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): September 3, 2025~~

Date of Report (Date of earliest event reported): October 21, 2025

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))

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		The NASDAQ Stock Market LLC

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, par value $.01 per share		FSBW		The NASDAQ Stock Market LLC

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.*

FSItem ~~Bancorp, Inc~~2.’s02 ~~President,~~Results ~~Matthew~~of ~~D. Mullet, Chief Retail Banking Officer Kelli Nielsen and Chief Credit~~ Operations ~~Officer Robert Nesbitt will be attending the Raymond James U.S. Bank~~ and ~~Banking~~Financial ~~on Technology Conference in Chicago, Illinois on September 3, 2025.~~Condition

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

~~Item~~On October 921, 2025, FS Bancorp, Inc.~~01 Financial~~ ~~Statements~~(the ~~and~~Company), ~~Exhibits~~the parent corporation of 1st Security Bank of Washington, issued its earnings release for the quarter ended September 30, 2025.* A copy of the press release is furnished with this Form 8-K as Exhibit 99.1 and is incorporated herein by reference.

Item 8.01 Other Events

On October 21, 2025, the Company announced its Board of Directors declared a regular quarterly cash dividend on Company common stock of $0.28 per share, payable on November 20, 2025, to stockholders of record as of the close of business on November 6, 2025.

Item 9.01 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.

	99.1	Press release of FS Bancorp, Inc. dated October 21, 2025
	104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

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: September 3, 2025	FS BANCORP, INC.
	/s/ Matthew D. Mullet
	Matthew D. Mullet
	President

Date: October 21, 2025	FS BANCORP, INC.

	/s/Phillip D. Whittington
	Phillip D. Whittington
	Chief Financial Officer

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