FS Bancorp Inc. has released its second-quarter results for 2025. The company reported a decrease in total noninterest income, which fell by $683,000 to $10.3 million for the six months ending June 30, 2025, compared to $11.0 million for the same period in 2024. This decline was mainly due to a $629,000 decrease in gain on sale of loans, a $464,000 decrease in service charges and fee income, and a net decrease of $368,000 related to no activity in gain on sales of MSRs and loss on sale of investment securities. However, these decreases were partially offset by a $755,000 increase in other noninterest income, attributed to sales of nonmarketable equity securities at a $312,000 gain, bank-owned life insurance proceeds of $195,000, and a $101,000 increase in brokered loans fees. In terms of segment performance, the Commercial and Consumer Banking segment reported net income of $7.4 million, while the Home Lending segment recorded net income of $351,000. These figures compare to the previous quarter's net income of $7.8 million and $242,000, respectively, and the second quarter of 2024's net income of $8.0 million and $1.0 million. The bank's regulatory capital ratios remain strong, with total risk-based capital at 14.1% and Tier 1 leverage capital at 11.2% as of June 30, 2025. These ratios indicate that FS Bancorp is considered "well capitalized" according to FDIC standards. There was no specific outlook or guidance provided in the report.