0001437749-26-035931 | 10-Q | XBRL Viewer

$ 49,346

$ 46,664

$ 141,560

$ 135,004

4,075

4,309

10,856

11,459

53,421

50,973

152,416

146,463

1,468

2,439

6,433

6,111

6,176

5,594

17,727

15,890

14,033

14,862

42,654

42,440

924

486

2,524

1,456

17,735

17,283

51,537

49,679

3,462

2,309

8,632

5,922

17,178

14,415

47,602

43,037

Income before provision for income taxes by segment

32,314

25,388

83,938

75,945

6,086

11,587

26,036

30,807

(1,160)

(2,410)

(5,344)

(5,881)

4,926

9,177

20,692

24,926

3,676,651

$ 3,196,847

Operating Segments [Member]

(1,160)

(2,410)

(5,344)

(5,881)

49,346

46,664

141,560

135,004

4,075

4,309

10,856

11,459

53,421

50,973

152,416

146,463

1,468

2,439

6,433

6,111

Other income

4,708

3,155

11,294

9,779

Intersegment income

6,176

5,594

17,727

15,890

Total income by segment

59,597

56,567

170,143

162,353

Interest expense - borrowings

14,033

14,863

42,654

42,440

2,778

1,935

6,359

5,783

Interest expense - intersegment

924

485

2,524

1,456

17,735

17,283

51,537

49,679

3,462

2,309

8,632

5,922

11,472

9,835

33,140

29,632

Overhead allocation

9,033

7,571

24,278

22,786

Other segment items

^[1]

11,809

7,982

26,520

23,527

Income before provision for income taxes by segment

32,314

25,388

83,938

75,945

6,086

11,587

26,036

30,807

(1,160)

(2,410)

(5,344)

(5,881)

4,926

9,177

20,692

24,926

$ 3,676,651

$ 3,208,825

$ 3,676,651

$ 3,208,825

FTEs

626

575

626

575

Operating Segments [Member] | Commercial And Consumer Banking [Member]

$ (1,160)

$ (2,410)

$ (5,344)

$ (5,881)

38,955

37,419

112,905

108,430

4,075

4,309

10,856

11,459

43,030

41,728

123,761

119,889

Other income

4,986

2,338

10,823

7,533

Intersegment income

(209)

(323)

(842)

(975)

4,777

2,078

9,981

6,621

Total income by segment

47,807

43,806

133,742

126,510

Interest expense - borrowings

14,033

14,857

42,649

42,430

2,778

1,935

6,359

5,783

Interest expense - intersegment

729

384

1,996

1,155

(6,397)

(6,259)

(18,344)

(17,876)

11,143

10,917

32,660

31,492

2,855

2,150

7,697

5,320

9,084

8,032

26,303

23,571

Overhead allocation

7,143

5,761

18,765

17,323

Other segment items

^[1]

10,476

6,342

23,910

19,731

Income before provision for income taxes by segment

26,703

20,135

68,978

60,625

7,106

10,604

24,407

29,073

(1,374)

(2,203)

(5,136)

(5,517)

5,732

8,401

19,271

23,556

$ 2,896,914

$ 2,546,789

$ 2,896,914

$ 2,546,789

FTEs

513

460

513

460

Operating Segments [Member] | Home Lending [Member]

$ (1,374)

$ (2,203)

$ (5,136)

$ (5,517)

10,391

9,245

28,655

26,574

10,391

9,245

28,655

26,574

1,468

2,376

6,433

6,048

Other income

(278)

817

471

2,246

Intersegment income

209

323

842

975

1,399

3,516

7,746

9,269

Total income by segment

11,790

12,761

36,401

35,843

Interest expense - borrowings

Interest expense - intersegment

195

101

528

301

6,397

6,259

18,344

17,876

6,592

6,366

18,877

18,187

607

159

935

602

2,388

1,803

6,837

6,061

Overhead allocation

1,890

1,810

5,513

5,463

Other segment items

^[1]

1,333

1,640

2,610

3,796

Income before provision for income taxes by segment

5,611

5,253

14,960

15,320

(1,020)

983

1,629

1,734

214

(207)

(208)

(364)

(806)

776

1,421

1,370

$ 779,737

$ 662,036

$ 779,737

$ 662,036

FTEs

113

115

113

115

$ 214

$ (207)

$ (208)

$ (364)

[1]	Other segments items include operations, occupancy, data processing, loan costs, professional and board fees, marketing and advertising, and (recovery) impairment of MSRs.

Note 6 - Derivatives - Schedule of Hedging Relationship (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Total amounts presented on the Consolidated Statements of Income	$ 17,735	$ 17,283	$ 51,537	$ 49,679
Interest and dividends on investment securities, cash and cash equivalents, and interest-bearing deposits at other financial institutions	4,075	4,309	10,856	11,459
Reclassification adjustment for realized gain, net included in net income	(317)	(807)	(771)	(2,634)
Interest Expense 1 [Member]
Net interest income recognized on cash flows of derivatives designated as hedging instruments	0	0	0	0
Interest Income 1 [Member]
Net interest income recognized on cash flows of derivatives designated as hedging instruments	172	280	499	822
Designated as Hedging Instrument [Member] \| Securities Investment [Member] \| Interest Rate Swap [Member] \| Interest Expense 1 [Member]
Net gains (losses) on fair value hedging relationships: Interest rate swaps – securities, Recognized on hedged items	0	0	0	0
Recognized on derivatives designated as hedging instruments	0	0	0	0
Net income recognized on fair value hedges	0	0	0	0
Designated as Hedging Instrument [Member] \| Securities Investment [Member] \| Interest Rate Swap [Member] \| Interest Income 1 [Member]
Net gains (losses) on fair value hedging relationships: Interest rate swaps – securities, Recognized on hedged items	(1,490)	241	(2,309)	2,273
Recognized on derivatives designated as hedging instruments	1,490	(241)	2,309	(2,273)
Net income recognized on fair value hedges	172	280	499	822
Designated as Hedging Instrument [Member] \| Brokered Deposits and Borrowings [Member] \| Interest Rate Swap [Member] \| Interest Expense 1 [Member]
Reclassification adjustment for realized gain, net included in net income	146	527	273	2,732
Net income recognized on cash flow hedges	146	527	273	2,732
Designated as Hedging Instrument [Member] \| Brokered Deposits and Borrowings [Member] \| Interest Rate Swap [Member] \| Interest Income 1 [Member]
Reclassification adjustment for realized gain, net included in net income	0	0	0	0
Net income recognized on cash flow hedges	0	0	0	0
Designated as Hedging Instrument [Member] \| Fair Value Hedging And Cash Flow Hedging [Member]
Total amounts presented on the Consolidated Statements of Income	16,811	16,797	49,013	48,223
Interest and dividends on investment securities, cash and cash equivalents, and interest-bearing deposits at other financial institutions	$ 4,075	$ 4,309	$ 10,856	$ 11,459

Note 10 - Fair Value Measurements - Schedule of Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Loans Receivable, Fair Value Disclosure	$ 13,852	$ 13,183
Time deposits	1,021,727
Borrowings	373,500	129,305
Subordinated notes, excluding unamortized debt issuance costs	46,000	50,000
Interest Rate Swap [Member]
Derivative asset	6,942	1,930
Derivative liabilities	0	656
Fair Value, Inputs, Level 1 [Member] \| Reported Value Measurement [Member]
Cash and cash equivalents	43,947	28,219
Fair Value, Inputs, Level 1 [Member] \| Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	43,947	28,219
Fair Value, Inputs, Level 2 [Member] \| Reported Value Measurement [Member]
Securities available-for-sale	342,185	288,667
Securities held-to-maturity, gross	38,111	33,501
Mortgage loans held for sale, at fair value	22,820	43,705
Loans Receivable, Fair Value Disclosure	13,852	13,183
Time deposits	1,021,727	1,130,396
Borrowings	373,500	129,305
Subordinated notes, excluding unamortized debt issuance costs	46,000	50,000
Fair Value, Inputs, Level 2 [Member] \| Reported Value Measurement [Member] \| Forward TBA Mortgage-Backed Securities [Member]
Derivative asset	0	146
Fair Value, Inputs, Level 2 [Member] \| Reported Value Measurement [Member] \| Interest Rate Swap [Member] \| Cash Flow and Fair Value Hedging [Member]
Derivative asset	6,881	1,894
Derivative liabilities	0	656
Fair Value, Inputs, Level 2 [Member] \| Reported Value Measurement [Member] \| Dealer Offsets to Customer Swap [Member]
Derivative asset	61	36
Fair Value, Inputs, Level 2 [Member] \| Reported Value Measurement [Member] \| Customer Swap [Member]
Derivative liabilities	60	36
Fair Value, Inputs, Level 2 [Member] \| Estimate of Fair Value Measurement [Member]
Securities available-for-sale	342,185	288,667
Securities held-to-maturity, gross	37,784	34,396
Mortgage loans held for sale, at fair value	22,820	43,705
Loans Receivable, Fair Value Disclosure	13,852	13,183
Time deposits	1,014,808	1,129,892
Borrowings	371,502	128,360
Subordinated notes, excluding unamortized debt issuance costs	45,292	48,856
Fair Value, Inputs, Level 2 [Member] \| Estimate of Fair Value Measurement [Member] \| Forward TBA Mortgage-Backed Securities [Member]
Derivative asset	0	146
Fair Value, Inputs, Level 2 [Member] \| Estimate of Fair Value Measurement [Member] \| Interest Rate Swap [Member] \| Cash Flow and Fair Value Hedging [Member]
Derivative asset	6,881	1,894
Derivative liabilities	0	656
Fair Value, Inputs, Level 2 [Member] \| Estimate of Fair Value Measurement [Member] \| Dealer Offsets to Customer Swap [Member]
Derivative asset	61	36
Fair Value, Inputs, Level 2 [Member] \| Estimate of Fair Value Measurement [Member] \| Customer Swap [Member]
Derivative liabilities	60	36
Fair Value, Inputs, Level 3 [Member] \| Reported Value Measurement [Member]
Loans receivable, gross, at amortized cost	3,030,740	2,641,926
Fair Value, Inputs, Level 3 [Member] \| Reported Value Measurement [Member] \| Mortgage Servicing Rights [Member]
MSRs, held at lower of cost or fair value	8,887	8,608
Fair Value, Inputs, Level 3 [Member] \| Reported Value Measurement [Member] \| Mandatory and Best Effort Forward Commitments [Member]
Derivative liabilities	528	8
Fair Value, Inputs, Level 3 [Member] \| Reported Value Measurement [Member] \| Interest Rate Lock Commitments [Member]
Derivative asset	50	241
Fair Value, Inputs, Level 3 [Member] \| Estimate of Fair Value Measurement [Member]
Loans receivable, gross, at amortized cost	2,961,184	2,578,744
Fair Value, Inputs, Level 3 [Member] \| Estimate of Fair Value Measurement [Member] \| Mortgage Servicing Rights [Member]
MSRs, held at lower of cost or fair value	27,225	21,800
Fair Value, Inputs, Level 3 [Member] \| Estimate of Fair Value Measurement [Member] \| Mandatory and Best Effort Forward Commitments [Member]
Derivative liabilities	528	8
Fair Value, Inputs, Level 3 [Member] \| Estimate of Fair Value Measurement [Member] \| Interest Rate Lock Commitments [Member]
Derivative asset	$ 50	$ 241

Note 12 - Stock-based Compensation - Schedule of Restricted Stock Awards (Details) - Restricted Stock [Member]	9 Months Ended
	Sep. 30, 2026 $ / shares shares
Beginning balance, RSA (in shares) \| shares	102,971
Beginning balance, Nonvested, Weighted Average Grant Date Fair Value (in dollars per share) \| $ / shares	$ 37.73
Granted, RSA (in shares) \| shares	63,104
Granted, Weighted Average Grant Date Fair Value (in dollars per share) \| $ / shares	$ 43.48
Less vested, RSA (in shares) \| shares	38,505
Less vested, Weighted Average Grant Date Fair Value (in dollars per share) \| $ / shares	$ 36.98
Ending balance, RSA (in shares) \| shares	127,570
Ending balance, Nonvested, Weighted Average Grant Date Fair Value (in dollars per share) \| $ / shares	$ 40.8

Note 4 - Loans Receivable and Allowance for Credit Losses - Loans (Tables)

9 Months Ended

Sep. 30, 2026

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

	September 30,			December 31,
	2026			2025
COMMERCIAL REAL ESTATE ("CRE") LOANS
CRE owner occupied	$	224,764		$	176,078
CRE non-owner occupied		298,385			177,113
Commercial and speculative construction and development		393,005			354,130
Multi-family		297,955			262,150
Total CRE loans		1,214,109			969,471
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		758,537			628,761
Home equity		93,020			88,271
Residential custom construction		56,677			42,329
Total residential real estate		908,234			759,361
CONSUMER LOANS
Indirect home improvement		493,505			525,842
Marine		68,838			68,115
Other consumer		21,714			3,029
Total consumer loans		584,057			596,986
COMMERCIAL BUSINESS LOANS
Commercial and industrial (“C&I”)		322,572			301,111
Warehouse lending		15,620			28,180
Total commercial business loans		338,192			329,291
Total loans receivable, gross		3,044,592			2,655,109
ACL on loans		(36,463	)		(31,937	)
Total loans receivable, net	$	3,008,129		$	2,623,172

Financing Receivable, Allowance for Credit Loss [Table Text Block]

	At or For the Three Months Ended September 30, 2026
			Residential					Commercial
ACL ON LOANS	CRE		Real Estate		Consumer			Business			Total
Beginning balance	$	5,161	$	7,518	$	16,699		$	1,787		$	31,165
Pacific West Acquisition day 1 ACL		3,107		191		285			314			3,897
Provision for credit losses on loans		406		625		1,355			568			2,954
Charge-offs		—		—		(2,134	)		(1	)		(2,135	)
Recoveries		—		—		532			50			582
Net (charge-offs) recoveries		—		—		(1,602	)		49			(1,553	)
Ending balance	$	8,674	$	8,334	$	16,737		$	2,718		$	36,463

	At or For the Three Months Ended September 30, 2025
				Residential						Commercial
ACL ON LOANS	CRE			Real Estate			Consumer			Business			Total
Beginning balance	$	7,070		$	7,654		$	15,075		$	2,390		$	32,189
Provision for (reversal of) credit losses on loans		22			(165	)		2,452			(457	)		1,852
Charge-offs		(2,300	)		—			(2,044	)		—			(4,344	)
Recoveries		—			—			350			9			359
Net (charge-offs) recoveries		(2,300	)		—			(1,694	)		9			(3,985	)
Ending balance	$	4,792		$	7,489		$	15,833		$	1,942		$	30,056

	At or For the Nine Months Ended September 30, 2026
				Residential					Commercial
ACL ON LOANS	CRE			Real Estate		Consumer			Business			Total
Beginning balance	$	5,959		$	7,402	$	15,934		$	2,642		$	31,937
Pacific West Acquisition day 1 ACL		3,107			191		285			314			3,897
Provision for (reversal of) credit losses on loans		1,885			741		5,633			(96	)		8,163
Charge-offs		(2,277	)		—		(6,877	)		(270	)		(9,424	)
Recoveries		—			—		1,762			128			1,890
Net charge-offs		(2,277	)		—		(5,115	)		(142	)		(7,534	)
Ending balance	$	8,674		$	8,334	$	16,737		$	2,718		$	36,463

	At or For the Nine Months Ended September 30, 2025
				Residential					Commercial
ACL ON LOANS	CRE			Real Estate		Consumer			Business			Total
Beginning balance	$	7,001		$	7,440	$	14,185		$	3,244		$	31,870
Provision for (reversal of) credit losses on loans		91			49		5,880			(948	)		5,072
Charge-offs		(2,300	)		—		(5,321	)		(433	)		(8,054	)
Recoveries		—			—		1,089			79			1,168
Net charge-offs		(2,300	)		—		(4,232	)		(354	)		(6,886	)
Ending balance	$	4,792		$	7,489	$	15,833		$	1,942		$	30,056

Financing Receivable, Modified [Table Text Block]

For the Three Months Ended September 30, 2026

For the Nine Months Ended September 30, 2026

Weighted-

Average

Combination

Term

Combination

Term

Total

Extension

Term

Total

Extension

Class of

Payment

Extension

Class of

Payment

COMMERCIAL BUSINESS

Payment

Financing

Delay

Payment

Financing

Delay

LOANS

Delay

Receivable

(in years)

Delay

Receivable

(in years)

C&I

—

545

0.2

1.0

For the Three Months Ended September 30, 2025

For the Nine Months Ended September 30, 2025

Weighted-

Average

Combination

Term

Combination

Term

Total

Extension

Term

Total

Extension

Class of

Payment

Extension

Class of

Payment

Financing

Delay

Payment

Financing

Delay

CRE LOANS

Delay

Receivable

(in years)

Delay

Receivable

(in years)

CRE owner occupied

1,203

0.7

3.3

1,203

0.7

3.3

Financing Receivable, Modified, Past Due [Table Text Block]

	September 30, 2025
	30-59		60-89
	Days		Days		90 Days		Total
	Past		Past		or More		Past
CRE LOANS	Due		Due		Past Due		Due
Commercial and speculative construction and development	$	—	$	—	$	9,150	$	9,150
COMMERCIAL BUSINESS LOANS
C&I	$	—	$	—	$	199	$	199
Total loans	$	—	$	—	$	9,349	$	9,349

Financing Receivable, Past Due [Table Text Block]

	September 30, 2026
	30-59		60-89
	Days		Days		90 Days		Total				Total
	Past		Past		or More		Past				Loans		Non-
CRE LOANS	Due		Due		Past Due		Due		Current		Receivable		Accrual ⁽¹⁾
CRE owner occupied	$	—	$	—	$	1,194	$	1,194	$	223,570	$	224,764	$	3,542
CRE non-owner occupied		—		—		—		—		298,385		298,385		5,623
Commercial and speculative construction and development		—		—		7,824		7,824		385,181		393,005		7,824
Multi-family		—		—		130		130		297,825		297,955		130
Total CRE loans		—		—		9,148		9,148		1,204,961		1,214,109		17,119
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family (excludes loans held for sale)		—		540		1,201		1,741		756,796		758,537		2,327
Home equity		269		65		—		334		92,686		93,020		520
Residential custom construction		—		—		—		—		56,677		56,677		—
Total residential real estate loans		269		605		1,201		2,075		906,159		908,234		2,847
CONSUMER LOANS
Indirect home improvement		4,339		2,155		720		7,214		486,291		493,505		4,421
Marine		758		62		87		907		67,931		68,838		540
Other consumer		17		29		1		47		21,667		21,714		15
Total consumer loans		5,114		2,246		808		8,168		575,889		584,057		4,976
COMMERCIAL BUSINESS LOANS
C&I		28		931		199		1,158		321,414		322,572		199
Warehouse lending		—		—		—		—		15,620		15,620		—
Total commercial business loans		28		931		199		1,158		337,034		338,192		199
Total loans	$	5,411	$	3,782	$	11,356	$	20,549	$	3,024,043	$	3,044,592	$	25,141

	December 31, 2025
	30-59		60-89
	Days		Days		90 Days		Total				Total
	Past		Past		or More		Past				Loans		Non-
CRE LOANS	Due		Due		Past Due		Due		Current		Receivable		Accrual ⁽¹⁾
CRE owner occupied	$	587	$	—	$	844	$	1,431	$	174,647	$	176,078	$	2,049
CRE non-owner occupied		—		—		—		—		177,113		177,113		—
Commercial and speculative construction and development		—		—		9,236		9,236		344,894		354,130		9,236
Multi-family		—		—		—		—		262,150		262,150		—
Total CRE loans		587		—		10,080		10,667		958,804		969,471		11,285
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family (excludes loans held for sale)		1,244		214		84		1,542		627,219		628,761		1,778
Home equity		228		—		71		299		87,972		88,271		390
Residential custom construction		—		—		—		—		42,329		42,329		—
Total residential real estate loans		1,472		214		155		1,841		757,520		759,361		2,168
CONSUMER LOANS
Indirect home improvement		4,829		2,292		1,480		8,601		517,241		525,842		4,256
Marine		254		9		69		332		67,783		68,115		454
Other consumer		54		27		1		82		2,947		3,029		2
Total consumer loans		5,137		2,328		1,550		9,015		587,971		596,986		4,712
COMMERCIAL BUSINESS LOANS
C&I		122		—		580		702		300,409		301,111		580
Warehouse lending		—		—		—		—		28,180		28,180		—
Total commercial business loans		122		—		580		702		328,589		329,291		580
Total loans	$	7,318	$	2,542	$	12,365	$	22,225	$	2,632,884	$	2,655,109	$	18,745

Financing Receivable Credit Quality Indicators [Table Text Block]

	September 30, 2026
															Revolving
															Loans
CRE LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
CRE owner occupied	2026		2025		2024		2023		2022		Prior		Loans		to Term		Loans
Pass	$	24,585	$	41,556	$	9,946	$	21,308	$	42,006	$	37,763	$	22	$	—	$	177,186
Watch		97		687		4,340		5,684		3,652		15,776		—		—		30,236
Special mention		—		—		252		5,848		—		7,018		—		—		13,118
Substandard		—		—		2,948		—		—		1,276		—		—		4,224
Total CRE owner occupied		24,682		42,243		17,486		32,840		45,658		61,833		22		—		224,764
CRE non-owner occupied
Pass		75,525		19,727		8,736		17,170		50,988		109,876		—		—		282,022
Watch		—		—		—		2,745		—		—		—		—		2,745
Special mention		—		—		—		851		—		2,815		—		—		3,666
Substandard		25		—		—		3,002		1,327		5,598		—		—		9,952
Total CRE non-owner occupied		75,550		19,727		8,736		23,768		52,315		118,289		—		—		298,385
Commercial and speculative construction and development
Pass		110,460		187,840		46,038		150		22,402		10,618		7,673		—		385,181
Substandard		—		—		660		—		7,164		—		—		—		7,824
Total commercial and speculative construction and development		110,460		187,840		46,698		150		29,566		10,618		7,673		—		393,005
Commercial and speculative construction and development gross charge-offs		—		—		—		—		2,277		—		—		—		2,277
Multi-family
Pass		17,202		28,765		23,637		9,259		23,513		192,272		—		—		294,648
Substandard		—		130		—		—		—		3,177		—		—		3,307
Total multi-family		17,202		28,895		23,637		9,259		23,513		195,449		—		—		297,955
Total CRE loans	$	227,894	$	278,705	$	96,557	$	66,017	$	151,052	$	386,189	$	7,695	$	—	$	1,214,109
Total CRE loans gross charge-offs	$	—	$	—	$	—	$	—	$	2,277	$	—	$	—	$	—	$	2,277

	September 30, 2026
RESIDENTIAL															Revolving
REAL ESTATE LOANS															Loans
One-to-four-family	Term Loans by Year of Origination												Revolving		Converted		Total
(excludes loans held for sale)	2026		2025		2024		2023		2022		Prior		Loans		to Term		Loans
Pass	$	203,045	$	80,285	$	36,321	$	83,785	$	141,317	$	208,123	$	—	$	—	$	752,876
Watch		—		—		—		—		694		—		—		—		694
Special mention		—		—		—		672		154		—		—		—		826
Substandard		—		—		—		430		665		3,046		—		—		4,141
Total one-to-four-family		203,045		80,285		36,321		84,887		142,830		211,169		—		—		758,537
Home equity
Pass		8,085		3,387		828		1,188		266		6,984		70,362		1,400		92,500
Substandard		—		—		—		—		—		72		448		—		520
Total home equity		8,085		3,387		828		1,188		266		7,056		70,810		1,400		93,020
Residential custom construction
Pass		27,601		25,394		2,278		815		589		—		—		—		56,677
Total residential custom construction		27,601		25,394		2,278		815		589		—		—		—		56,677
Total residential real estate loans	$	238,731	$	109,066	$	39,427	$	86,890	$	143,685	$	218,225	$	70,810	$	1,400	$	908,234

