FSBW posts Exhibit 99.1 investor presentation dated 9/3/2025

Rhea-AI Filing Summary

FS Bancorp, Inc. filed a Current Report on Form 8-K reporting the distribution of Investor Materials as an exhibit. The filing identifies the registrant as FS Bancorp, Inc. (FSBW) and lists its headquarters in Mountlake Terrace, Washington with a phone number. The only disclosed exhibit is Exhibit 99.1: FS Bancorp, Inc. Investor Materials dated September 3, 2025. The filing does not include financial statements, transaction details, executive changes, earnings data, or other substantive financial metrics.

Positive

• Exhibit 99.1 filed, improving public access to investor materials
• Filing identifies corporate details including ticker FSBW and headquarters, aiding transparency

Negative

• None.

Insights

Corporate Communications Analyst

Company disclosed investor materials on Form 8-K dated September 3, 2025.

The filing confirms distribution of Exhibit 99.1 containing investor materials, which is a routine transparency step to share corporate presentation or messages with investors.

This is primarily a disclosure action rather than a financial event; it helps ensure public access to the company’s investor communications but does not itself change financial statements or operational facts.

Securities Compliance Advisor

The 8-K meets a disclosure obligation but includes no material transactional data.

The document lists corporate identifiers and the exhibit but contains no earnings, material contracts, officer changes, or MD&A elements. From a compliance view, filing an exhibit like 99.1 is consistent with Form 8-K requirements when investor-facing materials are released.

Because no additional facts or outcomes are disclosed, there are no immediate investor‑material governance or financial implications evident in the filing.

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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

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		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.*

FS Bancorp, Inc.’s President, Matthew 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 on Technology Conference in Chicago, Illinois on September 3, 2025.

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

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.

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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

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FAQ

What did FS Bancorp (FSBW) file on September 3, 2025?

The company filed a Form 8-K disclosing Exhibit 99.1: Investor Materials dated September 3, 2025.

Does the 8-K include earnings or financial statements for FSBW?

No. The filing does not include any earnings data, financial statements, or financial tables.

Are there any reported material transactions or executive changes in the filing?

No. The 8-K contains no disclosure of material transactions, officer/director changes, or governance actions.

Where is FS Bancorp headquartered according to the filing?

The filing lists the company address as 6920 220th Street SW, Mountlake Terrace, Washington.

What exhibit number contains the investor materials?

The investor materials are attached as Exhibit 99.1.