411 bytes)

Download slide17.jpg

GRAPHIC

Filename: slide18.jpg · Sequence: 23

Binary file (100153 bytes)

Download slide18.jpg

GRAPHIC

Filename: slide19.jpg · Sequence: 24

Binary file (73755 bytes)

Download slide19.jpg

GRAPHIC

Filename: slide20.jpg · Sequence: 25

Binary file (87189 bytes)

Download slide20.jpg

GRAPHIC

Filename: slide21.jpg · Sequence: 26

Binary file (78786 bytes)

Download slide21.jpg

GRAPHIC

Filename: slide22.jpg · Sequence: 27

Binary file (114952 bytes)

Download slide22.jpg

GRAPHIC

Filename: slide23.jpg · Sequence: 28

Binary file (126444 bytes)

Download slide23.jpg

GRAPHIC

Filename: slide24.jpg · Sequence: 29

Binary file (76949 bytes)

Download slide24.jpg

GRAPHIC

Filename: slide25.jpg · Sequence: 30

Binary file (100192 bytes)

Download slide25.jpg

GRAPHIC

Filename: slide26.jpg · Sequence: 31

Binary file (120461 bytes)

Download slide26.jpg

GRAPHIC

Filename: slide27.jpg · Sequence: 32

Binary file (126126 bytes)

Download slide27.jpg

GRAPHIC

Filename: slide28.jpg · Sequence: 33

Binary file (104992 bytes)

Download slide28.jpg

GRAPHIC

Filename: slide29.jpg · Sequence: 34

Binary file (86812 bytes)

Download slide29.jpg

GRAPHIC

Filename: slide30.jpg · Sequence: 35

Binary file (99986 bytes)

Download slide30.jpg

GRAPHIC

Filename: slide31.jpg · Sequence: 36

Binary file (91610 bytes)

Download slide31.jpg

GRAPHIC

Filename: slide32.jpg · Sequence: 37

Binary file (111664 bytes)

Download slide32.jpg

GRAPHIC

Filename: slide33.jpg · Sequence: 38

Binary file (22234 bytes)

Download slide33.jpg

GRAPHIC

Filename: slide34.jpg · Sequence: 39

Binary file (180954 bytes)

Download slide34.jpg

GRAPHIC

Filename: slide35.jpg · Sequence: 40

Binary file (54983 bytes)

Download slide35.jpg

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 42

v3.26.1

Document and Entity Information

Aug. 11, 2026

Cover [Abstract]

Document Type

8-K

Amendment Flag

false

Document Period End Date

Aug. 11, 2026

Entity File Number

001-35589

Entity Registrant Name

FS BANCORP, INC.

Entity Central Index Key

0001530249

Entity Incorporation, State or Country Code

Entity Tax Identification Number

45-4585178

Entity Address, Address Line One

6920 220th Street SW

Entity Address, City or Town

Mountlake Terrace

Entity Address, State or Province

Entity Address, Postal Zip Code

98043

City Area Code

425

Local Phone Number

771-5299

Title of 12(b) Security

Common Stock, par value $0.01 per share

Trading Symbol

FSBW

Security Exchange Name

NASDAQ

Entity Emerging Growth Company

false

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Cover page.

+ References

No definition available.

+ Details

Name:

dei_CoverAbstract

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration