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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

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FORM 8-K

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CURRENT REPORT

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

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Date of Report (Date of earliest event reported): February 2, 2021

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FS BANCORP, INC.

(Exact name of registrant as specified in its charter)

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Washington

001-35589

45-4585178

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(I.R.S. Employer

Identification No.)

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, Washington

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6920 220th Street SW

Mountlake Terrace, Washington

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98043

(Address of principal executive offices)

(Zip Code)

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

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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.

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Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

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Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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

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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

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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. ☐

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Item 2.02 Results of Operations and Financial Condition

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On February 2, 2021, the Registrant issued a press release to correct certain amounts and a percentage contained in its earnings release issued on Thursday, January 28, 2021 entitled, “FS Bancorp, Inc. Reports Record 2020 Results Including $39.3 Million of Net Income or $8.97 Per Diluted Share, and a 24% Increase in Its Dividend to $0.26 for the Thirty-Second Consecutive Quarterly Dividend”.  In the earnings release, the amount of loans still in deferral status was incorrect.  A copy of the press release correcting the loans still in deferral, along with the amount and percentage of loans making interest only payments is furnished with this Form 8-K as Exhibit 99.1 and is incorporated herein by reference.

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Item 9.01 Exhibits

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(d)Exhibits

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99.1

Press release of FS Bancorp, Inc. dated February 2, 2021

104

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

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SIGNATURES

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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.

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Date: February 2, 2021

FS BANCORP, INC.

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/s/Matthew D. Mullet

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Matthew D. Mullet

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Chief Financial Officer

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(Principal Financial and Accounting Officer)

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