	September 30, 2026
															Revolving
															Loans
CONSUMER LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
Indirect home improvement	2026		2025		2024		2023		2022		Prior		Loans		to Term		Loans
Pass	$	70,314	$	85,242	$	52,821	$	83,058	$	109,505	$	88,144	$	—	$	—	$	489,084
Substandard		89		687		811		906		1,068		860		—		—		4,421
Total indirect home improvement		70,403		85,929		53,632		83,964		110,573		89,004		—		—		493,505
Indirect home improvement gross charge-offs		82		1,114		1,247		1,331		1,372		1,296		—		—		6,442
Marine
Pass		11,730		6,284		8,583		7,902		14,699		19,100		—		—		68,298
Substandard		—		25		—		—		109		406		—		—		540
Total marine		11,730		6,309		8,583		7,902		14,808		19,506		—		—		68,838
Marine gross charge-offs		—		7		39		4		123		95		—		—		268
Other consumer
Pass		3,687		4,429		3,267		5,350		2,655		86		2,225		—		21,699
Substandard		—		—		8		—		—		—		7		—		15
Total other consumer		3,687		4,429		3,275		5,350		2,655		86		2,232		—		21,714
Other consumer gross charge-offs		—		5		—		—		1		78		83		—		167
Total consumer loans	$	85,820	$	96,667	$	65,490	$	97,216	$	128,036	$	108,596	$	2,232	$	—	$	584,057
Total consumer loans gross charge-offs	$	82	$	1,126	$	1,286	$	1,335	$	1,496	$	1,469	$	83	$	—	$	6,877

	September 30, 2026
															Revolving
COMMERCIAL															Loans
BUSINESS LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
C&I	2026		2025		2024		2023		2022		Prior		Loans		to Term		Loans
Pass	$	15,213	$	33,049	$	49,555	$	24,984	$	12,347	$	17,545	$	129,608	$	4,636	$	286,937
Watch		24		18,043		390		398		486		363		6,074		—		25,778
Special mention		272		218		—		—		—		469		5,431		—		6,390
Substandard		—		172		42		17		56		1,884		397		899		3,467
Total C&I		15,509		51,482		49,987		25,399		12,889		20,261		141,510		5,535		322,572
C&I gross charge-offs		—		—		—		83		—		38		149		—		270
Warehouse lending
Pass		—		—		—		—		—		—		15,617		—		15,617
Special mention		—		—		—		—		—		—		3		—		3
Total warehouse lending		—		—		—		—		—		—		15,620		—		15,620
Total commercial business loans	$	15,509	$	51,482	$	49,987	$	25,399	$	12,889	$	20,261	$	157,130	$	5,535	$	338,192
Total commercial business loans gross charge-offs	$	—	$	—	$	—	$	83	$	—	$	38	$	149	$	—	$	270

TOTAL LOANS RECEIVABLE, GROSS
Pass	$	567,447	$	515,958	$	242,010	$	254,969	$	420,287	$	690,511	$	225,507	$	6,036	$	2,922,725
Watch		121		18,730		4,730		8,827		4,832		16,139		6,074		—		59,453
Special mention		272		218		252		7,371		154		10,302		5,434		—		24,003
Substandard		114		1,014		4,469		4,355		10,389		16,319		852		899		38,411
Total loans receivable, gross	$	567,954	$	535,920	$	251,461	$	275,522	$	435,662	$	733,271	$	237,867	$	6,935	$	3,044,592
Total gross charge-offs	$	82	$	1,126	$	1,286	$	1,418	$	3,773	$	1,507	$	232	$	—	$	9,424

	December 31, 2025
															Revolving
															Loans
CRE LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
CRE owner occupied	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	37,809	$	4,148	$	21,485	$	35,169	$	10,625	$	34,840	$	—	$	—	$	144,076
Watch		142		600		4,084		6,167		14,137		4,438		—		—		29,568
Special mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		2,434		—		—		2,434
Total CRE owner occupied		37,951		4,748		25,569		41,336		24,762		41,712		—		—		176,078
CRE non-owner occupied
Pass		9,467		8,362		15,734		49,708		34,888		51,951		—		475		170,585
Special mention		—		—		—		1,354		—		2,113		—		—		3,467
Substandard		—		—		3,061		—		—		—		—		—		3,061
Total CRE non-owner occupied		9,467		8,362		18,795		51,062		34,888		54,064		—		475		177,113
Commercial and speculative construction and development
Pass		188,568		96,592		19,623		22,343		10,004		63		7,701		—		344,894
Substandard		—		—		—		9,236		—		—		—		—		9,236
Total commercial and speculative construction and development		188,568		96,592		19,623		31,579		10,004		63		7,701		—		354,130
Commercial and speculative construction and development gross charge-offs		—		—		—		2,300		—		—		—		—		2,300
Multi-family
Pass		26,491		20,750		7,017		19,921		85,961		102,010		—		—		262,150
Total multi-family		26,491		20,750		7,017		19,921		85,961		102,010		—		—		262,150
Total CRE loans	$	262,477	$	130,452	$	71,004	$	143,898	$	155,615	$	197,849	$	7,701	$	475	$	969,471
Total CRE loans gross charge-offs	$	—	$	—	$	—	$	2,300	$	—	$	—	$	—	$	—	$	2,300

	December 31, 2025
RESIDENTIAL															Revolving
REAL ESTATE LOANS															Loans
One-to-four-family	Term Loans by Year of Origination												Revolving		Converted		Total
(excludes loans held for sale)	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	93,883	$	56,292	$	102,074	$	149,010	$	97,732	$	124,942	$	—	$	502	$	624,435
Watch		—		—		—		710		—		—		—		—		710
Substandard		—		—		673		—		—		2,943		—		—		3,616
Total one-to-four-family		93,883		56,292		102,747		149,720		97,732		127,885		—		502		628,761
Home equity
Pass		11,609		1,595		1,615		287		1,189		6,432		65,154		—		87,881
Substandard		—		—		—		—		—		80		310		—		390
Total home equity		11,609		1,595		1,615		287		1,189		6,512		65,464		—		88,271
Residential custom construction
Pass		31,650		8,097		1,230		1,352		—		—		—		—		42,329
Total residential custom construction		31,650		8,097		1,230		1,352		—		—		—		—		42,329
Total residential real estate loans	$	137,142	$	65,984	$	105,592	$	151,359	$	98,921	$	134,397	$	65,464	$	502	$	759,361

	December 31, 2025
															Revolving
															Loans
CONSUMER LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
Indirect home improvement	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	111,727	$	67,451	$	100,504	$	131,844	$	58,058	$	52,002	$	—	$	—	$	521,586
Substandard		434		792		1,011		1,124		323		572		—		—		4,256
Total indirect home improvement		112,161		68,243		101,515		132,968		58,381		52,574		—		—		525,842
Indirect home improvement gross charge-offs		261		1,763		1,647		2,025		884		753		—		—		7,333
Marine
Pass		7,619		10,210		9,647		17,126		7,366		15,693		—		—		67,661
Substandard		—		—		5		111		94		244		—		—		454
Total marine		7,619		10,210		9,652		17,237		7,460		15,937		—		—		68,115
Marine gross charge-offs		—		63		42		—		11		101		—		—		217
Other consumer
Pass		255		94		37		88		6		108		2,439		—		3,027
Substandard		—		—		—		1		—		—		1		—		2
Total other consumer		255		94		37		89		6		108		2,440		—		3,029
Other consumer gross charge-offs		—		6		—		—		2		56		117		—		181
Total consumer loans	$	120,035	$	78,547	$	111,204	$	150,294	$	65,847	$	68,619	$	2,440	$	—	$	596,986
Total consumer loans gross charge-offs	$	261	$	1,832	$	1,689	$	2,025	$	897	$	910	$	117	$	—	$	7,731

	December 31, 2025
															Revolving
COMMERCIAL															Loans
BUSINESS LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
C&I	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	48,052	$	55,033	$	18,762	$	12,437	$	12,048	$	11,105	$	123,306	$	2,121	$	282,864
Watch		—		—		—		—		1,017		—		6,303		16		7,336
Special mention		—		—		5,000		—		—		1,391		648		—		7,039
Substandard		191		—		84		—		1,592		1,199		806		—		3,872
Total C&I		48,243		55,033		23,846		12,437		14,657		13,695		131,063		2,137		301,111
C&I gross charge-offs		—		—		—		—		433		—		—		—		433
Warehouse lending
Pass		—		—		—		—		—		—		28,177		—		28,177
Special mention		—		—		—		—		—		—		3		—		3
Total warehouse lending		—		—		—		—		—		—		28,180		—		28,180
Total commercial business loans	$	48,243	$	55,033	$	23,846	$	12,437	$	14,657	$	13,695	$	159,243	$	2,137	$	329,291
Total commercial business loans gross charge-offs	$	—	$	—	$	—	$	—	$	433	$	—	$	—	$	—	$	433

TOTAL LOANS RECEIVABLE, GROSS
Pass	$	567,130	$	328,624	$	297,728	$	439,285	$	317,877	$	399,146	$	226,777	$	3,098	$	2,579,665
Watch		142		600		4,084		6,877		15,154		4,438		6,303		16		37,614
Special mention		—		—		5,000		1,354		—		3,504		651		—		10,509
Substandard		625		792		4,834		10,472		2,009		7,472		1,117		—		27,321
Total loans receivable, gross	$	567,897	$	330,016	$	311,646	$	457,988	$	335,040	$	414,560	$	234,848	$	3,114	$	2,655,109
Total gross charge-offs	$	261	$	1,832	$	1,689	$	4,325	$	1,330	$	910	$	117	$	—	$	10,464

Financing Receivable, Nonaccrual [Table Text Block]

	September 30, 2026						December 31, 2025
	Nonaccrual with		Nonaccrual with		Total		Nonaccrual with		Nonaccrual with		Total
CRE LOANS	No ACL		ACL		Nonaccrual		No ACL		ACL		Nonaccrual
CRE owner occupied	$	3,542	$	—	$	3,542	$	2,049	$	—	$	2,049
CRE non-owner occupied		—		5,623		5,623		—		—		—
Commercial and speculative construction and development		7,824		—		7,824		—		9,236		9,236
Multi-family		130		—		130		—		—		—
Total		11,496		5,623		17,119		2,049		9,236		11,285

RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		2,327		—		2,327		1,778		—		1,778
Home equity		520		—		520		390		—		390
Total		2,847		—		2,847		2,168		—		2,168

CONSUMER LOANS
Indirect home improvement		—		4,421		4,421		—		4,256		4,256
Marine		—		540		540		—		454		454
Other consumer		—		15		15		—		2		2
Total		—		4,976		4,976		—		4,712		4,712
COMMERCIAL BUSINESS LOANS
C&I		199		—		199		415		165		580
Total	$	14,542	$	10,599	$	25,141	$	4,632	$	14,113	$	18,745

Financing Receivable, Collateral Dependent Loans [Table Text Block]

	September 30, 2026								December 31, 2025
			Residential		Other						Residential		Other
			Real		Non-Real						Real		Non-Real
CRE LOANS	CRE		Estate		Estate		Total		CRE		Estate		Estate		Total
CRE owner occupied	$	3,542	$	—	$	—	$	3,542	$	2,049	$	—	$	—	$	2,049
CRE non-owner occupied		5,623		—		—		5,623		—		—		—		—
Commercial and speculative construction and development		7,824		—		—		7,824		9,236		—				9,236
Multi-family		130		—		—		130		—		—		—		—
Subtotal		17,119		—		—		17,119		11,285		—		—		11,285

RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		—		2,327		—		2,327		—		1,778		—		1,778
Home equity		—		520		—		520		—		390		—		390
Subtotal		—		2,847		—		2,847		—		2,168		—		2,168

CONSUMER LOANS
Indirect home improvement		—		—		4,421		4,421		—		—		4,256		4,256
Marine		—		—		540		540		—		—		454		454
Subtotal		—		—		4,961		4,961		—		—		4,710		4,710
COMMERCIAL BUSINESS LOANS
C&I		—		—		199		199		—		—		398		398
Total	$	17,119	$	2,847	$	5,160	$	25,126	$	11,285	$	2,168	$	5,108	$	18,561

Note 7 - Leases - Schedule of Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Operating lease cost	$ 436	$ 494	$ 1,166	$ 1,459
Short-term lease cost	3	7	14	21
Total lease cost	$ 439	$ 501	$ 1,180	$ 1,480

Note 10 - Fair Value Measurements - Schedule of Financial Assets on a Non-recurring Basis (Details) - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Collateral Dependent Loans [Member]
Collateral dependent loans	$ 12,783	$ 9,236
Mortgage Servicing Rights [Member]
Collateral dependent loans	27,225	21,800
Fair Value, Inputs, Level 1 [Member] \| Collateral Dependent Loans [Member]
Collateral dependent loans	0	0
Fair Value, Inputs, Level 1 [Member] \| Mortgage Servicing Rights [Member]
Collateral dependent loans	0	0
Fair Value, Inputs, Level 2 [Member] \| Collateral Dependent Loans [Member]
Collateral dependent loans	0	0
Fair Value, Inputs, Level 2 [Member] \| Mortgage Servicing Rights [Member]
Collateral dependent loans	0	0
Fair Value, Inputs, Level 3 [Member] \| Collateral Dependent Loans [Member]
Collateral dependent loans	12,783	9,236
Fair Value, Inputs, Level 3 [Member] \| Mortgage Servicing Rights [Member]
Collateral dependent loans	$ 27,225	$ 21,800

Note 5 - Mortgage Servicing Rights

9 Months Ended

Sep. 30, 2026

Transfers and Servicing of Financial Assets [Text Block]

NOTE 5 – MORTGAGE SERVICING RIGHTS

Loans serviced for others are not included on the Consolidated Balance Sheets. The unpaid principal balance of residential mortgage loans serviced for others was $1.71 billion and $1.67 billion at September 30, 2026 and December 31, 2025, respectively. Custodial escrow balances maintained in connection with loans serviced for others were $20.0 million and $10.9 million at September 30, 2026 and December 31, 2025, respectively.

The following table summarizes MSRs activity at or for the dates indicated:

	At or For the Three Months Ended
	September 30,
	2026			2025
Beginning balance, at the lower of cost or fair value	$	8,912		$	8,652
Additions		661			510
MSRs amortized		(691	)		(662	)
Recovery of MSRs		5			6
Ending balance, at the lower of cost or fair value	$	8,887		$	8,506

	At or For the Nine Months Ended
	September 30,
	2026			2025
Beginning balance, at the lower of cost or fair value	$	8,608		$	9,204
Additions		2,476			1,242
MSRs amortized		(2,261	)		(1,917	)
Recovery (impairment) of MSRs		64			(23	)
Ending balance, at the lower of cost or fair value	$	8,887		$	8,506

The fair value of the MSRs asset was $27.2 million and $21.8 million at September 30, 2026 and December 31, 2025, respectively. Changes in the fair value of MSRs are primarily affected by changes in assumptions used to estimate discounted cash flows, including loan prepayment speeds and changes in discount rates, which are influenced by market interest rates. A significant change in prepayments of the loans in the MSRs portfolio could result in significant changes in the valuation adjustments, thus creating potential volatility in the carrying amount of MSRs.

Key economic assumptions used in estimating the current fair value of single-family MSRs are presented in the table below. The table also presents the sensitivity of the fair value of the MSR portfolio to adverse changes in key valuation assumptions. Two sets of sensitivities are provided: (i) prepayment sensitivity, reflecting the impact of 10% and 20% adverse relative changes in prepayment speeds while holding the discount rate constant; and (ii) discount rate sensitivity, reflecting the impact of 10% and 20% adverse relative changes in the discount rate while holding the prepayment assumption constant.

	September 30,			December 31,
	2026			2025
Aggregate portfolio principal balance	$	1,714,450		$	1,673,501
Weighted average rate of loans in MSRs portfolio		4.6	%		4.4	%
Fair value of MSRs	$	27,225		$	21,800
Weighted average life in years		9.1			7.7
Weighted average constant prepayment rate		5.6	%		8.5	%
Decline in fair value from 10% adverse change (prepayment)	$	709		$	736
Decline in fair value from 20% adverse change (prepayment)	$	857		$	1,253
Effective discount rate		9.1	%		9.1	%
Decline in fair value from 10% adverse change (discount rate)	$	1,220		$	899
Decline in fair value from 20% adverse change (discount rate)	$	2,343		$	1,730

These sensitivities are hypothetical and should be used with caution, as the table above demonstrates that the estimated fair value of MSRs is highly sensitive to changes in key assumptions. For example, actual prepayment experience may differ and any difference may have a material effect on the fair value of MSRs. Changes in fair value resulting from changes in assumptions generally cannot be extrapolated because the relationship of the change in the assumption to the change in fair value may not be linear. Also, in this table, the effects of a variation in a particular assumption on the fair value of MSRs are calculated without changing any other assumption; in reality, changes in one factor may be associated with changes in another (for example, decreases in market interest rates may provide an incentive to refinance, however, this may also indicate a slowing economy and an increase in the unemployment rate, which reduces the number of borrowers who qualify for refinancing), which may magnify or counteract the sensitivities. Thus, any measurement of the fair value of MSRs is limited by the conditions existing and assumptions made at a particular point in time. Those assumptions may not be appropriate if they are applied to a different time.

The Company recorded $1.1 million and $1.1 million for gross contractually specified servicing fees, late fees, and other ancillary fees resulting from servicing of loans for the three months ended September 30, 2026 and 2025, respectively, and $3.4 million and $3.3 million for the nine months ended September 30, 2026 and 2025, respectively. The related income, net of amortization of MSRs, is reported in “Service charges and fee income” on the Consolidated Statements of Income.

The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.

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Note 9 - Commitments and Contingencies

9 Months Ended

Sep. 30, 2026

Commitments and Contingencies Disclosure [Text Block]

NOTE 9 – COMMITMENTS AND CONTINGENCIES

Commitments – The Company is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit. These instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized on the Consolidated Balance Sheets.

The Company’s exposure to credit loss in the event of nonperformance by the other party to these financial instruments is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.

The following table provides a summary of the Company’s commitments at the dates indicated:

COMMITMENTS TO EXTEND CREDIT	September 30,		December 31,
CRE LOANS	2026		2025
CRE	$	9,871	$	2,204
Commercial and speculative construction and development		207,875		198,176
Multi-family		6,258		6,676
Total CRE loans		224,004		207,056
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family (including loans held for sale)		34,288		28,977
Home equity		104,326		100,071
Residential custom construction		48,024		37,213
Total residential real estate loans		186,638		166,261
CONSUMER LOANS		30,034		29,646
COMMERCIAL BUSINESS LOANS
C&I		219,731		160,277
Warehouse lending		64,697		42,145
Total commercial business loans		284,428		202,422
Total commitments to extend credit	$	725,104	$	605,385

Commitments to extend credit are agreements to lend to a customer provided there is no violation of any condition established in the contract. Since many of the commitments are expected to expire without being drawn upon, the amount of the total commitments does not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the party. Collateral held varies, but may include accounts receivable, inventory, property and equipment, residential real estate, and income-producing commercial properties.

Unfunded commitments under commercial lines of credit, revolving credit lines, and overdraft protection agreements represent potential future extensions of credit to existing customers. These commitments generally do not contain a specified maturity date and may not be drawn upon to the total extent to which the Company is committed. The Company maintains an ACL – unfunded loan commitments for all arrangements that are not unconditionally cancellable, consistent with the Company's CECL methodology. The ACL on unfunded loan commitments is recorded within “Other liabilities” on the Consolidated Balance Sheets. The Company's ACL on unfunded loan commitments at September 30, 2026 and December 31, 2025, was $2.1 million and $1.8 million, respectively. The Company recorded a provision for credit losses – unfunded loan commitments of $409,000 and $371,000 for the three and nine months ended September 30, 2026, respectively, as compared to provisions of $457,000 and $675,000 for the three and nine months ended September 30, 2025. The increase in provision for the three and nine months ended September 30, 2026, was primarily attributable to an increase in commercial and speculative construction and development loan commitments, primarily resulting from organic loan growth and loans acquired in the Pacific West Acquisition.

A portion of the one-to-four-family commitments included in the table above is accounted for as fair value derivatives and do not carry an associated reserve. The Company's derivative positions are presented with the discussion in “Note 6 – Derivatives.”

The Company also sells one-to-four-family loans to the FHLB of Des Moines under agreements that require a limited level of recourse in the event of borrower default. Under the recourse structure, losses on defaulted loans are first absorbed by a first loss account (“FLA”) established by the FHLB of Des Moines, and thereafter by a credit enhancement (“CE”) obligation required of the Bank. The FLA and CE obligation function as sequential layers of credit protection for the FHLB of Des Moines on the sold loan portfolio. As of September 30, 2026, the outstanding unpaid principal balance of loans sold to the FHLB of Des Moines was $8.0 million. The FLA balance was $581,000 and the CE obligation balance was $302,000 at that date. Management has established a loss reserve holdback equal to 10% of the outstanding CE obligation, or $30,000, based on management's analysis of historical loss experience and additional market factors. This holdback is included in the Company’s broader reserve for off-balance sheet credit exposures related to loans sold. At both September 30, 2026 and December 31, 2025, there were no loans sold to the FHLB of Des Moines with contractual payments greater than 30 days past due.

Contingent liabilities for loans held for sale – In the ordinary course of business, loans are sold with limited recourse against the Company and may have to subsequently be repurchased due to defects that occurred during the origination of the loan. The defects are categorized as documentation errors, underwriting errors, early payoff, early payment defaults, breach of representation or warranty, servicing errors, and/or fraud. When a loan sold to an investor with limited recourse fails to perform according to its contractual terms, the investor will typically review the loan file to determine whether defects in the origination process occurred. If a defect is identified, the Company may be required to either repurchase the loan or indemnify the investor for losses sustained. If there are no such defects, the Company has no commitment to repurchase the loan. The Company has recorded a holdback reserve of $609,000 and $1.8 million to cover loss exposure related to these guarantees for one-to-four-family loans sold into the secondary market at September 30, 2026 and December 31, 2025, respectively, which is included in “Other liabilities” on the Consolidated Balance Sheets.

The Company has entered into change of control agreements with its executives and select key personnel. The change of control agreements, subject to certain requirements, generally remain in effect until canceled by either party upon at least 24 months prior written notice. Under the change of control agreements, the executive generally will be entitled to a change of control payment from the Company if the executive is involuntarily terminated within six months preceding or 12 months after a change in control (as defined in the change of control agreements). In such an event, the executives would each be entitled to receive a cash payment in an amount equal to 12 months of their then current salary, subject to certain requirements in the change of control agreements.

As a result of the nature of our activities, the Company is subject to various pending and threatened legal actions, which arise in the ordinary course of business. From time to time, subordination liens may create litigation that requires the Company to defend its lien rights. In the opinion of management, liabilities arising from these claims, if any, will not have a material effect on the Company's financial position. The Company had no material pending legal actions at September 30, 2026.

Note 7 - Leases (Tables)

9 Months Ended

Sep. 30, 2026

Lease, Cost [Table Text Block]

	Three Months Ended September 30,
Lease cost:	2026		2025
Operating lease cost	$	436	$	494
Short-term lease cost		3		7
Total lease cost	$	439	$	501

	Nine Months Ended September 30,
Lease cost:	2026		2025
Operating lease cost	$	1,166	$	1,459
Short-term lease cost		14		21
Total lease cost	$	1,180	$	1,480

Lessee, Operating Lease, Supplemental Cash Flow Information [Table Text Block]

	At or For the Three months Ended September 30,
Cash paid for amounts included in the measurement of lease liabilities:	2026			2025
Operating cash flows from operating leases	$	413		$	508
Weighted average remaining lease term- operating leases (in years)		5.4			4.7
Weighted average discount rate- operating leases		4.35	%		3.83	%

	At or For the Nine Months Ended September 30,
Cash paid for amounts included in the measurement of lease liabilities:	2026			2025
Operating cash flows from operating leases	$	1,155		$	1,496
Weighted average remaining lease term- operating leases (in years)		5.4			4.7
Weighted average discount rate- operating leases		4.35	%		3.83	%

Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block]

Remainder of 2026	$	504
2027		1,957
2028		1,464
2029		1,196
2030		866
Thereafter		3,347
Total lease payments		9,334
Less imputed interest		(1,435	)
Total	$	7,899

Note 8 - Deposits - Schedule of Deposit Liabilities (Details) - USD ($)
$ in Thousands

Sep. 30, 2026

Dec. 31, 2025

Noninterest-bearing checking

$ 738,715

$ 647,197

Interest-bearing checking

^[1]

470,532

335,449

Savings

181,400

164,056

Money market

^[2]

434,854

385,618

Certificates of deposit less than $100,000

^[3]

387,858

512,808

Certificates of deposit of $100,000 through $250,000

460,615

452,666

Certificates of deposit greater than $250,000

173,254

164,922

Escrow accounts related to mortgages serviced

^[4]

19,976

10,926

Total deposits

$ 2,867,204

$ 2,673,642

[1]	Includes none and $140.2 million of brokered deposits at September 30, 2026 and December 31, 2025, respectively.
[2]	Includes $1.0 million and $20.3 million of brokered deposits at September 30, 2026 and December 31, 2025, respectively
[3]	Includes $75.1 million and $202.1 million of brokered deposits at September 30, 2026 and December 31, 2025, respectively.
[4]	Noninterest-bearing accounts.

Note 2 - Business Combination (Tables)

9 Months Ended

Sep. 30, 2026

Business Combination [Table Text Block]

Purchase price of Pacific West	At August 19, 2026
Fair Value of FS Bancorp common stock at $42.82⁽¹⁾ per share for 430,149 shares			$	18,419
Cash paid				16,868
Total purchase price				35,287

Fair value of assets acquired:
Cash and cash equivalents	$	153,001
Securities available-for-sale		49,439
Loans receivable, net		252,560
Premises and equipment		5,239
Deferred tax asset		1,516
Cash surrender value of BOLI		4,801
Operating lease right-of-use assets		1,492
Intangible assets – CDI		5,260
Accrued interest receivable and other assets		3,156
Total assets and identifiable intangible assets acquired	$	476,464

Fair value of liabilities assumed:
Deposits	$	435,614
Accrued interest payable and other liabilities		3,905
Total liabilities assumed	$	439,519

Fair value of net assets and identifiable intangible assets acquired				36,945
Bargain purchase gain			$	1,658

Financing Receivable, Purchased with Credit Deterioration [Table Text Block]

	At August 19, 2026
Unpaid principal balance of PCD loans	$	29,819
PCD ACL at acquisition		(2,122	)
Non-credit discount on PCD loans		(3,174	)
Fair value of PCD loans	$	24,523

Business Combination, Pro Forma Information [Table Text Block]

	Unaudited Pro Forma for the
	Three Months Ended September 30,				Nine Months Ended September 30,
	2026		2025		2026		2025
Net interest income	$	36,870	$	35,965	$	109,144	$	105,883
Noninterest income ⁽¹⁾		4,680		5,817		17,311		18,438
Net income before provision for income taxes ⁽¹⁾		7,661		11,779		30,055		29,157

Tabular disclosure of business combination. Includes, but is not limited to, recognized asset and liability.

Note 13 - Regulatory Capital (Tables)

9 Months Ended

Sep. 30, 2026

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

																To be Well Capitalized
											For Capital					Under Prompt
						For Capital					Adequacy With					Corrective
	Actual					Adequacy Purposes					Capital Buffer					Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
At September 30, 2026
Total risk-based capital (to risk-weighted assets)
Consolidated	$	410,851		12.35	%	$	266,167		8.00	%	$	349,345		10.50	%		N/A		N/A
Bank Only		419,574		12.61	%		266,167		8.00	%		349,345		10.50	%		332,709		10.00	%
Tier 1 risk-based capital (to risk-weighted assets)
Consolidated		335,072		10.07	%		199,626		6.00	%	$	282,803		8.50	%		N/A		N/A
Bank Only		380,595		11.44	%		199,626		6.00	%		282,803		8.50	%		266,167		8.00	%
Tier 1 leverage capital (to average assets)
Consolidated		335,072		9.89	%		135,501		4.00	%		N/A		N/A			N/A		N/A
Bank Only		380,595		11.24	%		135,501		4.00	%		N/A		N/A			169,376		5.00	%
CET1 capital (to risk-weighted assets)
Consolidated		335,072		10.07	%		149,719		4.50	%	$	232,897		7.00	%		N/A		N/A
Bank Only		380,595		11.44	%		149,719		4.50	%		232,897		7.00	%		216,261		6.50	%

At December 31, 2025
Total risk-based capital (to risk-weighted assets)
Consolidated	$	393,396		14.25	%	$	220,788		8.00	%	$	289,785		10.50	%		N/A		N/A
Bank Only		385,215		13.96	%		220,788		8.00	%		289,785		10.50	%		275,986		10.00	%
Tier 1 risk-based capital (to risk-weighted assets)
Consolidated		309,413		11.21	%		165,592		6.00	%		234,588		8.50	%		N/A		N/A
Bank Only		351,232		12.73	%		165,592		6.00	%		234,588		8.50	%		220,788		8.00	%
Tier 1 leverage capital (to average assets)
Consolidated		309,413		9.66	%		128,160		4.00	%		N/A		N/A			N/A		N/A
Bank Only		351,232		10.96	%		128,160		4.00	%		N/A		N/A			160,200		5.00	%
CET1 capital (to risk-weighted assets)
Consolidated		309,413		11.21	%		124,194		4.50	%		193,190		7.00	%		N/A		N/A
Bank Only		351,232		12.73	%		124,194		4.50	%		193,190		7.00	%		179,392		6.50	%

Note 8 - Deposits - Schedule Interest Expense by Category (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Interest-bearing checking	$ 2,621	$ 1,007	$ 6,919	$ 2,573
Savings and money market	2,701	2,167	7,384	6,136
Certificates of deposit	8,711	11,688	28,351	33,731
Total	$ 14,033	$ 14,862	$ 42,654	$ 42,440

Note 2 - Business Combination (Details Textual) - USD ($)
$ / shares in Units, $ in Thousands

3 Months Ended

9 Months Ended

Aug. 19, 2026

Sep. 30, 2026

Sep. 30, 2025

Sep. 30, 2026

Sep. 30, 2025

Business Combination, Bargain Purchase, Gain Recognized, Amount

$ 1,658

$ 0

$ 1,658

$ 0

Business Combination, Acquisition-Related Cost, Expense

2,463

$ 0

3,175

$ 0

Pacific West [Member]

Business Combination, Consideration Transferred

$ 35,287

Business Combination, Consideration Transferred, Equity Interest, Share Issued, Number of Shares (in shares)

^[1]

430,149

Payments to Acquire Businesses, Gross

$ 16,868

Business Combination, Bargain Purchase, Gain Recognized, Amount

$ 1,658

1,700

Business Combination, Share Buyout, Price Per Share (in dollars per share)

$ 12.93

Business Combination, Percentage of Acquiree Transferred in Stock

82.70%

Business Combination, Share Conversion Ratio

0.3

Business Combination, Percentage of Acquiree Transferred in Cash

17.30%

Business Combination, Fractional Shares, Price Per Share (in dollars per share)

$ 43.12

Business Combination, Acquisition-Related Cost, Expense

$ 2,500

$ 3,200

Business Combination, Acquired Receivable, Purchased without Credit Deterioration, Contractual Cash Flow, Estimated Uncollectible

$ 1,800

Intangible Asset, Finite-Lived, Acquired, Weighted-Average Amortization Period (Year)

10 years

Pacific West [Member] | Financial Asset Acquired with Credit Deterioration [Member]

Business Combination, Acquired Receivable, Purchased without Credit Deterioration, Fair Value

$ 228,000

Business Combination, Acquired Receivable, Purchased without Credit Deterioration, Gross Contractual Amount

$ 230,600

[1]	Stock price is as of the closing date.

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance (in shares) at Dec. 31, 2024	7,833,014
Balance at Dec. 31, 2024	$ 78	$ 55,716	$ 257,113	$ (17,140)	$ 295,767
Net income	0	0	24,926	0	24,926
Dividends paid	0	0	(8,157)	0	(8,157)
Share-based compensation	$ 0	1,621	0	0	1,621
Issuance of common stock - employee stock purchase plan (in shares)	23,456
Issuance of common stock - employee stock purchase plan	$ 0	937	0	0	937
Restricted stock awards (in shares)	37,872
Restricted stock awards	$ 0	0	0	0	0
Common stock repurchased for employee/director taxes paid on restricted stock awards (in shares)	(10,881)
Common stock repurchased for employee/director taxes paid on restricted stock awards	$ 0	(464)	0	0	(464)
Common stock repurchased – repurchase plan (in shares)	(354,131)
Common stock repurchased – repurchase plan	$ (3)	(13,883)	0	0	(13,886)
Less exercised, options (in shares)	6,000
Stock options exercised, net	$ 0	(20)	0	0	(20)
Other comprehensive income, net of tax	$ 0	0	0	(213)	(213)
Balance (in shares) at Sep. 30, 2025	7,535,330
Balance at Sep. 30, 2025	$ 75	43,907	273,882	(17,353)	300,511
Balance (in shares) at Jun. 30, 2025	7,618,543
Balance at Jun. 30, 2025	$ 76	48,418	268,509	(19,800)	297,203
Net income	0	0	9,177	0	9,177
Dividends paid	0	0	(3,804)	0	(3,804)
Share-based compensation	$ 0	583	0	0	583
Issuance of common stock - employee stock purchase plan (in shares)	7,328
Issuance of common stock - employee stock purchase plan	$ 0	287	0	0	287
Restricted stock awards (in shares)	37,872
Restricted stock awards	$ 0	0	0	0	0
Common stock repurchased for employee/director taxes paid on restricted stock awards (in shares)	(10,881)
Common stock repurchased for employee/director taxes paid on restricted stock awards	$ 0	(464)	0	0	(464)
Common stock repurchased – repurchase plan (in shares)	(123,532)
Common stock repurchased – repurchase plan	$ (1)	(4,897)	0	0	(4,898)
Less exercised, options (in shares)	6,000
Stock options exercised, net	$ 0	(20)	0	0	(20)
Other comprehensive income, net of tax	$ 0	0	0	2,447	2,447
Balance (in shares) at Sep. 30, 2025	7,535,330
Balance at Sep. 30, 2025	$ 75	43,907	273,882	(17,353)	300,511
Balance (in shares) at Dec. 31, 2025	7,507,519
Balance at Dec. 31, 2025	$ 75	43,251	280,197	(15,829)	307,694
Net income	0	0	20,692	0	20,692
Dividends paid	0	0	(6,481)	0	(6,481)
Share-based compensation	$ 0	1,897	0	0	1,897
Issuance of common stock - employee stock purchase plan (in shares)	25,646
Issuance of common stock - employee stock purchase plan	$ 1	1,083	0		1,084
Restricted stock awards (in shares)	63,104
Restricted stock awards	$ 1	(1)	0	0	0
Common stock repurchased for employee/director taxes paid on restricted stock awards (in shares)	(26,922)
Common stock repurchased for employee/director taxes paid on restricted stock awards	$ 0	(538)	0	0	(538)
Common stock repurchased – repurchase plan (in shares)	(146,689)
Common stock repurchased – repurchase plan	$ (2)	(6,262)	0	0	$ (6,264)
Less exercised, options (in shares)	14,560				14,560
Stock options exercised, net	$ 0	(143)	0	0	$ (143)
Other comprehensive income, net of tax	$ 0	0	0	(3,154)	(3,154)
Issuance of common stock - Pacific West Acquisition (in shares)	430,149
Issuance of common stock - Pacific West Acquisition	$ 4	18,415	0	0	18,419
Balance (in shares) at Sep. 30, 2026	7,867,367
Balance at Sep. 30, 2026	$ 79	57,702	294,408	(18,983)	333,206
Balance (in shares) at Jun. 30, 2026	7,423,772
Balance at Jun. 30, 2026	$ 74	40,886	291,635	(13,635)	318,960
Net income	0	0	4,926	0	4,926
Dividends paid	0	0	(2,153)	0	(2,153)
Share-based compensation	$ 0	627	0	0	627
Issuance of common stock - employee stock purchase plan (in shares)	7,368
Issuance of common stock - employee stock purchase plan	$ 0	319	0	0	319
Restricted stock awards (in shares)	63,104
Restricted stock awards	$ 1	(1)	0	0	0
Common stock repurchased for employee/director taxes paid on restricted stock awards (in shares)	(12,362)
Common stock repurchased for employee/director taxes paid on restricted stock awards	$ 0	(538)	0	0	(538)
Common stock repurchased – repurchase plan (in shares)	(44,664)
Common stock repurchased – repurchase plan	$ 0	(2,006)	0	0	(2,006)
Other comprehensive income, net of tax	$ 0	0	0	(5,348)	(5,348)
Issuance of common stock - Pacific West Acquisition (in shares)	430,149
Issuance of common stock - Pacific West Acquisition	$ 4	18,415	0	0	18,419
Balance (in shares) at Sep. 30, 2026	7,867,367
Balance at Sep. 30, 2026	$ 79	$ 57,702	$ 294,408	$ (18,983)	$ 333,206

Note 15 - Goodwill and Other Intangible Assets - Schedule of Changes in Intangible Assets (Details) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Balance, net			$ 10,518,000
Amortization	$ (787,000)	$ (787,000)	(2,253,000)	$ (2,426,000)
Balance, net	13,525,000		13,525,000		$ 10,518,000
Core Deposits [Member]
Balance			24,928,000	24,928,000	24,928,000
Balance, accumulated amortization			(14,410,000)	(11,218,000)	(11,218,000)
Amortization			(2,253,000)		(3,192,000)
Additions as a result of the Pacific West Acquisition			5,260,000
Balance	30,188,000		30,188,000		24,928,000
Balance, accumulated amortization	(16,663,000)		(16,663,000)		(14,410,000)
Balance, net	13,525,000		13,525,000
Core Deposits [Member] \| Net Amount [Member]
Balance, net			10,518,000	$ 13,710,000	13,710,000
Amortization			(2,253,000)		(3,192,000)
Additions as a result of the Pacific West Acquisition			5,260,000
Balance, net	$ 13,525,000		$ 13,525,000		$ 10,518,000

Amount of amortization expense for finite-lived intangible asset. Excludes goodwill and capitalized cost for software to be sold, leased, or marketed.

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Net income before provision for income taxes

Note 2 - Business Combination - Pro Forma Information (Details) - Pacific West [Member] - USD ($)
$ in Thousands

3 Months Ended

9 Months Ended

Sep. 30, 2026

Sep. 30, 2025

Sep. 30, 2026

Sep. 30, 2025

Net interest income

$ 36,870

$ 35,965

$ 109,144

$ 105,883

Noninterest income

^[1]

4,680

5,817

17,311

18,438

^[1]

$ 7,661

$ 11,779

$ 30,055

$ 29,157

[1]

Pro forma net income before provision for income taxes for the three and nine months ended September 30, 2026 was adjusted to exclude acquisition-related costs of $2.5 million and $3.2 million, respectively, as well as the $1.7 million bargain purchase gain recognized in connection with the transaction. Noninterest income was also adjusted to exclude the bargain purchase gain. The pro forma results assume the acquisition-related costs and bargain purchase gain were recognized in the first quarter of 2025.

Note 1 - Basis of Presentation and Summary of Significant Accounting Policies (Details Textual) - USD ($) $ in Thousands		3 Months Ended	9 Months Ended
	Jan. 01, 2026	Sep. 30, 2026	Sep. 30, 2026
Financing Receivable, Excluding Accrued Interest, Purchased with Credit Deterioration, Allowance for Credit Loss at Acquisition Date		$ 3,897	$ 3,897
Accounting Standards Update [Extensible Enumeration]	Accounting Standards Update 2025-08 [Member]
Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Excluding Accrued Interest, Purchased with Credit Deterioration, Allowance for Credit Loss at Acquisition Date	$ 1,800
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Period Increase (Decrease)	$ 1,800

Indicates amendment to accounting standards.

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Note 9 - Commitments and Contingencies - Schedule of Commitments (Details) - Commitments to Extend Credit [Member] - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Aggregate portfolio principal balance	$ 725,104	$ 605,385
Commercial Real Estate Portfolio Segment [Member]
Aggregate portfolio principal balance	224,004	207,056
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate [Member]
Aggregate portfolio principal balance	9,871	2,204
Commercial Real Estate Portfolio Segment [Member] \| Commercial and Speculative Construction and Development [Member]
Aggregate portfolio principal balance	207,875	198,176
Commercial Real Estate Portfolio Segment [Member] \| Multifamily [Member]
Aggregate portfolio principal balance	6,258	6,676
Residential Portfolio Segment [Member]
Aggregate portfolio principal balance	186,638	166,261
Residential Portfolio Segment [Member] \| One-to-four Family Loan [Member]
Aggregate portfolio principal balance	34,288	28,977
Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Aggregate portfolio principal balance	104,326	100,071
Residential Portfolio Segment [Member] \| Residential Custom Construction [Member]
Aggregate portfolio principal balance	48,024	37,213
Consumer Portfolio Segment [Member]
Aggregate portfolio principal balance	30,034	29,646
Commercial Business Portfolio Segment [Member]
Aggregate portfolio principal balance	284,428	202,422
Commercial Business Portfolio Segment [Member] \| Commercial And Industrial [Member]
Aggregate portfolio principal balance	219,731	160,277
Commercial Business Portfolio Segment [Member] \| Warehouse Lending Loan [Member]
Aggregate portfolio principal balance	$ 64,697	$ 42,145

Note 4 - Loans Receivable and Allowance for Credit Losses - Loans

9 Months Ended

Sep. 30, 2026

Financing Receivables [Text Block]

NOTE 4 – LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES – LOANS

The composition of the loan portfolio was as follows at the dates indicated:

	September 30,			December 31,
	2026			2025
COMMERCIAL REAL ESTATE ("CRE") LOANS
CRE owner occupied	$	224,764		$	176,078
CRE non-owner occupied		298,385			177,113
Commercial and speculative construction and development		393,005			354,130
Multi-family		297,955			262,150
Total CRE loans		1,214,109			969,471
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		758,537			628,761
Home equity		93,020			88,271
Residential custom construction		56,677			42,329
Total residential real estate		908,234			759,361
CONSUMER LOANS
Indirect home improvement		493,505			525,842
Marine		68,838			68,115
Other consumer		21,714			3,029
Total consumer loans		584,057			596,986
COMMERCIAL BUSINESS LOANS
Commercial and industrial (“C&I”)		322,572			301,111
Warehouse lending		15,620			28,180
Total commercial business loans		338,192			329,291
Total loans receivable, gross		3,044,592			2,655,109
ACL on loans		(36,463	)		(31,937	)
Total loans receivable, net	$	3,008,129		$	2,623,172

The loans listed above for September 30, 2026, include $252.6 million of loans acquired at fair value on August 19, 2026, as part of the Pacific West Acquisition.

Loan amounts are net of unearned loan fees in excess of unamortized costs, unamortized net discounts on acquired loans, and premiums on purchased loans of $10.9 million as of September 30, 2026, and $8.6 million as of December 31, 2025. Net loans do not include accrued interest receivable.

Most of the Company’s CRE and multi-family real estate, construction, residential, and commercial business lending activities are with customers located in Western Washington, the Oregon Coast, or near our loan production offices in Vancouver and the Tri-Cities, Washington. While the Company primarily originates real estate, consumer, and commercial business loans in these market areas, it also originates indirect home improvement loans, including solar-related home improvement loans, through a network of home improvement contractors and dealers located throughout Washington, Oregon, California, Idaho, Colorado, Arizona, Minnesota, Nevada, Texas, Utah, Massachusetts, Montana, and New Hampshire. Depending on underwriting guidelines, these indirect home improvement loans may be secured by collateral, with legal documentation that establishes the Company's rights to the collateral, where practicable. Local economic conditions may affect borrowers’ ability to meet the stated repayment terms.

At September 30, 2026, the Company held approximately $1.13 billion in loans that are pledged as collateral for FHLB borrowings, compared to approximately $1.08 billion at December 31, 2025. The Company held approximately $549.4 million in loans that are pledged as collateral for the Federal Reserve Bank of San Francisco (the “FRB”) line of credit at September 30, 2026, compared to approximately $580.9 million at December 31, 2025.

The Company has defined its loan portfolio into four segments that reflect the structure of the lending function, the Company’s strategic plan and the way management monitors performance and credit quality. The four loan portfolio segments are: (a) CRE, (b) residential real estate, (c) consumer, and (d) commercial business. Each segment is further disaggregated into classes based on the risk characteristics of the borrower and/or the collateral securing the loan. The following is a summary of the Company’s loan portfolio segments and classes:

CRE Loans

Multi-Family Lending. Apartment term lending (five or more units) and community reinvestment loans for low to moderate income borrowers in the Company’s footprint.

CRE Lending. Loans originated by the Company primarily secured by income-producing properties, including retail centers, warehouses, and office buildings located in its market areas.

Commercial and Speculative Construction and Development Lending. Loans originated for the construction of, and secured by, commercial real estate, one-to-four-family, and multi-family properties and tracts of land for development that are not pre-sold. Custom one-to-four-family construction loans to the intended occupant of the residence are included under residential custom construction lending described below.

Residential Real Estate Loans

One-to-Four-Family Real Estate Lending. One-to-four-family residential loans include both owner occupied properties (including second homes), and non-owner occupied properties with up to four units. These loans, which are originated by the Company or periodically purchased from other banks, are secured by first mortgages on one-to-four-family residences in our market areas and are intended to be held in the Company's portfolio (excludes loans held for sale).

Home Equity Lending. Loans originated by the Company secured by second mortgages on one-to-four-family residences, including home equity lines of credit within the Company's market areas.

Residential Custom Construction Lending. Custom construction loans to intended occupants of one-to-four family residences.

Consumer Loans

Indirect Home Improvement. Fixture secured loans for home improvement are originated by the Company through its network of home improvement contractors and dealers. These loans are secured by the personal property installed in, on, or at the borrower’s real property, and may be perfected with a UCC‑2 financing statement filed in the county of the borrower’s residence. These indirect home improvement loans include replacement windows, siding, roofing, spas, and other home fixture installations, including solar related home improvement projects.

Marine. Loans originated by the Company, secured by boats, to borrowers primarily located in states where the Company originates consumer loans.

Other Consumer. Loans originated by the Company to consumers in our retail branch footprint, including automobiles, direct home improvement loans, loans on deposits, and other consumer loans, primarily consisting of personal lines of credit and credit cards.

Commercial Business Loans

C&I Lending. C&I loans originated by the Company to local small- and mid-sized businesses in its market area are secured primarily by accounts receivable, inventory, and personal property, plant and equipment. Some C&I loans purchased by the Company are outside of its market area. C&I loans are made based on the borrower’s ability to repay from the cash flow of the borrower’s business. At September 30, 2026 and December 31, 2025, C&I loans included Small Business Administration and United States Department of Agriculture guaranteed certificates of $37.8 million and $44.8 million, respectively.

Warehouse Lending. Loans originated to non-depository financial institutions and secured by notes originated by the non-depository financial institution. The Company has two distinct warehouse lending divisions: commercial warehouse re-lending secured by notes on construction loans and mortgage warehouse re-lending secured by notes related to one-to-four-family loans. The Company’s commercial construction warehouse lines are secured by notes related to construction loans and are typically guaranteed by principals with experience in construction lending. Mortgage warehouse lines are funded through third-party residential mortgage bankers. Under this program, the Company provides short-term funding to mortgage banking companies for the purpose of originating residential mortgage loans for sale into the secondary market.

Allowance for Credit Losses

The following tables detail activity in the ACL on loans by loan categories at or for the three and nine months ended September 30, 2026 and 2025:

	At or For the Three Months Ended September 30, 2026
			Residential					Commercial
ACL ON LOANS	CRE		Real Estate		Consumer			Business			Total
Beginning balance	$	5,161	$	7,518	$	16,699		$	1,787		$	31,165
Pacific West Acquisition day 1 ACL		3,107		191		285			314			3,897
Provision for credit losses on loans		406		625		1,355			568			2,954
Charge-offs		—		—		(2,134	)		(1	)		(2,135	)
Recoveries		—		—		532			50			582
Net (charge-offs) recoveries		—		—		(1,602	)		49			(1,553	)
Ending balance	$	8,674	$	8,334	$	16,737		$	2,718		$	36,463

	At or For the Three Months Ended September 30, 2025
				Residential						Commercial
ACL ON LOANS	CRE			Real Estate			Consumer			Business			Total
Beginning balance	$	7,070		$	7,654		$	15,075		$	2,390		$	32,189
Provision for (reversal of) credit losses on loans		22			(165	)		2,452			(457	)		1,852
Charge-offs		(2,300	)		—			(2,044	)		—			(4,344	)
Recoveries		—			—			350			9			359
Net (charge-offs) recoveries		(2,300	)		—			(1,694	)		9			(3,985	)
Ending balance	$	4,792		$	7,489		$	15,833		$	1,942		$	30,056

	At or For the Nine Months Ended September 30, 2026
				Residential					Commercial
ACL ON LOANS	CRE			Real Estate		Consumer			Business			Total
Beginning balance	$	5,959		$	7,402	$	15,934		$	2,642		$	31,937
Pacific West Acquisition day 1 ACL		3,107			191		285			314			3,897
Provision for (reversal of) credit losses on loans		1,885			741		5,633			(96	)		8,163
Charge-offs		(2,277	)		—		(6,877	)		(270	)		(9,424	)
Recoveries		—			—		1,762			128			1,890
Net charge-offs		(2,277	)		—		(5,115	)		(142	)		(7,534	)
Ending balance	$	8,674		$	8,334	$	16,737		$	2,718		$	36,463

	At or For the Nine Months Ended September 30, 2025
				Residential					Commercial
ACL ON LOANS	CRE			Real Estate		Consumer			Business			Total
Beginning balance	$	7,001		$	7,440	$	14,185		$	3,244		$	31,870
Provision for (reversal of) credit losses on loans		91			49		5,880			(948	)		5,072
Charge-offs		(2,300	)		—		(5,321	)		(433	)		(8,054	)
Recoveries		—			—		1,089			79			1,168
Net charge-offs		(2,300	)		—		(4,232	)		(354	)		(6,886	)
Ending balance	$	4,792		$	7,489	$	15,833		$	1,942		$	30,056

The increase in the provision for credit losses on loans for the three and nine months ended September 30, 2026, was primarily attributable to higher charge-offs in the consumer and CRE portfolios, as well as higher organic loan growth during the three months ended September 30, 2026.

Loan Modifications to Borrowers Experiencing Financial Difficulty

The Company may modify the contractual terms of a loan to a borrower experiencing financial difficulty as a part of ongoing loss mitigation strategies. These modifications may result in an interest rate reduction, term extension, an other-than-insignificant payment delay, or a combination thereof. The Company typically does not offer principal forgiveness. An assessment of whether a borrower is experiencing financial difficulty is made on the date of a modification. The effect of most modifications made to borrowers experiencing financial difficulty is already included in the ACL on loans because of the measurement methodologies used to estimate the allowance.

The following tables present the amortized cost basis of loans that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2026 and 2025, by class and by type of modification. The tables also present the percentage of the amortized cost basis of loans that were modified to borrowers experiencing financial difficulty relative to the total amortized cost basis of each class of financing receivable, as well as the financial effect of the modification.

For the Three Months Ended September 30, 2026

For the Nine Months Ended September 30, 2026

Weighted-

Average

Combination

Term

Combination

Term

Total

Extension

Term

Total

Extension

Class of

Payment

Extension

Class of

Payment

COMMERCIAL BUSINESS

Payment

Financing

Delay

Payment

Financing

Delay

LOANS

Delay

Receivable

(in years)

Delay

Receivable

(in years)

C&I

—

545

0.2

1.0

For the Three Months Ended September 30, 2025

For the Nine Months Ended September 30, 2025

Weighted-

Average

Combination

Term

Combination

Term

Total

Extension

Term

Total

Extension

Class of

Payment

Extension

Class of

Payment

Financing

Delay

Payment

Financing

Delay

CRE LOANS

Delay

Receivable

(in years)

Delay

Receivable

(in years)

CRE owner occupied

1,203

0.7

3.3

1,203

0.7

3.3

As of September 30, 2026, there were no commitments to lend additional funds to borrowers experiencing financial difficulty whose terms had been modified during the nine months ended September 30, 2026. As of December 31, 2025, there were no commitments to lend additional funds to borrowers experiencing financial difficulty whose terms had been modified during the year ended December 31, 2025.

The Company closely monitors the performance of loans modified to borrowers experiencing financial difficulty to evaluate the effectiveness of its modification efforts. There were no loans modified within the prior 12 months that were delinquent as of September 30, 2026. The following table presents the performance of such loans that were modified within the prior 12 months as of September 30, 2025:

	September 30, 2025
	30-59		60-89
	Days		Days		90 Days		Total
	Past		Past		or More		Past
CRE LOANS	Due		Due		Past Due		Due
Commercial and speculative construction and development	$	—	$	—	$	9,150	$	9,150
COMMERCIAL BUSINESS LOANS
C&I	$	—	$	—	$	199	$	199
Total loans	$	—	$	—	$	9,349	$	9,349

There were no loans to borrowers experiencing financial difficulty that had a payment default during the three and nine months ended September 30, 2026 and 2025, and were modified in the 12 months prior to that default.

Nonaccrual and Past Due Loans

The following tables provide information pertaining to the aging analysis of contractually past due loans and nonaccrual loans at September 30, 2026 and December 31, 2025:

	September 30, 2026
	30-59		60-89
	Days		Days		90 Days		Total				Total
	Past		Past		or More		Past				Loans		Non-
CRE LOANS	Due		Due		Past Due		Due		Current		Receivable		Accrual ⁽¹⁾
CRE owner occupied	$	—	$	—	$	1,194	$	1,194	$	223,570	$	224,764	$	3,542
CRE non-owner occupied		—		—		—		—		298,385		298,385		5,623
Commercial and speculative construction and development		—		—		7,824		7,824		385,181		393,005		7,824
Multi-family		—		—		130		130		297,825		297,955		130
Total CRE loans		—		—		9,148		9,148		1,204,961		1,214,109		17,119
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family (excludes loans held for sale)		—		540		1,201		1,741		756,796		758,537		2,327
Home equity		269		65		—		334		92,686		93,020		520
Residential custom construction		—		—		—		—		56,677		56,677		—
Total residential real estate loans		269		605		1,201		2,075		906,159		908,234		2,847
CONSUMER LOANS
Indirect home improvement		4,339		2,155		720		7,214		486,291		493,505		4,421
Marine		758		62		87		907		67,931		68,838		540
Other consumer		17		29		1		47		21,667		21,714		15
Total consumer loans		5,114		2,246		808		8,168		575,889		584,057		4,976
COMMERCIAL BUSINESS LOANS
C&I		28		931		199		1,158		321,414		322,572		199
Warehouse lending		—		—		—		—		15,620		15,620		—
Total commercial business loans		28		931		199		1,158		337,034		338,192		199
Total loans	$	5,411	$	3,782	$	11,356	$	20,549	$	3,024,043	$	3,044,592	$	25,141

	December 31, 2025
	30-59		60-89
	Days		Days		90 Days		Total				Total
	Past		Past		or More		Past				Loans		Non-
CRE LOANS	Due		Due		Past Due		Due		Current		Receivable		Accrual ⁽¹⁾
CRE owner occupied	$	587	$	—	$	844	$	1,431	$	174,647	$	176,078	$	2,049
CRE non-owner occupied		—		—		—		—		177,113		177,113		—
Commercial and speculative construction and development		—		—		9,236		9,236		344,894		354,130		9,236
Multi-family		—		—		—		—		262,150		262,150		—
Total CRE loans		587		—		10,080		10,667		958,804		969,471		11,285
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family (excludes loans held for sale)		1,244		214		84		1,542		627,219		628,761		1,778
Home equity		228		—		71		299		87,972		88,271		390
Residential custom construction		—		—		—		—		42,329		42,329		—
Total residential real estate loans		1,472		214		155		1,841		757,520		759,361		2,168
CONSUMER LOANS
Indirect home improvement		4,829		2,292		1,480		8,601		517,241		525,842		4,256
Marine		254		9		69		332		67,783		68,115		454
Other consumer		54		27		1		82		2,947		3,029		2
Total consumer loans		5,137		2,328		1,550		9,015		587,971		596,986		4,712
COMMERCIAL BUSINESS LOANS
C&I		122		—		580		702		300,409		301,111		580
Warehouse lending		—		—		—		—		28,180		28,180		—
Total commercial business loans		122		—		580		702		328,589		329,291		580
Total loans	$	7,318	$	2,542	$	12,365	$	22,225	$	2,632,884	$	2,655,109	$	18,745

(1)

Includes loans less than 90 days past due, as applicable.

There were no loans 90 days or more past due and still accruing interest at both September 30, 2026 and December 31, 2025.

There were $1.2 million and $156,000 in residential real estate loans in the process of foreclosure at September 30, 2026 and December 31, 2025, respectively.

Credit Quality Indicators

As part of the Company’s ongoing monitoring of the credit quality of the loan portfolio, management tracks certain credit quality indicators including trends related to (i) the risk grading of loans, (ii) the level of classified loans, (iii) net charge-offs, (iv) nonperforming loans, and (v) the general economic conditions in the Company’s markets.

The Company utilizes a risk grading matrix to assign a risk grade to its real estate and commercial business loans. Loans are graded on a scale of 1 to 10, with loans in risk grades 1 to 6 reported as “Pass” and loans in risk grades 7 to 10 reported as classified loans in the Company’s ACL analysis.

A description of the 10 risk grades is as follows:

●

Grades 1 and 2 - These grades include loans to very high-quality borrowers with excellent or desirable business credit.

●

Grade 3 - This grade includes loans to borrowers of good business credit with moderate risk.

●

Grades 4 and 5 - These grades include “Pass” grade loans to borrowers of average credit quality and risk.

●

Grade 6 - This grade includes loans on management’s “Watch” list and is intended to be utilized on a temporary basis for “Pass” grade borrowers where frequent and thorough monitoring is required due to credit weaknesses and where significant risk-modifying action is anticipated in the near term.

●

Grade 7 - This grade is for “Other Assets Especially Mentioned” (“OAEM”) or “Special Mention” loans in accordance with regulatory guidelines and includes borrowers where performance is poor or significantly less than expected.

●

Grade 8 - This grade includes “Substandard” loans in accordance with regulatory guidelines which represent an unacceptable business credit where a loss is possible if loan weakness is not corrected.

●

Grade 9 - This grade includes “Doubtful” loans in accordance with regulatory guidelines where a loss is highly probable.

●

Grade 10 - This grade includes “Loss” loans in accordance with regulatory guidelines for which total loss is expected and when identified are charged off.

Homogeneous loans are risk rated based upon the Federal Financial Institutions Examination Council’s Uniform Retail Credit Classification and Account Management Policy. Loans classified under this policy at the Company are consumer loans which include indirect home improvement, solar, marine, other consumer, and one-to-four-family first and second liens. Under the Uniform Retail Credit Classification and Account Management Policy, loans that are current or less than 90 days past due are graded “Pass” and risk rated “4” or “5” internally. Loans that are past due more than 90 days are classified “Substandard” and risk graded “8” internally until the loan has demonstrated consistent performance, typically six months of contractual payments. Closed-end loans that are 120 days past due and open-end loans that are 180 days past due are charged off based on the value of the collateral less cost to sell. Management may choose to conservatively risk rate credits even if they are paying in accordance with the loan’s terms.

CRE (owner occupied, non-owner occupied, commercial construction and development, and multi-family) and commercial business loans are evaluated individually for their risk classification and may be classified as “Substandard” even if current on their loan payment obligations. The Company regularly reviews credits for accuracy of risk grades whenever we receive new information. Borrowers are generally required to submit financial information at regular intervals. Typically, commercial borrowers with lines of credit are required to submit financial information with reporting intervals ranging from monthly to annually depending on credit size, risk, and complexity. In addition, non-owner-occupied CRE borrowers with loans exceeding a certain dollar threshold are usually required to submit rent rolls or property income statements annually. We monitor construction loans monthly. We also review loans graded “Watch” or worse, regardless of loan type, no less than quarterly.

The following tables summarize risk rated loan balances and total current period gross charge-offs by category, as of the dates indicated. Term loans that were renewed or extended for periods longer than 90 days are presented as new originations in the year of the most recent renewal or extension.

	September 30, 2026
															Revolving
															Loans
CRE LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
CRE owner occupied	2026		2025		2024		2023		2022		Prior		Loans		to Term		Loans
Pass	$	24,585	$	41,556	$	9,946	$	21,308	$	42,006	$	37,763	$	22	$	—	$	177,186
Watch		97		687		4,340		5,684		3,652		15,776		—		—		30,236
Special mention		—		—		252		5,848		—		7,018		—		—		13,118
Substandard		—		—		2,948		—		—		1,276		—		—		4,224
Total CRE owner occupied		24,682		42,243		17,486		32,840		45,658		61,833		22		—		224,764
CRE non-owner occupied
Pass		75,525		19,727		8,736		17,170		50,988		109,876		—		—		282,022
Watch		—		—		—		2,745		—		—		—		—		2,745
Special mention		—		—		—		851		—		2,815		—		—		3,666
Substandard		25		—		—		3,002		1,327		5,598		—		—		9,952
Total CRE non-owner occupied		75,550		19,727		8,736		23,768		52,315		118,289		—		—		298,385
Commercial and speculative construction and development
Pass		110,460		187,840		46,038		150		22,402		10,618		7,673		—		385,181
Substandard		—		—		660		—		7,164		—		—		—		7,824
Total commercial and speculative construction and development		110,460		187,840		46,698		150		29,566		10,618		7,673		—		393,005
Commercial and speculative construction and development gross charge-offs		—		—		—		—		2,277		—		—		—		2,277
Multi-family
Pass		17,202		28,765		23,637		9,259		23,513		192,272		—		—		294,648
Substandard		—		130		—		—		—		3,177		—		—		3,307
Total multi-family		17,202		28,895		23,637		9,259		23,513		195,449		—		—		297,955
Total CRE loans	$	227,894	$	278,705	$	96,557	$	66,017	$	151,052	$	386,189	$	7,695	$	—	$	1,214,109
Total CRE loans gross charge-offs	$	—	$	—	$	—	$	—	$	2,277	$	—	$	—	$	—	$	2,277

	September 30, 2026
RESIDENTIAL															Revolving
REAL ESTATE LOANS															Loans
One-to-four-family	Term Loans by Year of Origination												Revolving		Converted		Total
(excludes loans held for sale)	2026		2025		2024		2023		2022		Prior		Loans		to Term		Loans
Pass	$	203,045	$	80,285	$	36,321	$	83,785	$	141,317	$	208,123	$	—	$	—	$	752,876
Watch		—		—		—		—		694		—		—		—		694
Special mention		—		—		—		672		154		—		—		—		826
Substandard		—		—		—		430		665		3,046		—		—		4,141
Total one-to-four-family		203,045		80,285		36,321		84,887		142,830		211,169		—		—		758,537
Home equity
Pass		8,085		3,387		828		1,188		266		6,984		70,362		1,400		92,500
Substandard		—		—		—		—		—		72		448		—		520
Total home equity		8,085		3,387		828		1,188		266		7,056		70,810		1,400		93,020
Residential custom construction
Pass		27,601		25,394		2,278		815		589		—		—		—		56,677
Total residential custom construction		27,601		25,394		2,278		815		589		—		—		—		56,677
Total residential real estate loans	$	238,731	$	109,066	$	39,427	$	86,890	$	143,685	$	218,225	$	70,810	$	1,400	$	908,234

	September 30, 2026
															Revolving
															Loans
CONSUMER LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
Indirect home improvement	2026		2025		2024		2023		2022		Prior		Loans		to Term		Loans
Pass	$	70,314	$	85,242	$	52,821	$	83,058	$	109,505	$	88,144	$	—	$	—	$	489,084
Substandard		89		687		811		906		1,068		860		—		—		4,421
Total indirect home improvement		70,403		85,929		53,632		83,964		110,573		89,004		—		—		493,505
Indirect home improvement gross charge-offs		82		1,114		1,247		1,331		1,372		1,296		—		—		6,442
Marine
Pass		11,730		6,284		8,583		7,902		14,699		19,100		—		—		68,298
Substandard		—		25		—		—		109		406		—		—		540
Total marine		11,730		6,309		8,583		7,902		14,808		19,506		—		—		68,838
Marine gross charge-offs		—		7		39		4		123		95		—		—		268
Other consumer
Pass		3,687		4,429		3,267		5,350		2,655		86		2,225		—		21,699
Substandard		—		—		8		—		—		—		7		—		15
Total other consumer		3,687		4,429		3,275		5,350		2,655		86		2,232		—		21,714
Other consumer gross charge-offs		—		5		—		—		1		78		83		—		167
Total consumer loans	$	85,820	$	96,667	$	65,490	$	97,216	$	128,036	$	108,596	$	2,232	$	—	$	584,057
Total consumer loans gross charge-offs	$	82	$	1,126	$	1,286	$	1,335	$	1,496	$	1,469	$	83	$	—	$	6,877

	September 30, 2026
															Revolving
COMMERCIAL															Loans
BUSINESS LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
C&I	2026		2025		2024		2023		2022		Prior		Loans		to Term		Loans
Pass	$	15,213	$	33,049	$	49,555	$	24,984	$	12,347	$	17,545	$	129,608	$	4,636	$	286,937
Watch		24		18,043		390		398		486		363		6,074		—		25,778
Special mention		272		218		—		—		—		469		5,431		—		6,390
Substandard		—		172		42		17		56		1,884		397		899		3,467
Total C&I		15,509		51,482		49,987		25,399		12,889		20,261		141,510		5,535		322,572
C&I gross charge-offs		—		—		—		83		—		38		149		—		270
Warehouse lending
Pass		—		—		—		—		—		—		15,617		—		15,617
Special mention		—		—		—		—		—		—		3		—		3
Total warehouse lending		—		—		—		—		—		—		15,620		—		15,620
Total commercial business loans	$	15,509	$	51,482	$	49,987	$	25,399	$	12,889	$	20,261	$	157,130	$	5,535	$	338,192
Total commercial business loans gross charge-offs	$	—	$	—	$	—	$	83	$	—	$	38	$	149	$	—	$	270

TOTAL LOANS RECEIVABLE, GROSS
Pass	$	567,447	$	515,958	$	242,010	$	254,969	$	420,287	$	690,511	$	225,507	$	6,036	$	2,922,725
Watch		121		18,730		4,730		8,827		4,832		16,139		6,074		—		59,453
Special mention		272		218		252		7,371		154		10,302		5,434		—		24,003
Substandard		114		1,014		4,469		4,355		10,389		16,319		852		899		38,411
Total loans receivable, gross	$	567,954	$	535,920	$	251,461	$	275,522	$	435,662	$	733,271	$	237,867	$	6,935	$	3,044,592
Total gross charge-offs	$	82	$	1,126	$	1,286	$	1,418	$	3,773	$	1,507	$	232	$	—	$	9,424

	December 31, 2025
															Revolving
															Loans
CRE LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
CRE owner occupied	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	37,809	$	4,148	$	21,485	$	35,169	$	10,625	$	34,840	$	—	$	—	$	144,076
Watch		142		600		4,084		6,167		14,137		4,438		—		—		29,568
Special mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		2,434		—		—		2,434
Total CRE owner occupied		37,951		4,748		25,569		41,336		24,762		41,712		—		—		176,078
CRE non-owner occupied
Pass		9,467		8,362		15,734		49,708		34,888		51,951		—		475		170,585
Special mention		—		—		—		1,354		—		2,113		—		—		3,467
Substandard		—		—		3,061		—		—		—		—		—		3,061
Total CRE non-owner occupied		9,467		8,362		18,795		51,062		34,888		54,064		—		475		177,113
Commercial and speculative construction and development
Pass		188,568		96,592		19,623		22,343		10,004		63		7,701		—		344,894
Substandard		—		—		—		9,236		—		—		—		—		9,236
Total commercial and speculative construction and development		188,568		96,592		19,623		31,579		10,004		63		7,701		—		354,130
Commercial and speculative construction and development gross charge-offs		—		—		—		2,300		—		—		—		—		2,300
Multi-family
Pass		26,491		20,750		7,017		19,921		85,961		102,010		—		—		262,150
Total multi-family		26,491		20,750		7,017		19,921		85,961		102,010		—		—		262,150
Total CRE loans	$	262,477	$	130,452	$	71,004	$	143,898	$	155,615	$	197,849	$	7,701	$	475	$	969,471
Total CRE loans gross charge-offs	$	—	$	—	$	—	$	2,300	$	—	$	—	$	—	$	—	$	2,300

	December 31, 2025
RESIDENTIAL															Revolving
REAL ESTATE LOANS															Loans
One-to-four-family	Term Loans by Year of Origination												Revolving		Converted		Total
(excludes loans held for sale)	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	93,883	$	56,292	$	102,074	$	149,010	$	97,732	$	124,942	$	—	$	502	$	624,435
Watch		—		—		—		710		—		—		—		—		710
Substandard		—		—		673		—		—		2,943		—		—		3,616
Total one-to-four-family		93,883		56,292		102,747		149,720		97,732		127,885		—		502		628,761
Home equity
Pass		11,609		1,595		1,615		287		1,189		6,432		65,154		—		87,881
Substandard		—		—		—		—		—		80		310		—		390
Total home equity		11,609		1,595		1,615		287		1,189		6,512		65,464		—		88,271
Residential custom construction
Pass		31,650		8,097		1,230		1,352		—		—		—		—		42,329
Total residential custom construction		31,650		8,097		1,230		1,352		—		—		—		—		42,329
Total residential real estate loans	$	137,142	$	65,984	$	105,592	$	151,359	$	98,921	$	134,397	$	65,464	$	502	$	759,361

	December 31, 2025
															Revolving
															Loans
CONSUMER LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
Indirect home improvement	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	111,727	$	67,451	$	100,504	$	131,844	$	58,058	$	52,002	$	—	$	—	$	521,586
Substandard		434		792		1,011		1,124		323		572		—		—		4,256
Total indirect home improvement		112,161		68,243		101,515		132,968		58,381		52,574		—		—		525,842
Indirect home improvement gross charge-offs		261		1,763		1,647		2,025		884		753		—		—		7,333
Marine
Pass		7,619		10,210		9,647		17,126		7,366		15,693		—		—		67,661
Substandard		—		—		5		111		94		244		—		—		454
Total marine		7,619		10,210		9,652		17,237		7,460		15,937		—		—		68,115
Marine gross charge-offs		—		63		42		—		11		101		—		—		217
Other consumer
Pass		255		94		37		88		6		108		2,439		—		3,027
Substandard		—		—		—		1		—		—		1		—		2
Total other consumer		255		94		37		89		6		108		2,440		—		3,029
Other consumer gross charge-offs		—		6		—		—		2		56		117		—		181
Total consumer loans	$	120,035	$	78,547	$	111,204	$	150,294	$	65,847	$	68,619	$	2,440	$	—	$	596,986
Total consumer loans gross charge-offs	$	261	$	1,832	$	1,689	$	2,025	$	897	$	910	$	117	$	—	$	7,731

	December 31, 2025
															Revolving
COMMERCIAL															Loans
BUSINESS LOANS	Term Loans by Year of Origination												Revolving		Converted		Total
C&I	2025		2024		2023		2022		2021		Prior		Loans		to Term		Loans
Pass	$	48,052	$	55,033	$	18,762	$	12,437	$	12,048	$	11,105	$	123,306	$	2,121	$	282,864
Watch		—		—		—		—		1,017		—		6,303		16		7,336
Special mention		—		—		5,000		—		—		1,391		648		—		7,039
Substandard		191		—		84		—		1,592		1,199		806		—		3,872
Total C&I		48,243		55,033		23,846		12,437		14,657		13,695		131,063		2,137		301,111
C&I gross charge-offs		—		—		—		—		433		—		—		—		433
Warehouse lending
Pass		—		—		—		—		—		—		28,177		—		28,177
Special mention		—		—		—		—		—		—		3		—		3
Total warehouse lending		—		—		—		—		—		—		28,180		—		28,180
Total commercial business loans	$	48,243	$	55,033	$	23,846	$	12,437	$	14,657	$	13,695	$	159,243	$	2,137	$	329,291
Total commercial business loans gross charge-offs	$	—	$	—	$	—	$	—	$	433	$	—	$	—	$	—	$	433

TOTAL LOANS RECEIVABLE, GROSS
Pass	$	567,130	$	328,624	$	297,728	$	439,285	$	317,877	$	399,146	$	226,777	$	3,098	$	2,579,665
Watch		142		600		4,084		6,877		15,154		4,438		6,303		16		37,614
Special mention		—		—		5,000		1,354		—		3,504		651		—		10,509
Substandard		625		792		4,834		10,472		2,009		7,472		1,117		—		27,321
Total loans receivable, gross	$	567,897	$	330,016	$	311,646	$	457,988	$	335,040	$	414,560	$	234,848	$	3,114	$	2,655,109
Total gross charge-offs	$	261	$	1,832	$	1,689	$	4,325	$	1,330	$	910	$	117	$	—	$	10,464

The following table presents the amortized cost basis of loans on nonaccrual status as of the dates indicated:

	September 30, 2026						December 31, 2025
	Nonaccrual with		Nonaccrual with		Total		Nonaccrual with		Nonaccrual with		Total
CRE LOANS	No ACL		ACL		Nonaccrual		No ACL		ACL		Nonaccrual
CRE owner occupied	$	3,542	$	—	$	3,542	$	2,049	$	—	$	2,049
CRE non-owner occupied		—		5,623		5,623		—		—		—
Commercial and speculative construction and development		7,824		—		7,824		—		9,236		9,236
Multi-family		130		—		130		—		—		—
Total		11,496		5,623		17,119		2,049		9,236		11,285

RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		2,327		—		2,327		1,778		—		1,778
Home equity		520		—		520		390		—		390
Total		2,847		—		2,847		2,168		—		2,168

CONSUMER LOANS
Indirect home improvement		—		4,421		4,421		—		4,256		4,256
Marine		—		540		540		—		454		454
Other consumer		—		15		15		—		2		2
Total		—		4,976		4,976		—		4,712		4,712
COMMERCIAL BUSINESS LOANS
C&I		199		—		199		415		165		580
Total	$	14,542	$	10,599	$	25,141	$	4,632	$	14,113	$	18,745

The Company recognized interest income on a cash basis for nonaccrual loans of $151,000 and $146,000 during the three months ended September 30, 2026 and 2025, and $425,000 and $391,000 during the nine months ended September 30, 2026 and 2025, respectively.

The following table presents the amortized cost basis of collateral dependent loans by class of loans as of the dates indicated:

	September 30, 2026								December 31, 2025
			Residential		Other						Residential		Other
			Real		Non-Real						Real		Non-Real
CRE LOANS	CRE		Estate		Estate		Total		CRE		Estate		Estate		Total
CRE owner occupied	$	3,542	$	—	$	—	$	3,542	$	2,049	$	—	$	—	$	2,049
CRE non-owner occupied		5,623		—		—		5,623		—		—		—		—
Commercial and speculative construction and development		7,824		—		—		7,824		9,236		—				9,236
Multi-family		130		—		—		130		—		—		—		—
Subtotal		17,119		—		—		17,119		11,285		—		—		11,285

RESIDENTIAL REAL ESTATE LOANS
One-to-four-family		—		2,327		—		2,327		—		1,778		—		1,778
Home equity		—		520		—		520		—		390		—		390
Subtotal		—		2,847		—		2,847		—		2,168		—		2,168

CONSUMER LOANS
Indirect home improvement		—		—		4,421		4,421		—		—		4,256		4,256
Marine		—		—		540		540		—		—		454		454
Subtotal		—		—		4,961		4,961		—		—		4,710		4,710
COMMERCIAL BUSINESS LOANS
C&I		—		—		199		199		—		—		398		398
Total	$	17,119	$	2,847	$	5,160	$	25,126	$	11,285	$	2,168	$	5,108	$	18,561

Note 2 - Business Combination - Schedule of Business Combination (Details) (Parentheticals) - Pacific West [Member]

Aug. 19, 2026

$ / shares

Stock issued (in shares) | shares

430,149

^[1]

Share price (in dollars per share) | $ / shares

$ 42.82

[1]	Stock price is as of the closing date.

Note 14 - Business Segments (Details Textual)	9 Months Ended
Note 14 - Business Segments (Details Textual)	Sep. 30, 2026
Number of Reportable Segments	2

Note 6 - Derivatives - Schedule of Offsetting of Derivative Assets (Details) - Interest Rate Swap [Member] - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Derivative Asset, Before Offset	$ 6,942	$ 2,269
Derivative Asset, Offset	0	339
Derivative asset	6,942	1,930
Derivative Assets, Financial Instruments Collateral	0	0
Derivative Assets, Cash Collateral	0	0
Derivative Asset, Net	$ 6,942	$ 1,930

Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.

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Amount of obligation to return cash collateral under master netting arrangements that have not been offset against derivative assets.

Note 11 - Earnings per Share - Schedule of Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Net income	$ 4,926	$ 9,177	$ 20,692	$ 24,926
Dividends and undistributed earnings allocated to participating securities	(61)	(176)	(210)	(443)
Net income available to common shareholders	$ 4,865	$ 9,001	$ 20,482	$ 24,483
Basic weighted average common shares outstanding (in shares)	7,524,107	7,488,139	7,674,839	7,587,202
Dilutive shares (in shares)	153,465	135,104	139,692	110,759
Diluted weighted average common shares outstanding (in shares)	7,677,572	7,623,243	7,814,531	7,697,961
Basic earnings per share (in dollars per share)	$ 0.65	$ 1.2	$ 2.67	$ 3.23
Diluted earnings per share (in dollars per share)	$ 0.63	$ 1.18	$ 2.62	$ 3.18
Potentially dilutive weighted average share options that were not included in the computation of diluted earnings per share because to do so would be anti-dilutive. (in shares)	28,286	19,771	43,409	12,382

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

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Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders.

Note 13 - Regulatory Capital

9 Months Ended

Sep. 30, 2026

Regulatory Capital Requirements under Banking Regulations [Text Block]

NOTE 13 – REGULATORY CAPITAL

The Bank is subject to various regulatory capital requirements administered by the Federal Reserve and the FDIC. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines of the regulatory framework for prompt corrective action, the Bank must meet specific capital adequacy guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital classification is also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Under capital adequacy guidelines of the regulatory framework for prompt corrective action, quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of Tier 1 capital (as defined in the regulations) to total average assets (as defined in the regulations), and minimum ratios of Tier 1 total capital (as defined in the regulations) and common equity Tier 1 (“CET1”) capital to risk-weighted assets (as defined).

The Bank must maintain minimum total risk-based, Tier 1 risk-based, Tier 1 leverage, and CET1 capital ratios as set forth in the table below to be categorized as “well capitalized”. At September 30, 2026, the Bank was categorized as “well capitalized” under applicable regulatory requirements. There were no conditions or events since that date that management believes have changed the Bank’s category. Management believes, at September 30, 2026, that the Bank met all capital adequacy requirements.

The following tables compare the Bank’s actual capital amounts and ratios to their minimum regulatory capital requirements and well capitalized regulatory capital at the dates indicated:

																To be Well Capitalized
											For Capital					Under Prompt
						For Capital					Adequacy With					Corrective
	Actual					Adequacy Purposes					Capital Buffer					Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
At September 30, 2026
Total risk-based capital (to risk-weighted assets)
Consolidated	$	410,851		12.35	%	$	266,167		8.00	%	$	349,345		10.50	%		N/A		N/A
Bank Only		419,574		12.61	%		266,167		8.00	%		349,345		10.50	%		332,709		10.00	%
Tier 1 risk-based capital (to risk-weighted assets)
Consolidated		335,072		10.07	%		199,626		6.00	%	$	282,803		8.50	%		N/A		N/A
Bank Only		380,595		11.44	%		199,626		6.00	%		282,803		8.50	%		266,167		8.00	%
Tier 1 leverage capital (to average assets)
Consolidated		335,072		9.89	%		135,501		4.00	%		N/A		N/A			N/A		N/A
Bank Only		380,595		11.24	%		135,501		4.00	%		N/A		N/A			169,376		5.00	%
CET1 capital (to risk-weighted assets)
Consolidated		335,072		10.07	%		149,719		4.50	%	$	232,897		7.00	%		N/A		N/A
Bank Only		380,595		11.44	%		149,719		4.50	%		232,897		7.00	%		216,261		6.50	%

At December 31, 2025
Total risk-based capital (to risk-weighted assets)
Consolidated	$	393,396		14.25	%	$	220,788		8.00	%	$	289,785		10.50	%		N/A		N/A
Bank Only		385,215		13.96	%		220,788		8.00	%		289,785		10.50	%		275,986		10.00	%
Tier 1 risk-based capital (to risk-weighted assets)
Consolidated		309,413		11.21	%		165,592		6.00	%		234,588		8.50	%		N/A		N/A
Bank Only		351,232		12.73	%		165,592		6.00	%		234,588		8.50	%		220,788		8.00	%
Tier 1 leverage capital (to average assets)
Consolidated		309,413		9.66	%		128,160		4.00	%		N/A		N/A			N/A		N/A
Bank Only		351,232		10.96	%		128,160		4.00	%		N/A		N/A			160,200		5.00	%
CET1 capital (to risk-weighted assets)
Consolidated		309,413		11.21	%		124,194		4.50	%		193,190		7.00	%		N/A		N/A
Bank Only		351,232		12.73	%		124,194		4.50	%		193,190		7.00	%		179,392		6.50	%

In addition to the minimum CET1, Tier 1, total capital and leverage ratios, the Bank is required to maintain a capital conservation buffer consisting of additional CET1 capital equal to at least 2.5% of risk-weighted assets above the required minimum capital levels. Failure to maintain the required buffer could result in limitations on the Bank's ability to pay dividends, repurchase shares, and pay discretionary bonuses, based on specified percentages of eligible retained income. At September 30, 2026, the Bank’s capital exceeded the conservation buffer.

As a bank holding company registered with the Federal Reserve, the Company is subject to the capital adequacy requirements of the Federal Reserve. Bank holding companies with $3.0 billion or more in assets must comply with the Federal Reserve’s capital regulations, which are generally the same as the capital regulations applicable to the Bank. The Federal Reserve has a policy requiring a bank holding company to serve as a source of financial and managerial strength to the holding company’s subsidiary bank and the Federal Reserve expects the holding company’s subsidiary bank to be well capitalized under the prompt corrective action regulations.

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

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Note 13 - Regulatory Capital (Details Textual)	Sep. 30, 2026
Banking Regulation, Capital Conservation Buffer, Capital Conserved, Minimum	0.025

Note 15 - Goodwill and Other Intangible Assets (Tables)

9 Months Ended

Sep. 30, 2026

Intangible Asset, Finite-Lived [Table Text Block]

	Other Intangible Assets
			Accumulated
	Gross CDI		Amortization			Net CDI
Balance, December 31, 2024		24,928		(11,218	)		13,710
Amortization				(3,192	)		(3,192	)
Balance, December 31, 2025		24,928		(14,410	)		10,518
Additions as a result of the Pacific West Acquisition		5,260		—			5,260
Amortization		—		(2,253	)		(2,253	)
Balance, September 30, 2026	$	30,188	$	(16,663	)	$	13,525

Core Deposits [Member]

Intangible Asset, Finite-Lived, Acquired [Table Text Block]

Remainder of 2026	$	935
2027		3,460
2028		2,966
2029		2,035
2030		1,585
Thereafter		2,544
Total	$	13,525

Note 12 - Stock-based Compensation (Tables)

9 Months Ended

Sep. 30, 2026

Share-Based Payment Arrangement, Option, Activity [Table Text Block]

	Shares		Weighted-Average Exercise Price		Weighted-Average Remaining Contractual Term In Years		Aggregate Intrinsic Value
Outstanding at January 1, 2026		658,623	$	33.47		6.63	$	5,134,992
Granted		—		—		—		—
Less exercised		14,560		30.76		—		169,447
Less forfeited		750		40.14		—		—
Outstanding at September 30, 2026		643,313	$	33.52		5.93	$	6,285,673

Expected to vest at September 30, 2026		461,073	$	31.73		5.08	$	5,328,551

Exercisable at September 30, 2026		178,662	$	38.02		8.05	$	941,485

Nonvested Restricted Stock Shares Activity [Table Text Block]

Nonvested Shares	Shares		Weighted-Average Grant-Date Fair Value Per Share
Nonvested at January 1, 2026		102,971	$	37.73
Granted		63,104		43.48
Less vested		38,505		36.98
Nonvested at September 30, 2026		127,570	$	40.80

Note 8 - Deposits - Schedule of Maturity (Details) $ in Thousands	Sep. 30, 2026 USD ($)
Maturing in 2026	$ 328,121
Maturing in 2027	657,852
Maturing in 2028	18,181
Maturing in 2029	13,610
Maturing in 2030 and thereafter	3,963
Total	$ 1,021,727

Note 5 - Mortgage Servicing Rights - Valuation Assumptions (Details) - Mortgage Servicing Rights [Member] - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2026	Dec. 31, 2025
Aggregate portfolio principal balance	$ 1,714,450	$ 1,673,501
Weighted average rate of loans in MSRs portfolio	4.60%	4.40%
Fair value of MSRs	$ 27,225	$ 21,800
Weighted average life in years (Year)	9 years 1 month 6 days	7 years 8 months 12 days
Weighted average constant prepayment rate	5.60%	8.50%
Decline in fair value from 10% adverse change (prepayment)	$ 709	$ 736
Decline in fair value from 20% adverse change (prepayment)	$ 857	$ 1,253
Effective discount rate	9.10%	9.10%
Decline in fair value from 10% adverse change (discount rate)	$ 1,220	$ 899
Decline in fair value from 20% adverse change (discount rate)	$ 2,343	$ 1,730

Note 8 - Deposits (Tables)

9 Months Ended

Sep. 30, 2026

Deposit Liabilities, Type [Table Text Block]

	September 30,		December 31,
	2026		2025
Noninterest-bearing checking	$	738,715	$	647,197
Interest-bearing checking⁽¹⁾		470,532		335,449
Savings		181,400		164,056
Money market⁽²⁾		434,854		385,618
Certificates of deposit less than $100,000 ⁽³⁾		387,858		512,808
Certificates of deposit of $100,000 through $250,000		460,615		452,666
Certificates of deposit greater than $250,000		173,254		164,922
Escrow accounts related to mortgages serviced⁽⁴⁾		19,976		10,926
Total	$	2,867,204	$	2,673,642

Time Deposit Maturities [Table Text Block]

Maturing in 2026	$	328,121
Maturing in 2027		657,852
Maturing in 2028		18,181
Maturing in 2029		13,610
Maturing in 2030 and thereafter		3,963
Total	$	1,021,727

Interest Income and Interest Expense Disclosure [Table Text Block]

	Three Months Ended September 30,				Nine Months Ended September 30,
	2026		2025		2026		2025
Interest-bearing checking	$	2,621	$	1,007	$	6,919	$	2,573
Savings and money market		2,701		2,167		7,384		6,136
Certificates of deposit		8,711		11,688		28,351		33,731
Total	$	14,033	$	14,862	$	42,654	$	42,440

Tabular disclosure of type of deposit liability.

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph e
-Publisher SEC

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph d
-Publisher SEC

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph c
-Publisher SEC

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (5)
-Publisher SEC

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (4)
-Publisher SEC

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (3)
-Publisher SEC

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (2)
-Publisher SEC

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Subparagraph (1)
-Publisher SEC

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph a
-Publisher SEC

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (1)
-Publisher SEC

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)
-Publisher SEC

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(i)
-Publisher SEC

Reference 13: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(iv)
-Publisher SEC

Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(iii)
-Publisher SEC

Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph f
-Subparagraph (2)(ii)
-Publisher SEC

Note 7 - Leases - Schedule of Maturity for Operating Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Remainder of 2026, operating lease	$ 504
2027, operating lease	1,957
2028, operating lease	1,464
2029, operating lease	1,196
2030, operating lease	866
Thereafter, operating lease	3,347
Total lease payments, operating lease	9,334
Less imputed interest, operating lease	(1,435)
Total, operating lease	$ 7,899	$ 5,889

Note 11 - Earnings per Share

9 Months Ended

Sep. 30, 2026

Earnings Per Share [Text Block]

NOTE 11 – EARNINGS PER SHARE

The Company computes earnings per share using the two-class method, which is an earnings allocation method for computing earnings per share that treats a participating security as having rights to earnings that would otherwise have been available to common shareholders. Basic earnings per share are computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Unvested share-based awards containing non-forfeitable rights to dividends or dividend equivalents (whether paid or unpaid) are participating securities and are included in the computation of earnings per share pursuant to the two-class method. Diluted earnings per share reflect the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that would then share in the earnings of the Company.

The following table presents a reconciliation of the components used to compute basic and diluted earnings per share at or for the dates indicated:

	At or For the Three Months Ended September 30,						At or For the Nine Months Ended September 30,
Numerator:	2026			2025			2026			2025
Net income	$	4,926		$	9,177		$	20,692		$	24,926
Dividends and undistributed earnings allocated to participating securities		(61	)		(176	)		(210	)		(443	)
Net income available to common shareholders	$	4,865		$	9,001		$	20,482		$	24,483
Denominator (shown as actual):
Basic weighted average common shares outstanding		7,524,107			7,488,139			7,674,839			7,587,202
Dilutive shares		153,465			135,104			139,692			110,759
Diluted weighted average common shares outstanding		7,677,572			7,623,243			7,814,531			7,697,961
Basic earnings per share	$	0.65		$	1.20		$	2.67		$	3.23
Diluted earnings per share	$	0.63		$	1.18		$	2.62		$	3.18
Potentially dilutive weighted average share options that were not included in the computation of diluted earnings per share because to do so would be anti-dilutive.		28,286			19,771			43,409			12,382

Document And Entity Information - shares	9 Months Ended
Document And Entity Information - shares	Sep. 30, 2026	Nov. 04, 2026
Document Information [Line Items]
Entity Central Index Key	0001530249
Entity Registrant Name	FS Bancorp, Inc.
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2026
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2026
Document Transition Report	false
Entity File Number	001-35589
Entity Incorporation, State or Country Code	WA
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	WA
Entity Address, Postal Zip Code	98043
City Area Code	425
Local Phone Number	771‑5299
Title of 12(b) Security	Common Stock, par value $.01 per share
Trading Symbol	FSBW
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		7,875,734

Note 3 - Investments - Schedule of Contractual Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Available-for-Sale, Amortized Cost	$ 373,705	$ 310,097
Total securities available-for-sale, fair value	342,185	288,667
Total securities held-to-maturity, amortized cost	38,111	33,501
Total securities held-to-maturity, fair value	37,784	34,396
Total securities, amortized cost	411,816	343,598
Total securities, fair value	379,969	323,063
US Government Agencies Debt Securities [Member]
Due after one year through five years, amortized cost	6,986	4,976
Due after one year through five years, fair value	6,572	4,785
Due after five years through ten years, amortized cost	13,290	15,288
Due after five years through ten years, fair value	11,182	13,342
Subtotal, amortized cost	20,276	20,264
Subtotal, fair value	17,754	18,127
Available-for-Sale, Amortized Cost	20,276	20,264
Total securities available-for-sale, fair value	17,754	18,127
Corporate Debt Securities [Member]
Due after one year through five years, amortized cost	5,727	8,000
Due after one year through five years, fair value	5,665	7,858
Due after five years through ten years, amortized cost	2,402	2,000
Due after five years through ten years, fair value	1,921	1,527
Subtotal, amortized cost	18,129	16,000
Subtotal, fair value	17,540	15,386
Due within one year, amortized cost	10,000	6,000
Due within one year, fair value	9,954	6,001
Available-for-Sale, Amortized Cost	18,129	16,000
Total securities available-for-sale, fair value	17,540	15,386
Due in one year or less, amortized cost, held to maturity	0	0
Due in one year or less, fair value, held to maturity	0	0
Due after one year through five years, amortized cost, held to maturity	1,000	3,000
Due after one year through five years, fair value, held to maturity	968	2,986
Due after five years through ten years, amortized cost, held to maturity	34,966	26,143
Due after five years through ten years, fair value, held to maturity	34,602	26,839
Due after ten years, amortized cost, held to maturity	0	2,250
Due after ten years, fair value, held to maturity	0	2,250
Total securities held-to-maturity, amortized cost	35,966	31,393
Total securities held-to-maturity, fair value	35,570	32,075
Municipal Bonds [Member]
Due after one year through five years, amortized cost	3,579	2,135
Due after one year through five years, fair value	3,434	2,137
Due after five years through ten years, amortized cost	11,825	7,080
Due after five years through ten years, fair value	10,633	6,441
Subtotal, amortized cost	85,159	81,156
Subtotal, fair value	70,769	71,405
Due after ten years, amortized cost	69,755	71,941
Due after ten years, fair value	56,702	62,827
Available-for-Sale, Amortized Cost	85,159	81,156
Total securities available-for-sale, fair value	70,769	71,405
Due after five years through ten years, amortized cost, held to maturity	0	0
Due after five years through ten years, fair value, held to maturity	0	0
Due after ten years, amortized cost, held to maturity	2,145	2,108
Due after ten years, fair value, held to maturity	2,214	2,321
Total securities held-to-maturity, amortized cost	2,145	2,108
Total securities held-to-maturity, fair value	2,214	2,321
Collateralized Mortgage-Backed Securities [Member]
Without single maturity date, amortized cost	236,724	181,849
Without single maturity date, fair value	223,464	173,567
Available-for-Sale, Amortized Cost	236,724	181,849
Total securities available-for-sale, fair value	223,464	173,567
Collateralized Mortgage-Backed Securities [Member] \| Federal National Mortgage Association (FNMA) [Member]
Without single maturity date, amortized cost	88,249	82,555
Without single maturity date, fair value	79,491	75,492
Collateralized Mortgage-Backed Securities [Member] \| Federal Home Loan Mortgage Corporation (FHLMC) [Member]
Without single maturity date, amortized cost	63,639	47,170
Without single maturity date, fair value	61,604	46,556
Collateralized Mortgage-Backed Securities [Member] \| Government National Mortgage Association (GNMA) [Member]
Without single maturity date, amortized cost	84,836	52,124
Without single maturity date, fair value	82,369	51,519
Asset-Backed Securities [Member]
Due after one year through five years, amortized cost	136	743
Due after one year through five years, fair value	133	730
Due after five years through ten years, amortized cost	2,298	2,598
Due after five years through ten years, fair value	2,086	2,458
Subtotal, amortized cost	13,417	10,828
Subtotal, fair value	12,658	10,182
Due within one year, amortized cost	212	130
Due within one year, fair value	210	129
Due after ten years, amortized cost	10,771	7,357
Due after ten years, fair value	10,229	6,865
Available-for-Sale, Amortized Cost	13,417	10,828
Total securities available-for-sale, fair value	$ 12,658	$ 10,182

Note 4 - Loans Receivable and Allowance for Credit Losses - Loans - Schedule of Financing Receivable, Modified, Past Due (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount	$ 0
Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount		$ 0
Commercial Real Estate Portfolio Segment [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount		0
Commercial Business Portfolio Segment [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount		$ 0

Note 2 - Business Combination - PCD Loans Acquired (Details) - Pacific West [Member] $ in Thousands	Aug. 19, 2026 USD ($)
Unpaid principal balance of PCD loans	$ 29,819
PCD ACL at acquisition	(2,122)
Non-credit discount on PCD loans	(3,174)
Fair value of PCD loans	$ 24,523

Note 10 - Fair Value Measurements - Schedule of Reconciliation of Financial Assets and Liabilities with Unobservable Inputs (Details) - USD ($)
$ in Thousands

3 Months Ended

9 Months Ended

Sep. 30, 2026

Sep. 30, 2025

Sep. 30, 2026

Sep. 30, 2025

Interest Rate Lock Commitments [Member]

Beginning balance, derivative asset (liability)

$ 616

$ 409

$ 241

$ 103

Purchases and issuances, derivative asset (liability)

589

864

3,645

3,104

Sales and settlements, derivative asset (liability)

(1,155)

(998)

(3,836)

(2,932)

Ending balance, derivative asset (liability)

275

Gain (Loss) Included in Earnings, derivative asset (liability)

^[1]

(566)

(134)

(191)

172

Gain (Loss) Included in Other Comprehensive Income (Loss), derivative asset (liability)

^[2]

Mandatory and Best Effort Forward Commitments [Member]

Beginning balance, derivative asset (liability)

(162)

Purchases and issuances, derivative asset (liability)

695

(92)

1,189

(345)

Sales and settlements, derivative asset (liability)

(174)

226

(669)

286

Ending balance, derivative asset (liability)

528

(28)

528

(28)

Gain (Loss) Included in Earnings, derivative asset (liability)

^[1]

521

134

520

(59)

Gain (Loss) Included in Other Comprehensive Income (Loss), derivative asset (liability)

^[2]

$ 0

[1]	Relating to items held at end of period included in income.
[2]	Relating to items held at end of period included in other comprehensive income.

Note 11 - Earnings per Share (Tables)

9 Months Ended

Sep. 30, 2026

Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]

	At or For the Three Months Ended September 30,						At or For the Nine Months Ended September 30,
Numerator:	2026			2025			2026			2025
Net income	$	4,926		$	9,177		$	20,692		$	24,926
Dividends and undistributed earnings allocated to participating securities		(61	)		(176	)		(210	)		(443	)
Net income available to common shareholders	$	4,865		$	9,001		$	20,482		$	24,483
Denominator (shown as actual):
Basic weighted average common shares outstanding		7,524,107			7,488,139			7,674,839			7,587,202
Dilutive shares		153,465			135,104			139,692			110,759
Diluted weighted average common shares outstanding		7,677,572			7,623,243			7,814,531			7,697,961
Basic earnings per share	$	0.65		$	1.20		$	2.67		$	3.23
Diluted earnings per share	$	0.63		$	1.18		$	2.62		$	3.18
Potentially dilutive weighted average share options that were not included in the computation of diluted earnings per share because to do so would be anti-dilutive.		28,286			19,771			43,409			12,382

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Cash and due from banks	$ 29,022	$ 13,504
Interest-bearing deposits at other financial institutions	14,925	14,715
Total cash and cash equivalents	43,947	28,219
Securities available-for-sale, at fair value (amortized cost of $373,705 and $310,097, net of allowance for credit losses of $0 and $0, respectively)	342,185	288,667
Securities held-to-maturity, at amortized cost (fair value of $37,784 and $34,396, net of allowance for credit losses of $377 and $277, respectively)	37,734	33,224
Loans held for sale, at fair value	22,820	43,705
Loans receivable, net of allowance for credit losses of $36,463 and $31,937 (includes loans of $13,852 and $13,183, at fair value, respectively)	3,008,129	2,623,172
Accrued interest receivable	16,901	14,614
Premises and equipment, net	49,148	44,065
Long-lived assets held for sale	3,258	3,258
Operating lease right-of-use (“ROU”) assets	7,799	5,789
Federal Home Loan Bank (“FHLB”) stock, at cost	13,073	7,971
Deferred tax asset, net	9,469	6,993
Bank owned life insurance (“BOLI”), net	41,857	36,249
Goodwill	3,592	3,592
Core deposit intangible, net	13,525	10,518
Other assets	54,327	38,203
TOTAL ASSETS	3,676,651	3,196,847
LIABILITIES
Noninterest-bearing accounts	758,691	658,123
Interest-bearing accounts	2,108,513	2,015,519
Total deposits	2,867,204	2,673,642
Borrowings	373,500	129,305
Subordinated notes:
Principal amount	46,000	50,000
Unamortized debt issuance costs	(265)	(339)
Total subordinated notes less unamortized debt issuance costs	45,735	49,661
Operating lease liabilities	7,899	5,889
Other liabilities	49,107	30,656
Total liabilities	3,343,445	2,889,153
COMMITMENTS AND CONTINGENCIES (NOTE 9)
STOCKHOLDERS’ EQUITY
Preferred stock, $.01 par value; 5,000,000 shares authorized; none issued or outstanding	0	0
Common stock, $.01 par value; 45,000,000 shares authorized; 7,867,367 and 7,507,519 shares issued and outstanding at September 30, 2026 and December 31, 2025, respectively	79	75
Additional paid-in capital	57,702	43,251
Retained earnings	294,408	280,197
Accumulated other comprehensive loss, net of tax	(18,983)	(15,829)
Total stockholders’ equity	333,206	307,694
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	3,676,651	3,196,847
Mortgage Servicing Rights [Member]
Mortgage servicing rights (“MSRs”), held at the lower of cost or fair value	$ 8,887	$ 8,608

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Net income	$ 4,926	$ 9,177	$ 20,692	$ 24,926
Adjustments to reconcile net income to net cash from operating activities
Provision for credit losses	3,462	2,309	8,632	5,922
Depreciation, amortization and accretion			7,892	9,444
Bargain purchase gain	(1,658)	0	(1,658)	0
Compensation expense related to stock options and restricted stock awards			1,897	1,621
Earnings on cash surrender value of BOLI			(808)	(773)
Gain on sale of loans held for sale			(6,433)	(6,111)
Change in fair value on portfolio loans measured under the fair value option			799	(469)
Origination of loans held for sale			(382,038)	(354,231)
Proceeds from sale of loans held for sale			437,906	379,654
Loss on disposed fixed assets			86	0
Gain on sale of investment securities	(11)	0	(11)	0
Gain on purchase of tax credits			(45)	(660)
Purchase of tax credits			(455)	(7,587)
(Recovery) impairment of MSRs	(5)	(6)	(64)	23
Changes in operating assets and liabilities
Accrued interest receivable			(1,164)	(1,241)
Other assets			3,642	8,146
Other liabilities			4,935	1,294
Net cash from operating activities			93,805	59,958
CASH FLOWS USED BY INVESTING ACTIVITIES
Proceeds from sale of investment securities	1,652	0	1,652	0
Maturities, prepayments, and calls			42,705	35,616
Purchases			(59,539)	(61,724)
Purchases			(9,274)	(25,985)
Maturities, prepayments, and calls			5,000	3,000
Maturities of certificates of deposit at other financial institutions			0	1,727
Portfolio loan originations and principal collections, net			(134,356)	(132,008)
Proceeds from sale of portfolio loans			0	2,309
Purchase of portfolio loans			(38,060)	(3,956)
Purchase of premises and equipment			(2,177)	(4,665)
Proceeds from bank owned life insurance death benefits			0	771
Net cash acquired in Pacific West Bank Acquisition			136,133	0
Change in FHLB stock, net			(4,880)	7,646
Capital contributions to affordable housing tax credit investments			(1,065)	0
Net cash used by investing activities			(63,861)	(177,269)
CASH FLOWS (USED BY) FROM FINANCING ACTIVITIES
Net (decrease) increase in deposits			(242,069)	347,047
Net increase in short term borrowings			313,000	0
Proceeds from long term borrowings			0	626,436
Repayments of long term borrowings			(68,805)	(804,937)
Dividends paid on common stock			(6,481)	(8,157)
Repayment of subordinated notes			(4,000)	0
Disbursements from stock options exercised, net			(143)	(20)
Common stock repurchased for employee/director taxes paid on restricted stock awards			(538)	(464)
Issuance of common stock - employee stock purchase plan			1,084	937
Common stock repurchased			(6,264)	(13,886)
Net cash (used by) from financing activities			(14,216)	146,956
NET INCREASE IN CASH AND CASH EQUIVALENTS			15,728	29,645
CASH AND CASH EQUIVALENTS, beginning of period			28,219	31,635	$ 31,635
CASH AND CASH EQUIVALENTS, end of period	$ 43,947	$ 61,280	43,947	61,280	$ 28,219
Cash paid during the period for:
Interest on deposits and borrowings			49,434	47,460
Income taxes			7,594	89
SUPPLEMENTARY DISCLOSURES OF NONCASH OPERATING, INVESTING AND FINANCING ACTIVITIES
Change in fair value on available-for-sale investment securities			(10,079)	5,640
Change in fair value on fair value and cash flow hedges			6,065	(5,893)
Unfunded affordable housing tax credit investments new commitments			12,000	0
Retention of gross MSRs from loan sales			2,476	1,242
ROU assets in exchange for lease liabilities			1,493	3,013
Acquisition (Note 2):
Assets acquired			476,464	0
Liabilities assumed			$ (439,519)	$ 0

Note 3 - Investments - Schedule of Securities Pledged as Collateral (Details) - State and Local Government Public Deposits [Member] - Asset Pledged as Collateral [Member] $ in Thousands	Sep. 30, 2026 USD ($)
Investment Securities, Carrying Value	$ 20,917
Investment Securities, Amortized Cost	25,509
Investment Securities, Fair Value	$ 20,917

Cost of the investment.

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 946
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-Name Accounting Standards Codification
-Section 55
-Paragraph 1
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
-Paragraph 6
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
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-Section 50
-Paragraph 6
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-URI https://asc.fasb.org/1943274/2147478795/946-210-50-6

Reference 4: http://www.xbrl.org/2003/role/exampleRef
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Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 946
-SubTopic 210
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (a)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478795/946-210-50-6

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
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-Paragraph 3
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Note 13 - Regulatory Capital - Schedule of Comparison (Details) $ in Thousands	Sep. 30, 2026 USD ($)	Dec. 31, 2025 USD ($)
Parent Company [Member]
Actual, Capital	$ 410,851	$ 393,396
Actual, Capital, Rate	0.1235	0.1425
Capital Adequacy, Total	$ 266,167	$ 220,788
Capital Adequacy, Total Rate	0.08	0.08
Capital Adequacy, Total Risk-based with Buffer	$ 349,345
Capital Adequacy, Total Risk-based with Buffer, Rate	0.105
Actual, Tier 1 Risk-based	$ 335,072	$ 309,413
Actual, Tier 1 Risk-based Rate	0.1007	0.1121
Capital Adequacy, Tier 1 Risk-based	$ 199,626	$ 165,592
Capital Adequacy, Tier 1 Risk-based Rate	0.06	0.06
Capital Adequacy, Tier 1 Risk-based with Buffer	$ 282,803	$ 234,588
Capital Adequacy, Tier 1 Risk-based with Buffer, Rate	0.085	0.085
Actual, Tier 1 Leverage	$ 335,072	$ 309,413
Actual, Tier 1 Leverage Rate	0.0989	0.0966
Capital Adequacy, Tier 1 Leverage	$ 135,501	$ 128,160
Capital Adequacy, Tier 1 Leverage Rate	0.04	0.04
Actual, CET 1	$ 335,072	$ 309,413
Actual, CET 1 Rate	0.1007	0.1121
Capital Adequacy, CET 1	$ 149,719	$ 124,194
Capital Adequacy, CET 1 Rate	0.045	0.045
Capital Adequacy, CET 1 with Buffer	$ 232,897	$ 193,190
Capital Adequacy, CET 1 with Buffer , Rate	0.07	0.07
The 1st Security Bank of Washington, Subsidiary [Member]
Actual, Capital	$ 419,574	$ 385,215
Actual, Capital, Rate	0.1261	0.1396
Capital Adequacy, Total	$ 266,167	$ 220,788
Capital Adequacy, Total Rate	0.08	0.08
Capital Adequacy, Total Risk-based with Buffer	$ 349,345	$ 289,785
Capital Adequacy, Total Risk-based with Buffer, Rate	0.105	0.105
Well Capitalized, Total Capital	$ 332,709	$ 275,986
Well Capitalized, Total Capital Rate	0.10	0.10
Actual, Tier 1 Risk-based	$ 380,595	$ 351,232
Actual, Tier 1 Risk-based Rate	0.1144	0.1273
Capital Adequacy, Tier 1 Risk-based	$ 199,626	$ 165,592
Capital Adequacy, Tier 1 Risk-based Rate	0.06	0.06
Capital Adequacy, Tier 1 Risk-based with Buffer	$ 282,803	$ 234,588
Capital Adequacy, Tier 1 Risk-based with Buffer, Rate	0.085	0.085
Well Capitalized, Tier 1 Risk-based	$ 266,167	$ 220,788
Well Capitalized, Tier 1 Risk-based Rate	0.08	0.08
Actual, Tier 1 Leverage	$ 380,595	$ 351,232
Actual, Tier 1 Leverage Rate	0.1124	0.1096
Capital Adequacy, Tier 1 Leverage	$ 135,501	$ 128,160
Capital Adequacy, Tier 1 Leverage Rate	0.04	0.04
Well Capitalized, Tier 1 Leverage	$ 169,376	$ 160,200
Well Capitalized, Tier 1 Leverage Rate	0.05	0.05
Actual, CET 1	$ 380,595	$ 351,232
Actual, CET 1 Rate	0.1144	0.1273
Capital Adequacy, CET 1	$ 149,719	$ 124,194
Capital Adequacy, CET 1 Rate	0.045	0.045
Capital Adequacy, CET 1 with Buffer	$ 232,897	$ 193,190
Capital Adequacy, CET 1 with Buffer , Rate	0.07	0.07
Well Capitalized, CET 1	$ 216,261	$ 179,392
Well Capitalized, CET 1 Rate	0.065	0.065

Note 6 - Derivatives - Schedule of Offsetting of Derivative Liabilities (Details) - Interest Rate Swap [Member] - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Derivative Liability, Before Offset	$ 0	$ 679
Derivative liability, offset	0	23
Derivative liabilities	0	656
Financial Instrument	0	0
Derivative liability, cash collateral	0	680
Derivative liability, net	0	0
Derivative Liability	$ 0	$ 656

Amount of right to receive cash collateral under master netting arrangements that have not been offset against derivative liabilities.

Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.

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Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
Consolidated Statements of Income (Unaudited) - USD ($)	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Loans receivable, including fees	$ 49,346,000	$ 46,664,000	$ 141,560,000	$ 135,004,000
Interest and dividends on investment securities, cash and cash equivalents, and interest-bearing deposits at other financial institutions	4,075,000	4,309,000	10,856,000	11,459,000
Total interest and dividend income	53,421,000	50,973,000	152,416,000	146,463,000
INTEREST EXPENSE
Deposits	14,033,000	14,862,000	42,654,000	42,440,000
Borrowings	2,778,000	1,935,000	6,359,000	5,783,000
Subordinated notes	924,000	486,000	2,524,000	1,456,000
Total interest expense	17,735,000	17,283,000	51,537,000	49,679,000
NET INTEREST INCOME	35,686,000	33,690,000	100,879,000	96,784,000
PROVISION FOR CREDIT LOSSES	3,462,000	2,309,000	8,632,000	5,922,000
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	32,224,000	31,381,000	92,247,000	90,862,000
NONINTEREST INCOME
Service charges and fee income	2,424,000	2,326,000	6,778,000	6,894,000
Bargain purchase gain	1,658,000	0	1,658,000	0
Gain on sale of loans	1,468,000	2,439,000	6,433,000	6,111,000
Gain on sale of investment securities, net	11,000	0	11,000	0
Earnings on cash surrender value of BOLI	286,000	269,000	808,000	773,000
Other noninterest income	329,000	560,000	2,039,000	2,112,000
Total noninterest income	6,176,000	5,594,000	17,727,000	15,890,000
NONINTEREST EXPENSE
Salaries and benefits	17,178,000	14,415,000	47,602,000	43,037,000
Operations	4,616,000	3,974,000	10,695,000	11,243,000
Occupancy	2,073,000	1,744,000	5,887,000	5,240,000
Data processing	2,252,000	1,784,000	5,672,000	5,966,000
Loan costs	803,000	746,000	2,585,000	2,012,000
Professional and board fees	1,067,000	1,093,000	3,141,000	3,435,000
Federal Deposit Insurance Corporation (“FDIC”) insurance	630,000	592,000	1,788,000	1,684,000
Marketing and advertising	450,000	259,000	1,204,000	879,000
Acquisition costs	2,463,000	0	3,175,000	0
Amortization of core deposit intangible	787,000	787,000	2,253,000	2,426,000
(Recovery) impairment of MSRs	(5,000)	(6,000)	(64,000)	23,000
Total noninterest expense	32,314,000	25,388,000	83,938,000	75,945,000
INCOME BEFORE PROVISION FOR INCOME TAXES	6,086,000	11,587,000	26,036,000	30,807,000
PROVISION FOR INCOME TAXES	1,160,000	2,410,000	5,344,000	5,881,000
NET INCOME	$ 4,926,000	$ 9,177,000	$ 20,692,000	$ 24,926,000
Basic earnings per share (in dollars per share)	$ 0.65	$ 1.2	$ 2.67	$ 3.23
Diluted earnings per share (in dollars per share)	$ 0.63	$ 1.18	$ 2.62	$ 3.18

Note 5 - Mortgage Servicing Rights (Tables)

9 Months Ended

Sep. 30, 2026

Servicing Asset at Amortized Cost [Table Text Block]

	At or For the Three Months Ended
	September 30,
	2026			2025
Beginning balance, at the lower of cost or fair value	$	8,912		$	8,652
Additions		661			510
MSRs amortized		(691	)		(662	)
Recovery of MSRs		5			6
Ending balance, at the lower of cost or fair value	$	8,887		$	8,506

	At or For the Nine Months Ended
	September 30,
	2026			2025
Beginning balance, at the lower of cost or fair value	$	8,608		$	9,204
Additions		2,476			1,242
MSRs amortized		(2,261	)		(1,917	)
Recovery (impairment) of MSRs		64			(23	)
Ending balance, at the lower of cost or fair value	$	8,887		$	8,506

Schedule of Servicing Assets at Fair Value [Table Text Block]

	September 30,			December 31,
	2026			2025
Aggregate portfolio principal balance	$	1,714,450		$	1,673,501
Weighted average rate of loans in MSRs portfolio		4.6	%		4.4	%
Fair value of MSRs	$	27,225		$	21,800
Weighted average life in years		9.1			7.7
Weighted average constant prepayment rate		5.6	%		8.5	%
Decline in fair value from 10% adverse change (prepayment)	$	709		$	736
Decline in fair value from 20% adverse change (prepayment)	$	857		$	1,253
Effective discount rate		9.1	%		9.1	%
Decline in fair value from 10% adverse change (discount rate)	$	1,220		$	899
Decline in fair value from 20% adverse change (discount rate)	$	2,343		$	1,730

Note 3 - Investments - Schedule of Investments in Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Less than 12 months, fair value, available for sale securities	$ 122,350	$ 42,202
Less than 12 months, unrealized loss, available for sale securities	(2,915)	(444)
12 months or longer, unrealized loss, fair value, available for sale securities	162,535	165,674
12 months or longer, unrealized loss, available for sale securities	(28,969)	(21,819)
Available for sale securities, fair value, total	284,885	207,876
Available for sale securities, unrealized losses	(31,884)	(22,263)
Less than 12 months, fair value, held to maturity	18,120	6,788
Less than 12 months, unrealized loss, held to maturity securities	(724)	(84)
12 months or longer, unrealized loss, fair value, held to maturity securities	1,876	935
12 months or longer, unrealized loss, held to maturity securities	(124)	(65)
Held to maturity securities, fair value	19,996	7,723
Held-to-maturity, unrealized losses	(848)	(149)
Less than 12 months, fair value	140,470	48,990
Less than 12 months, unrealized loss	(3,639)	(528)
12 months or longer, fair value	164,411	166,609
12 months or longer, unrealized loss	(29,093)	(21,884)
Debt Securities, fair value, total	304,881	215,599
Debt securities, unrealized loss	(32,732)	(22,412)
US Government Agencies Debt Securities [Member]
Less than 12 months, fair value, available for sale securities	0	0
Less than 12 months, unrealized loss, available for sale securities	0	0
12 months or longer, unrealized loss, fair value, available for sale securities	15,694	16,061
12 months or longer, unrealized loss, available for sale securities	(2,582)	(2,203)
Available for sale securities, fair value, total	15,694	16,061
Available for sale securities, unrealized losses	(2,582)	(2,203)
Corporate Debt Securities [Member]
Less than 12 months, fair value, available for sale securities	5,329	3,961
Less than 12 months, unrealized loss, available for sale securities	(55)	(39)
12 months or longer, unrealized loss, fair value, available for sale securities	8,461	8,420
12 months or longer, unrealized loss, available for sale securities	(539)	(580)
Available for sale securities, fair value, total	13,790	12,381
Available for sale securities, unrealized losses	(594)	(619)
Less than 12 months, fair value, held to maturity	18,120	6,788
Less than 12 months, unrealized loss, held to maturity securities	(724)	(84)
12 months or longer, unrealized loss, fair value, held to maturity securities	1,876	935
12 months or longer, unrealized loss, held to maturity securities	(124)	(65)
Held to maturity securities, fair value	19,996	7,723
Held-to-maturity, unrealized losses	(848)	(149)
Municipal Bonds [Member]
Less than 12 months, fair value, available for sale securities	9,818	0
Less than 12 months, unrealized loss, available for sale securities	(286)	0
12 months or longer, unrealized loss, fair value, available for sale securities	60,950	70,228
12 months or longer, unrealized loss, available for sale securities	(14,104)	(9,755)
Available for sale securities, fair value, total	70,768	70,228
Available for sale securities, unrealized losses	(14,390)	(9,755)
Collateralized Mortgage-Backed Securities [Member]
Less than 12 months, fair value, available for sale securities	104,991	35,194
Less than 12 months, unrealized loss, available for sale securities	(2,571)	(380)
12 months or longer, unrealized loss, fair value, available for sale securities	72,148	64,321
12 months or longer, unrealized loss, available for sale securities	(10,961)	(8,659)
Available for sale securities, fair value, total	177,139	99,515
Available for sale securities, unrealized losses	(13,532)	(9,039)
Asset-Backed Securities [Member]
Less than 12 months, fair value, available for sale securities	2,212	3,047
Less than 12 months, unrealized loss, available for sale securities	(3)	(25)
12 months or longer, unrealized loss, fair value, available for sale securities	5,282	6,644
12 months or longer, unrealized loss, available for sale securities	(783)	(622)
Available for sale securities, fair value, total	7,494	9,691
Available for sale securities, unrealized losses	$ (786)	$ (647)

Note 6 - Derivatives - Schedule of Fair Value Hedges Cumulative-basis Adjustment (Details) - Designated as Hedging Instrument [Member] - Fair Value Hedging [Member] - USD ($)
$ in Thousands

Sep. 30, 2026

Dec. 31, 2025

Cumulative Amount of Fair Value Hedging Adjustment

$ 4,440

$ 2,131

Securities Investment [Member]

Cumulative Amount of Fair Value Hedging Adjustment

^[1]

4,440

2,131

Reported Value Measurement [Member]

Hedged Assets

55,560

57,869

Reported Value Measurement [Member] | Securities Investment [Member]

Hedged Assets

^[1]

$ 55,560

$ 57,869

[1]

These amounts include the amortized cost basis of closed portfolios used in designated hedging relationships in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. At September 30, 2026, the amortized cost basis of the closed portfolios used in these hedging relationships was $174.6 million; the cumulative basis adjustments associated with these hedging relationships was $4.4 million; and the amount of the designated hedged items was $60 million. At December 31, 2025, the amortized cost basis of the closed portfolios used in these hedging relationships was $179.4 million; the cumulative basis adjustment associated with these hedging relationships was a loss of $2.1 million; and the amount of the designated hedged items was $60.0 million.

Note 4 - Loans Receivable and Allowance for Credit Losses - Loans - Schedule of Modified Financing Receivables (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount			$ 0
Commercial Business Portfolio Segment [Member] \| Commercial And Industrial [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage	0.00%		0.20%
Commercial Business Portfolio Segment [Member] \| Commercial And Industrial [Member] \| Extended Maturity and Payment Delay [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount	$ 0		$ 545
Commercial Business Portfolio Segment [Member] \| Commercial And Industrial [Member] \| Extended Maturity [Member]
Financing Receivable, Excluding Accrued Interest, Modified, Weighted Average Term Extension Payment Delay (Year)			1 year
Commercial Real Estate Portfolio Segment [Member] \| Commercial Loan [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage		0.70%		0.70%
Commercial Real Estate Portfolio Segment [Member] \| Commercial Loan [Member] \| Extended Maturity and Payment Delay [Member]
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount		$ 1,203		$ 1,203
Commercial Real Estate Portfolio Segment [Member] \| Commercial Loan [Member] \| Extended Maturity [Member]
Financing Receivable, Excluding Accrued Interest, Modified, Weighted Average Term Extension Payment Delay (Year)		3 years 3 months 18 days		3 years 3 months 18 days

Note 8 - Deposits

9 Months Ended

Sep. 30, 2026

Deposit Liabilities Disclosures [Text Block]

NOTE 8 – DEPOSITS

Deposits are summarized as follows at the dates indicated:

	September 30,		December 31,
	2026		2025
Noninterest-bearing checking	$	738,715	$	647,197
Interest-bearing checking⁽¹⁾		470,532		335,449
Savings		181,400		164,056
Money market⁽²⁾		434,854		385,618
Certificates of deposit less than $100,000 ⁽³⁾		387,858		512,808
Certificates of deposit of $100,000 through $250,000		460,615		452,666
Certificates of deposit greater than $250,000		173,254		164,922
Escrow accounts related to mortgages serviced⁽⁴⁾		19,976		10,926
Total	$	2,867,204	$	2,673,642

(1)	Includes none and $140.2 million of brokered deposits at September 30, 2026 and December 31, 2025, respectively.

(2)	Includes $1.0 million and $20.3 million of brokered deposits at September 30, 2026 and December 31, 2025, respectively.

(3)	Includes $75.1 million and $202.1 million of brokered deposits at September 30, 2026 and December 31, 2025, respectively.
(4)	Noninterest-bearing accounts.

Scheduled maturities of time deposits at September 30, 2026, for future periods ending are as follows:

Maturing in 2026	$	328,121
Maturing in 2027		657,852
Maturing in 2028		18,181
Maturing in 2029		13,610
Maturing in 2030 and thereafter		3,963
Total	$	1,021,727

Interest expense by deposit category for the periods indicated is as follows:

	Three Months Ended September 30,				Nine Months Ended September 30,
	2026		2025		2026		2025
Interest-bearing checking	$	2,621	$	1,007	$	6,919	$	2,573
Savings and money market		2,701		2,167		7,384		6,136
Certificates of deposit		8,711		11,688		28,351		33,731
Total	$	14,033	$	14,862	$	42,654	$	42,440

Note 2 - Business Combination

9 Months Ended

Sep. 30, 2026

Business Combination [Text Block]

NoTE 2 – Business Combination

The Company completed the Pacific West Acquisition August 19, 2026, pursuant to the Merger Agreement, for total consideration of $35.3 million, consisting of 430,149 shares of FS Bancorp common stock and $16.9 million in cash. Under the terms of the Merger Agreement, Pacific West merged with and into FS Bancorp, with FS Bancorp as the surviving corporation. Immediately after the Pacific West Acquisition, FS Bancorp merged Pacific West Bank, a wholly-owned subsidiary of Pacific West, with and into 1st Security Bank of Washington, a wholly-owned subsidiary of FS Bancorp, with 1st Security Bank of Washington as the surviving bank. Pacific West was formed by local business owners for the community and its principal business activities prior to the acquisition were offering business banking services and commercial lending products. The primary objective for the acquisition was to expand FS Bancorp’s presence in the Portland metro area and offer additional banking and lending products for former Pacific West customers as well as attract new customers.

The Pacific West Acquisition was accounted for under the acquisition method of accounting and accordingly, the assets acquired and liabilities assumed were recorded at their fair values on August 19, 2026, the date of acquisition. Determining the fair value of assets and liabilities is a complicated process involving significant judgment regarding methods and assumptions used to calculate estimated fair values. Fair values are preliminary and subject to refinement for up to one year after the closing date of the acquisition as information relative to the closing date fair values become available.

The application of the acquisition method of accounting resulted in a bargain purchase gain of $1.7 million for the three and nine months ended September 30, 2026 and was reported as a component of noninterest income on our Consolidated Statements of Income. The bargain purchase gain resulted from the negotiated purchase price, which reflected Pacific West’s historical financial performance and earnings profile, being less than the fair value of the identifiable net assets acquired. The gain was also impacted by changes in the estimated fair values of certain assets acquired and liabilities assumed between the announcement and closing of the transaction, including an increase in the value of the core deposit intangible resulting in part from higher market interest rates and the corresponding increased economic value of the acquired deposit relationships. Under the terms of the merger agreement, Pacific West shareholders could elect to receive either FS Bancorp common stock or cash, subject to established proration and adjustment procedures. Pacific West shareholders making a cash election or no election received $12.93 in cash for each share of Pacific West common stock. Because stock elections were oversubscribed, shareholders making a stock election had 82.7% of their Pacific West shares exchanged for FS Bancorp common stock at an exchange ratio of 0.30 shares of FS Bancorp common stock for each Pacific West share, with the remaining 17.3% exchanged for $12.93 in cash per Pacific West share. Cash was also paid in lieu of fractional FS Bancorp shares based on a value of $43.12 per share.

The Company incurred acquisition-related costs of $2.5 million and $3.2 million for the three and nine months ended September 30, 2026, respectively, which were expensed as incurred and are included in acquisition costs in noninterest expense on our Consolidated Statements of Income.

The following table summarizes the consideration paid, the aggregate amount recognized for each major class of assets acquired and liabilities assumed by the Company in the Pacific West Acquisition:

Purchase price of Pacific West	At August 19, 2026
Fair Value of FS Bancorp common stock at $42.82⁽¹⁾ per share for 430,149 shares			$	18,419
Cash paid				16,868
Total purchase price				35,287

Fair value of assets acquired:
Cash and cash equivalents	$	153,001
Securities available-for-sale		49,439
Loans receivable, net		252,560
Premises and equipment		5,239
Deferred tax asset		1,516
Cash surrender value of BOLI		4,801
Operating lease right-of-use assets		1,492
Intangible assets – CDI		5,260
Accrued interest receivable and other assets		3,156
Total assets and identifiable intangible assets acquired	$	476,464

Fair value of liabilities assumed:
Deposits	$	435,614
Accrued interest payable and other liabilities		3,905
Total liabilities assumed	$	439,519

Fair value of net assets and identifiable intangible assets acquired				36,945
Bargain purchase gain			$	1,658

__________________________

(1) Stock price is as of the closing date.

The following is a description of the methods used to determine the fair values of significant assets and liabilities presented above.

Cash and cash equivalents: Carrying amounts approximate fair value due to the short-term nature.

Investment securities: Fair values were based on quoted prices when available or, when not observable, on market-based inputs and valuation models using discounted cash flows.

Loans receivable, net: A third-party valuation was performed to estimate the fair value of the loans held for investment. Each loan was valued individually using discounted cash flow approach, incorporating contractual terms, expected credit losses, prepayment assumptions, and market-based discount rates. The present value of expected cash flows, adjusted for credit loss expectations, was used to determine fair value.

The Company early adopted ASU 2025-08 as of January 1, 2026, on a prospective basis. Under this guidance, the acquired financial assets are to be classified as either PCD, loans that have experienced more than insignificant credit deterioration since origination, or PSL. All loans, other than credit card receivables, that are acquired as part of a business combination accounted for using the acquisition method in accordance with Subtopic 805-20 that do not meet the definition of a PCD loan are determined to be PSLs. Loans acquired are recorded at fair value with no carryover of the related allowance for credit losses. The allowance for credit losses is determined on a collective basis and is allocated to the individual loans. The sum of the loan’s purchase price and the allowance for credit losses becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. As a result of adopting ASU 2025-08, eligible non-PCD loans acquired in a business combination are accounted for using the gross-up approach applicable to PSLs.

The Company determined, based on risk ratings, nonaccrual status, delinquency, and modifications to borrowers experiencing financial difficulty at the acquisition date, that the acquired loans classified as PSLs had not experienced more than insignificant credit deterioration since origination and, therefore, did not meet the definition of PCD loans. The PSLs had a fair value of $228.0 million, gross contractual amounts receivable of $230.6 million, and contractual cash flows not expected to be collected of $1.8 million at the acquisition date.

The following table provides a reconciliation between the unpaid principal balance of acquired PCD loans and the fair value at the acquisition date:

	At August 19, 2026
Unpaid principal balance of PCD loans	$	29,819
PCD ACL at acquisition		(2,122	)
Non-credit discount on PCD loans		(3,174	)
Fair value of PCD loans	$	24,523

Premises and equipment: Fair values were determined using a market approach, supported by third-party appraisals and broker opinions of value for land, office buildings, and branch facilities.

Other intangible assets: Core deposit intangible assets represent the value of certain acquired deposit relationships. A third-party valuation was performed to estimate the fair value of the core deposit intangible. Fair value was estimated using a discounted cash flow methodology based on the present value of expected cost savings from utilizing core deposit funding compared to alternative funding sources. Key assumptions included expected customer attrition rates, net maintenance costs of the deposit base, alternative cost of funds, and interest costs associated with customer deposits. The resulting intangible assets are amortized over 10 years.

Deposits: Fair values for demand and savings deposits were estimated to equal the amounts payable on demand at the acquisition date. Fair values for the time deposits were determined using a discounted cash flow approach that applied current market interest rates to the contractual terms of the deposits.

The Company determined that the disclosure requirements related to the amounts of revenues and earnings of Pacific West included in the consolidated statements of operations since the August 19, 2026 acquisition date was impracticable. The financial and operating results of Pacific West were commingled with the Company’s financial activity and operating results as of the acquisition date.

The following unaudited pro forma consolidated financial information reflects the results of operations of the Company for the three and nine months ended September 30, 2026 and 2025, as if the Pacific West Acquisition had been completed on January 1, 2025. Pro forma adjustments reflect changes in interest income from the accretion of discounts and premiums on acquired loans, changes in interest expense from amortization or accretion of fair value adjustments on interest-bearing deposits, and the amortization of the core deposit intangibles as if the deposits had been acquired on January 1, 2025. These pro forma results have been prepared for illustrative purposes only and are based on estimates and assumptions that have been made solely for purposes of developing such pro forma information and are not necessarily indicative of what the Company’s operating results would have been, had the acquisition actually taken place at the beginning of the previous annual period. The amounts do not reflect anticipated operating cost savings, revenue enhancements, or other synergies expected to result from the Pacific West Acquisition. Actual results may differ from the unaudited pro forma information presented.

	Unaudited Pro Forma for the
	Three Months Ended September 30,				Nine Months Ended September 30,
	2026		2025		2026		2025
Net interest income	$	36,870	$	35,965	$	109,144	$	105,883
Noninterest income ⁽¹⁾		4,680		5,817		17,311		18,438
Net income before provision for income taxes ⁽¹⁾		7,661		11,779		30,055		29,157

__________________________

(1) Pro forma net income before provision for income taxes for the three and nine months ended September 30, 2026 was adjusted to exclude acquisition-related costs of $2.5 million and $3.2 million, respectively, as well as the $1.7 million bargain purchase gain recognized in connection with the transaction. Noninterest income was also adjusted to exclude the bargain purchase gain. The pro forma results assume the acquisition-related costs and bargain purchase gain were recognized in the first quarter of 2025.

The entire disclosure for business combination.

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Note 3 - Investments - Schedule of Amortized Costs and Fair Values of Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Jun. 30, 2026	Dec. 31, 2025	Sep. 30, 2025	Jun. 30, 2025	Dec. 31, 2024
Amortized cost, available for sale securities	$ 373,705		$ 310,097
Gross unrealized gains, available for sale securities	364		833
Gross unrealized losses, available for sale securities	(31,884)		(22,263)
Total securities available-for-sale, fair value	342,185		288,667
Available-for-Sale, Allowance for Credit Loss	0		0
Amortized cost, held to maturity securities	38,111		33,501
Gross unrealized gains, held to maturity securities	521		1,044
Gross unrealized losses, held to maturity securities	(848)		(149)
Securities held-to-maturity, at fair value	37,784		34,396
Securities held-to-maturity, ACL	377	$ 277	277	$ 220	$ 220	$ 45
Amortized cost, available for sale and held to maturity securities	411,816		343,598
Gross unrealized gains, available for sale and held to maturity securities	885		1,877
Gross unrealized losses, available for sale and held to maturity securities	(32,732)		(22,412)
Total securities, fair value	379,969		323,063
ACL, available for sale and held to maturity securities	377		277
Municipal bonds	38,111		33,501
US Government Agencies Debt Securities [Member]
Amortized cost, available for sale securities	20,276		20,264
Gross unrealized gains, available for sale securities	60		66
Gross unrealized losses, available for sale securities	(2,582)		(2,203)
Total securities available-for-sale, fair value	17,754		18,127
Available-for-Sale, Allowance for Credit Loss	0		0
Corporate Debt Securities [Member]
Amortized cost, available for sale securities	18,129		16,000
Gross unrealized gains, available for sale securities	5		5
Gross unrealized losses, available for sale securities	(594)		(619)
Total securities available-for-sale, fair value	17,540		15,386
Available-for-Sale, Allowance for Credit Loss	0		0
Amortized cost, held to maturity securities	35,966		31,393
Gross unrealized gains, held to maturity securities	452		831
Gross unrealized losses, held to maturity securities	(848)		(149)
Securities held-to-maturity, at fair value	35,570		32,075
Securities held-to-maturity, ACL	377		277
Municipal bonds	35,966		31,393
Municipal Bonds [Member]
Amortized cost, available for sale securities	85,159		81,156
Gross unrealized gains, available for sale securities	0		4
Gross unrealized losses, available for sale securities	(14,390)		(9,755)
Total securities available-for-sale, fair value	70,769		71,405
Available-for-Sale, Allowance for Credit Loss	0		0
Amortized cost, held to maturity securities	2,145		2,108
Gross unrealized gains, held to maturity securities	69		213
Gross unrealized losses, held to maturity securities	0		0
Securities held-to-maturity, at fair value	2,214		2,321
Securities held-to-maturity, ACL	0		0
Municipal bonds	2,145		2,108
Collateralized Mortgage-Backed Securities [Member]
Amortized cost, available for sale securities	236,724		181,849
Gross unrealized gains, available for sale securities	272		757
Gross unrealized losses, available for sale securities	(13,532)		(9,039)
Total securities available-for-sale, fair value	223,464		173,567
Available-for-Sale, Allowance for Credit Loss	0		0
Asset-Backed Securities [Member]
Amortized cost, available for sale securities	13,417		10,828
Gross unrealized gains, available for sale securities	27		1
Gross unrealized losses, available for sale securities	(786)		(647)
Total securities available-for-sale, fair value	12,658		10,182
Available-for-Sale, Allowance for Credit Loss	$ 0		$ 0

Note 5 - Mortgage Servicing Rights (Details Textual) - Mortgage Servicing Rights [Member] - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Fair Value Disclosure, off-Balance-Sheet Risks, Face Amount, Asset	$ 1,714,450		$ 1,714,450		$ 1,673,501
Escrow Deposit	20,000		20,000		10,900
Servicing Asset at Fair Value, Amount	27,225		$ 27,225		$ 21,800
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Adverse Change in Discount Rate, Percent			10.00%
Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Prepayment Speed, Percent			20.00%
Contractually Specified Servicing Fee, Late Fee, and Ancillary Fee Earned in Exchange for Servicing Financial Asset	$ 1,100	$ 1,100	$ 3,400	$ 3,300

Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-2

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-10

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-2

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-1

Note 6 - Derivatives (Tables)

9 Months Ended

Sep. 30, 2026

Schedule of Fair Value Hedging Instruments, Statements of Financial Performance and Financial Position, Location [Table Text Block]

Line item in the Consolidated Balance Sheets in which the hedged item is included	Carrying Amount of the Hedged Assets		Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets
September 30, 2026
Investment securities ⁽¹⁾	$	55,560	$	4,440
Total	$	55,560	$	4,440

December 31, 2025
Investment securities ⁽¹⁾	$	57,869	$	2,131
Total	$	57,869	$	2,131

Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block]

	September 30, 2026
			Fair Value
Cash flow and fair value hedges:	Notional		Asset		Liability
Interest rate swaps	$	285,000	$	6,881	$	—
Non-hedging derivatives:
Fallout adjusted interest rate lock commitments with customers		14,600		50		—
Mandatory and best effort forward commitments with investors		19,243		528		—
Forward TBA mortgage-backed securities		18,000		422		—
Interest rate swaps – customer swap positions		627		—		60
Interest rate swaps – dealer offsets to customer swap positions		627		61		—

	December 31, 2025
			Fair Value
Cash flow and fair value hedges:	Notional		Asset		Liability
Interest rate swaps	$	300,000	$	1,894	$	656
Non-hedging derivatives:
Fallout adjusted interest rate lock commitments with customers		25,468		241		—
Mandatory and best effort forward commitments with investors		8,985		8		—
Forward TBA mortgage-backed securities		56,000		—		146
Interest rate swaps – customer swap positions		627		—		36
Interest rate swaps – dealer offsets to customer swap positions		627		36		—

Derivative Instruments, Gain (Loss) [Table Text Block]

	Three Months Ended September 30,
	2026					2025
	Interest Expense Deposits and Borrowings		Interest Income Securities			Interest Expense Deposits and Borrowings		Interest Income Securities
Total amounts presented on the Consolidated Statements of Income	$	16,811	$	4,075		$	16,797	$	4,309
Net gains (losses) on fair value hedging relationships:
Interest rate swaps – securities
Recognized on hedged items	$	—	$	(1,490	)	$	—	$	241
Recognized on derivatives designated as hedging instruments		—		1,490			—		(241	)
Net interest income recognized on cash flows of derivatives designated as hedging instruments		—		172			—		280
Net income recognized on fair value hedges	$	—	$	172		$	—	$	280
Net gain on cash flow hedging relationships:
Interest rate swaps – brokered deposits and borrowings
Realized gains, pre-tax, reclassified from accumulated other comprehensive loss into net income	$	146	$	—		$	527	$	—
Net income recognized on cash flow hedges	$	146	$	—		$	527	$	—

	Nine Months Ended September 30,
	2026					2025
	Interest					Interest
	Expense		Interest			Expense		Interest
	Deposits and		Income			Deposits and		Income
	Borrowings		Securities			Borrowings		Securities
Total amounts presented on the Consolidated Statements of Income	$	49,013	$	10,856		$	48,223	$	11,459
Net gains (losses) on fair value hedging relationships:
Interest rate swaps – securities
Recognized on hedged items	$	—	$	(2,309	)	$	—	$	2,273
Recognized on derivatives designated as hedging instruments		—		2,309			—		(2,273	)
Net interest income recognized on cash flows of derivatives designated as hedging instruments		—		499			—		822
Net income recognized on fair value hedges	$	—	$	499		$	—	$	822
Net gain on cash flow hedging relationships:
Interest rate swaps – brokered deposits and borrowings
Realized gains, pre-tax, reclassified from accumulated other comprehensive loss into net income	$	273	$	—		$	2,732	$	—
Net income recognized on cash flow hedges	$	273	$	—		$	2,732	$	—

Offsetting Assets [Table Text Block]

			Gross Amounts		Net Amounts of Assets		Gross Amounts Not Offset
	Gross Amounts		Offset in the		Presented in the		in the Consolidated Balance Sheets
	of Recognized		Consolidated		Consolidated		Financial		Cash Collateral
Offsetting of derivative assets	Assets		Balance Sheets		Balance Sheets		Instruments		Received		Net Amount
At September 30, 2026
Interest rate swaps	$	6,942	$	—	$	6,942	$	—	$	—	$	6,942

At December 31, 2025
Interest rate swaps	$	2,269	$	339	$	1,930	$	—	$	—	$	1,930

Offsetting Liabilities [Table Text Block]

					Net Amounts of
			Gross Amounts		Liabilities		Gross Amounts Not Offset
	Gross Amounts		Offset in the		Presented in the		in the Consolidated Balance Sheets
	of Recognized		Consolidated		Consolidated		Financial		Cash Collateral
Offsetting of derivative liabilities	Liabilities		Balance Sheets		Balance Sheets		Instruments		Posted		Net Amount
At September 30, 2026
Interest rate swaps	$	—	$	—	$	—	$	—	$	—	$	—

At December 31, 2025
Interest rate swaps	$	679	$	23	$	656	$	—	$	680	$	—

Tabular disclosure of derivative and other financial assets that are subject to offsetting, including master netting arrangements.

Tabular disclosure of derivative and other financial liabilities that are subject to offsetting, including master netting arrangements.

Note 4 - Loans Receivable and Allowance for Credit Losses - Loans - Schedule of Amortized Cost of Nonaccrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Financing Receivable, Nonaccrual, No Allowance	$ 14,542	$ 4,632
Financing Receivable, Nonaccrual, With Allowance	10,599	14,113
Financing Receivable, Nonaccrual	25,141	18,745
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Nonaccrual, No Allowance	11,496	2,049
Financing Receivable, Nonaccrual, With Allowance	5,623	9,236
Financing Receivable, Nonaccrual	17,119	11,285
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied [Member]
Financing Receivable, Nonaccrual, No Allowance	3,542	2,049
Financing Receivable, Nonaccrual, With Allowance	0	0
Financing Receivable, Nonaccrual	3,542	2,049
Commercial Real Estate Portfolio Segment [Member] \| Non-owner Occupied [Member]
Financing Receivable, Nonaccrual, No Allowance	0	0
Financing Receivable, Nonaccrual, With Allowance	5,623	0
Financing Receivable, Nonaccrual	5,623	0
Commercial Real Estate Portfolio Segment [Member] \| Commercial and Speculative Construction and Development [Member]
Financing Receivable, Nonaccrual, No Allowance	7,824	0
Financing Receivable, Nonaccrual, With Allowance	0	9,236
Financing Receivable, Nonaccrual	7,824	9,236
Commercial Real Estate Portfolio Segment [Member] \| Multifamily [Member]
Financing Receivable, Nonaccrual, No Allowance	130	0
Financing Receivable, Nonaccrual, With Allowance	0	0
Financing Receivable, Nonaccrual	130	0
Residential Portfolio Segment [Member]
Financing Receivable, Nonaccrual, No Allowance	2,847	2,168
Financing Receivable, Nonaccrual, With Allowance	0	0
Financing Receivable, Nonaccrual	2,847	2,168
Residential Portfolio Segment [Member] \| One-to-four Family Loan [Member]
Financing Receivable, Nonaccrual, No Allowance	2,327	1,778
Financing Receivable, Nonaccrual, With Allowance	0	0
Financing Receivable, Nonaccrual	2,327	1,778
Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Financing Receivable, Nonaccrual, No Allowance	520	390
Financing Receivable, Nonaccrual, With Allowance	0	0
Financing Receivable, Nonaccrual	520	390
Consumer Portfolio Segment [Member]
Financing Receivable, Nonaccrual, No Allowance	0	0
Financing Receivable, Nonaccrual, With Allowance	4,976	4,712
Financing Receivable, Nonaccrual	4,976	4,712
Consumer Portfolio Segment [Member] \| Indirect Home Improvement Loan [Member]
Financing Receivable, Nonaccrual, No Allowance	0	0
Financing Receivable, Nonaccrual, With Allowance	4,421	4,256
Financing Receivable, Nonaccrual	4,421	4,256
Consumer Portfolio Segment [Member] \| Marine Loans [Member]
Financing Receivable, Nonaccrual, No Allowance	0	0
Financing Receivable, Nonaccrual, With Allowance	540	454
Financing Receivable, Nonaccrual	540	454
Consumer Portfolio Segment [Member] \| Other Consumer Loan [Member]
Financing Receivable, Nonaccrual, No Allowance	0	0
Financing Receivable, Nonaccrual, With Allowance	15	2
Financing Receivable, Nonaccrual	15	2
Commercial Business Portfolio Segment [Member]
Financing Receivable, Nonaccrual		580
Commercial Business Portfolio Segment [Member] \| Commercial And Industrial [Member]
Financing Receivable, Nonaccrual, No Allowance	199	415
Financing Receivable, Nonaccrual, With Allowance	0	165
Financing Receivable, Nonaccrual	$ 199	$ 580

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Net income	$ 4,926	$ 9,177	$ 20,692	$ 24,926
Securities available-for-sale:
Unrealized (loss) gain during period	(9,652)	3,681	(10,079)	5,640
Income tax benefit (provision) related to unrealized (loss) gain	2,075	(793)	2,167	(1,213)
Reclassification adjustment for realized gain, net included in net income	(11)	0	(11)	0
Income tax provision related to reclassification for realized gain, net	2	0	2	0
Derivative financial instruments:
Unrealized derivative gain (loss) during period	3,174	241	6,844	(3,275)
Income tax (provision) benefit related to unrealized derivative gain (loss)	(687)	(47)	(1,472)	704
Reclassification adjustment for realized gain, net included in net income	(317)	(807)	(771)	(2,634)
Income tax provision related to reclassification, net	68	172	166	565
Other comprehensive (loss) income, net of tax	(5,348)	2,447	(3,154)	(213)
COMPREHENSIVE (LOSS) INCOME	$ (422)	$ 11,624	$ 17,538	$ 24,713

Note 3 - Investments - Sales of Securities Available for Sale (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Securities available-for-sale, proceeds	$ 1,652	$ 0	$ 1,652	$ 0
Securities available-for-sale, gross gain	11		11
Securities available-for-sale, gross losses	$ 0		$ 0

Note 10 - Fair Value Measurements - Schedule of Schedule of Financial Assets and Liabilities on a Recurring and Non-recurring Basis (Details) - Fair Value, Inputs, Level 3 [Member]	Sep. 30, 2026	Dec. 31, 2025
Minimum [Member] \| Interest Rate Lock Commitments [Member] \| Fair Value, Recurring [Member] \| Valuation, Market Approach [Member] \| Pull-through Expectations Rate [Member]
Interest rate lock commitments with customers	0.80
Minimum [Member] \| Individual Forward Sale Commitments With Investors [Member] \| Fair Value, Recurring [Member] \| Valuation, Market Approach [Member] \| Pull-through Expectations Rate [Member]
Interest rate lock commitments with customers	0.80
Minimum [Member] \| Collateral Dependent Loans [Member] \| Fair Value, Nonrecurring [Member] \| Fair Value of Underlying Collateral [Member] \| Measurement Input, Discount Rate [Member]
Collateral dependent loans	0
Minimum [Member] \| Mortgage Servicing Rights [Member] \| Fair Value, Nonrecurring [Member] \| Industry Sources [Member] \| Measurement Input, Prepayment Rate [Member]
Collateral dependent loans	0
Maximum [Member] \| Interest Rate Lock Commitments [Member] \| Fair Value, Recurring [Member] \| Valuation, Market Approach [Member] \| Pull-through Expectations Rate [Member]
Interest rate lock commitments with customers	0.99
Maximum [Member] \| Individual Forward Sale Commitments With Investors [Member] \| Fair Value, Recurring [Member] \| Valuation, Market Approach [Member] \| Pull-through Expectations Rate [Member]
Interest rate lock commitments with customers	0.99
Maximum [Member] \| Collateral Dependent Loans [Member] \| Fair Value, Nonrecurring [Member] \| Fair Value of Underlying Collateral [Member] \| Measurement Input, Discount Rate [Member]
Collateral dependent loans	0.25
Maximum [Member] \| Mortgage Servicing Rights [Member] \| Fair Value, Nonrecurring [Member] \| Industry Sources [Member] \| Measurement Input, Prepayment Rate [Member]
Collateral dependent loans	0.50
Weighted Average [Member] \| Interest Rate Lock Commitments [Member] \| Fair Value, Recurring [Member] \| Valuation, Market Approach [Member] \| Pull-through Expectations Rate [Member]
Interest rate lock commitments with customers	0.931	0.937
Weighted Average [Member] \| Individual Forward Sale Commitments With Investors [Member] \| Fair Value, Recurring [Member] \| Valuation, Market Approach [Member] \| Pull-through Expectations Rate [Member]
Interest rate lock commitments with customers	0.931	0.937
Weighted Average [Member] \| Collateral Dependent Loans [Member] \| Fair Value, Nonrecurring [Member] \| Fair Value of Underlying Collateral [Member] \| Measurement Input, Discount Rate [Member]
Collateral dependent loans	0.10	0
Weighted Average [Member] \| Mortgage Servicing Rights [Member] \| Fair Value, Nonrecurring [Member] \| Industry Sources [Member] \| Measurement Input, Prepayment Rate [Member]
Collateral dependent loans	0.056	0.085

Note 12 - Stock-based Compensation - Schedule of Stock Option Awards (Details) - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2026	Dec. 31, 2025
Beginning balance, options (in shares)	658,623
Beginning balance, Weighted Average Exercise Price (in dollars per share)	$ 33.47
Outstanding, Weighted Average Remaining Contractual Term (Year)	5 years 11 months 4 days	6 years 7 months 17 days
Outstanding, Intrinsic Value	$ 6,285,673	$ 5,134,992
Granted, options (in shares)	0
Granted, Weighted Average Exercise Price (in dollars per share)	$ 0
Granted, Intrinsic Value	$ 0
Less exercised, options (in shares)	14,560
Less exercised, Weighted Average Exercise Price (in dollars per share)	$ 30.76
Less exercised, Intrinsic Value	$ 169,447
Less forfeited (in shares)	750
Less forfeited, Weighted Average Exercise Price (in dollars per share)	$ 40.14
Ending balance, options (in shares)	643,313	658,623
Ending balance, Weighted Average Exercise Price (in dollars per share)	$ 33.52	$ 33.47
Expected to vest, options (in shares)	461,073
Expected to vest, Weighted Average Exercise Price (in dollars per share)	$ 31.73
Expected to vest, Weighted Average Remaining Contractual Term (Year)	5 years 29 days
Expected to vest, Intrinsic Value	$ 5,328,551
Exercisable, options (in shares)	178,662
Exercisable, Weighted Average Exercise Price (in dollars per share)	$ 38.02
Exercisable, Weighted Average Remaining Contractual Term (Year)	8 years 18 days
Exercisable, Intrinsic Value	$ 941,485

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Available-for-Sale, Amortized Cost	$ 373,705	$ 310,097
Available-for-Sale, Allowance for Credit Loss	0	0
Held-to-Maturity, Allowance for Credit Loss	377	277
Securities held-to-maturity, at fair value	37,784	34,396
Financing Receivable, Allowance for Credit Loss	36,463	31,937
Loans receivable, at fair value	$ 13,852	$ 13,183
Preferred Stock, Par Value (in dollars per share)	$ 0.01	$ 0.01
Preferred Stock, Shares Authorized (in shares)	5,000,000	5,000,000
Preferred Stock, Shares Issued (in shares)	0	0
Preferred Stock, Shares Outstanding (in shares)	0	0
Common Stock, Par Value (in dollars per share)	$ 0.01	$ 0.01
Common Stock, Shares Authorized (in shares)	45,000,000	45,000,000
Common Stock, Shares Issued (in shares)	7,867,367	7,507,519
Common Stock, Shares Outstanding (in shares)	7,867,367	7,507,519

Note 10 - Fair Value Measurements - Schedule of Financial Assets and Liabilities on a Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Loans receivable, at fair value	$ 22,820	$ 43,705
Interest Rate Swap [Member]
Derivatives liabilities	0	(656)
Derivative asset	6,942	1,930
Derivatives liabilities	0	(656)
Fair Value, Recurring [Member]
Mortgage loans held for sale, at fair value	22,820	43,705
Loans receivable, at fair value	13,852	13,183
Total assets measured at fair value	386,799	347,734
Financial liabilities	(60)	(838)
Fair Value, Recurring [Member] \| Interest Rate Swap [Member]
Derivative asset	6,881	1,894
Fair Value, Recurring [Member] \| Dealer Offsets to Customer Swap [Member]
Derivative asset	61	36
Fair Value, Recurring [Member] \| Cash Flow and Fair Value Hedges Swap [Member]
Derivatives liabilities		(656)
Derivatives liabilities		(656)
Fair Value, Recurring [Member] \| Customer Swap [Member]
Derivatives liabilities	(60)	(36)
Derivatives liabilities	(60)	(36)
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Mortgage loans held for sale, at fair value	0	0
Loans receivable, at fair value	0	0
Total assets measured at fair value	0	0
Financial liabilities	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Interest Rate Swap [Member]
Derivative asset	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Dealer Offsets to Customer Swap [Member]
Derivative asset	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Cash Flow and Fair Value Hedges Swap [Member]
Derivatives liabilities		0
Derivatives liabilities		0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Customer Swap [Member]
Derivatives liabilities	0	0
Derivatives liabilities	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Mortgage loans held for sale, at fair value	22,820	43,705
Loans receivable, at fair value	13,852	13,183
Total assets measured at fair value	386,221	347,485
Financial liabilities	(60)	(838)
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Interest Rate Swap [Member]
Derivative asset	6,881	1,894
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Dealer Offsets to Customer Swap [Member]
Derivative asset	61	36
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Cash Flow and Fair Value Hedges Swap [Member]
Derivatives liabilities		(656)
Derivatives liabilities		(656)
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Customer Swap [Member]
Derivatives liabilities	(60)	(36)
Derivatives liabilities	(60)	(36)
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Mortgage loans held for sale, at fair value	0	0
Loans receivable, at fair value	0	0
Total assets measured at fair value	578	249
Financial liabilities	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Interest Rate Swap [Member]
Derivative asset	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Dealer Offsets to Customer Swap [Member]
Derivative asset	0	0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Cash Flow and Fair Value Hedges Swap [Member]
Derivatives liabilities		0
Derivatives liabilities		0
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Customer Swap [Member]
Derivatives liabilities	0	0
Derivatives liabilities	0	0
Fair Value, Recurring [Member] \| US Government Agencies Debt Securities [Member]
Securities available-for-sale	17,754	18,127
Fair Value, Recurring [Member] \| US Government Agencies Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| US Government Agencies Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available-for-sale	17,754	18,127
Fair Value, Recurring [Member] \| US Government Agencies Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| Corporate Debt Securities [Member]
Securities available-for-sale	17,540	15,386
Fair Value, Recurring [Member] \| Corporate Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| Corporate Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available-for-sale	17,540	15,386
Fair Value, Recurring [Member] \| Corporate Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| US States and Political Subdivisions Debt Securities [Member]
Securities available-for-sale	70,769	71,405
Fair Value, Recurring [Member] \| US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available-for-sale	70,769	71,405
Fair Value, Recurring [Member] \| US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| Collateralized Mortgage-Backed Securities [Member]
Securities available-for-sale	223,464	173,567
Fair Value, Recurring [Member] \| Collateralized Mortgage-Backed Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| Collateralized Mortgage-Backed Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available-for-sale	223,464	173,567
Fair Value, Recurring [Member] \| Collateralized Mortgage-Backed Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| Asset-Backed Securities [Member]
Securities available-for-sale	12,658	10,182
Fair Value, Recurring [Member] \| Asset-Backed Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| Asset-Backed Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available-for-sale	12,658	10,182
Fair Value, Recurring [Member] \| Asset-Backed Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities available-for-sale	0	0
Fair Value, Recurring [Member] \| Mandatory and Best Effort Forward Commitments [Member]
Derivatives liabilities	528
Derivative asset		8
Derivatives liabilities	528
Fair Value, Recurring [Member] \| Mandatory and Best Effort Forward Commitments [Member] \| Fair Value, Inputs, Level 1 [Member]
Derivatives liabilities	0
Derivative asset		0
Derivatives liabilities	0
Fair Value, Recurring [Member] \| Mandatory and Best Effort Forward Commitments [Member] \| Fair Value, Inputs, Level 2 [Member]
Derivatives liabilities	0
Derivative asset		0
Derivatives liabilities	0
Fair Value, Recurring [Member] \| Mandatory and Best Effort Forward Commitments [Member] \| Fair Value, Inputs, Level 3 [Member]
Derivatives liabilities	528
Derivative asset		8
Derivatives liabilities	528
Fair Value, Recurring [Member] \| Interest Rate Lock Commitments [Member]
Derivative asset	50	241
Fair Value, Recurring [Member] \| Interest Rate Lock Commitments [Member] \| Fair Value, Inputs, Level 1 [Member]
Derivative asset	0	0
Fair Value, Recurring [Member] \| Interest Rate Lock Commitments [Member] \| Fair Value, Inputs, Level 2 [Member]
Derivative asset	0	0
Fair Value, Recurring [Member] \| Interest Rate Lock Commitments [Member] \| Fair Value, Inputs, Level 3 [Member]
Derivative asset	50	241
Fair Value, Recurring [Member] \| Forward TBA Mortgage-Backed Securities [Member]
Derivatives liabilities	422
Derivative asset		(146)
Derivatives liabilities	422
Fair Value, Recurring [Member] \| Forward TBA Mortgage-Backed Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Derivatives liabilities	0
Derivative asset		0
Derivatives liabilities	0
Fair Value, Recurring [Member] \| Forward TBA Mortgage-Backed Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Derivatives liabilities	422
Derivative asset		(146)
Derivatives liabilities	422
Fair Value, Recurring [Member] \| Forward TBA Mortgage-Backed Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Derivatives liabilities	0
Derivative asset		$ 0
Derivatives liabilities	$ 0

Note 15 - Goodwill and Other Intangible Assets - Schedule of Amortization (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Total	$ 13,525	$ 10,518
Core Deposits [Member]
Remainder of 2026	935
2027	3,460
2028	2,966
2029	2,035
2030	1,585
Thereafter	2,544
Total	$ 13,525

Note 10 - Fair Value Measurements

9 Months Ended

Sep. 30, 2026

Fair Value Disclosures [Text Block]

NOTE 10 – FAIR VALUE MEASUREMENTS

The Company determines fair value based on the requirements established in ASC Topic 820, Fair Value Measurements, which provides a framework for measuring fair value in accordance with U.S. GAAP and requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. ASC Topic 820 defines fair value as the exit price, or the price that would be received for an asset or paid to transfer a liability, in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date under current market conditions.

The following definitions describe the levels of inputs that may be used to measure fair value:

Level 1 – Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.

Level 2 – Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.

Level 3 – Inputs to the valuation methodology are unobservable and significant to the fair value measurement.

The following methods were used to estimate the fair value of certain assets and liabilities on a recurring and nonrecurring basis:

Securities – The fair value of securities available-for-sale is recorded on a recurring basis. The fair value of investments and mortgage-backed securities is provided by a third-party pricing service. These valuations are based on market data using pricing models that vary by asset class and incorporate available current trade, bid, and other market information, and for structured securities, cash flow, and loan performance data. The pricing processes utilize benchmark curves, benchmarking of similar securities, sector groupings, and matrix pricing. Option adjusted spread models are also used to assess the impact of changes in interest rates and to develop prepayment scenarios (Level 2). Transfers between the fair value hierarchy are determined by the third-party service provider, which, from time to time, will transfer securities between levels based on market conditions. All models and processes used consider market convention.

Mortgage Loans Held for Sale – The fair value of loans held for sale reflects the value of commitments with investors and/or the relative price as delivered into a TBA mortgage-backed security (Level 2).

Loans Receivable – Certain residential mortgage loans were initially originated for sale with the fair value option elected; after origination, these loans were transferred to loans held for investment. As of September 30, 2026 and December 31, 2025, there were $13.9 million and $13.2 million, respectively, in residential mortgage loans recorded at fair value as they were previously transferred from held for sale, at fair value to loans held for investment. The aggregate unpaid principal balance of these loans was $15.2 million and $13.8 million, respectively as of September 30, 2026 and December 31, 2025. Gains and losses from changes in fair value for these loans are reported in earnings as a component of “Other noninterest income” on the Consolidated Statements of Income. For the three months ended September 30, 2026, the Company recorded a net decrease in fair value of $742,000, as compared to a net increase in fair value of $203,000, for the three months ended September 30, 2025. For the nine months ended September 30, 2026 and 2025, the Company recorded a net decrease in fair value of $799,000 and net increase of $469,000, respectively. For loans originated as held for sale and transferred into loans held for investment, the fair value is determined based on quoted secondary market prices for similar loans (Level 2).

Derivative Instruments – Fair values for derivative assets and liabilities are measured on a recurring basis. The primary use of derivative instruments is related to the mortgage banking activities of the Company. The fair value of the interest rate lock commitments and forward sales commitments is estimated using quoted or published market prices for similar instruments, adjusted for factors such as pull-though rate assumptions based on historical information, where appropriate. TBA mortgage-backed securities are fair valued based on similar contracts in active markets (Level 2), while locks and forwards with customers and investors are fair valued using similar contracts in the market and changes in market interest rates (Level 2 and Level 3). Derivative instruments not related to mortgage banking activities include interest rate swap agreements. The fair values of interest rate swap agreements are based on valuation models using observable market data as of the measurement date (Level 2). The Company’s derivatives are traded in an over-the-counter market where quoted market prices are not always available. Therefore, the fair values of derivatives are determined using quantitative models that utilize multiple market inputs. The inputs will vary based on the type of derivative, but could include interest rates, prices, and indices to generate continuous yield or pricing curves, prepayment rates, and volatility factors to value the position. The majority of market inputs are actively quoted and can be validated through external sources, including market transactions and third-party pricing services. The fair values of all interest rate swaps are determined from third-party pricing services without adjustment.

Collateral-Dependent Loans – Expected credit losses on collateral dependent loans are measured based on the fair value of collateral as of the reporting date, less estimated selling costs, as applicable. If the fair value of the collateral is less than the amortized cost basis of the loan, the Company will recognize an allowance equal to the difference between the fair value of the collateral, less costs to sell (if applicable), and the amortized cost basis of the loan. If the fair value of the collateral exceeds the amortized cost basis of the loan, any expected recovery added to the amortized cost basis is limited to the amount previously charged off. Subsequent changes in expected credit losses on collateral-dependent loans are included within the provision for credit losses, either as an additional provision or as a reduction of the provision that would otherwise be reported (Level 3).

Mortgage Servicing Rights – The fair value of MSRs is estimated using net present value of expected cash flows from a third-party model that incorporates assumptions used in the industry to value such rights, adjusted for factors such as weighted average prepayment speeds based on historical information where appropriate (Level 3).

The following tables present securities available-for-sale, mortgage loans held for sale, loans receivable, at fair value, and derivative assets and liabilities measured at fair value on a recurring basis at the dates indicated:

Financial Assets	At September 30, 2026
Securities available-for-sale:	Level 1		Level 2			Level 3		Total
U.S. agency securities	$	—	$	17,754		$	—	$	17,754
Corporate securities		—		17,540			—		17,540
Municipal bonds		—		70,769			—		70,769
Mortgage-backed securities		—		223,464			—		223,464
Asset-backed securities		—		12,658			—		12,658
Mortgage loans held for sale, at fair value		—		22,820			—		22,820
Loans receivable, at fair value		—		13,852			—		13,852
Derivatives:
Mandatory and best effort forward commitments with investors		—		—			528		528
Interest rate lock commitments with customers		—		—			50		50
Forward TBA mortgage-backed securities		—		422			—		422
Interest rate swaps - cash flow and fair value hedges		—		6,881			—		6,881
Interest rate swaps - dealer offsets to customer swap positions		—		61			—		61
Total assets measured at fair value	$	—	$	386,221		$	578	$	386,799
Financial Liabilities
Derivatives:
Interest rate swaps - customer swap positions	$	—	$	(60	)	$	—	$	(60	)
Total liabilities measured at fair value	$	—	$	(60	)	$	—	$	(60	)

Financial Assets	At December 31, 2025
Securities available-for-sale:	Level 1		Level 2			Level 3		Total
U.S. agency securities	$	—	$	18,127		$	—	$	18,127
Corporate securities		—		15,386			—		15,386
Municipal bonds		—		71,405			—		71,405
Mortgage-backed securities		—		173,567			—		173,567
Asset-backed securities		—		10,182			—		10,182
Mortgage loans held for sale, at fair value		—		43,705			—		43,705
Loans receivable, at fair value		—		13,183			—		13,183
Derivatives:
Mandatory and best effort forward commitments with investors		—		—			8		8
Interest rate lock commitments with customers		—		—			241		241
Interest rate swaps- cash flow and fair value hedges		—		1,894			—		1,894
Interest rate swaps - dealer offsets to customer swap positions		—		36			—		36
Total assets measured at fair value	$	—	$	347,485		$	249	$	347,734
Financial Liabilities
Derivatives:
Interest rate swaps - cash flow and fair value hedges	$	—	$	(656	)	$	—	$	(656	)
Interest rate swaps - customer swap positions		—		(36	)		—		(36	)
Forward TBA mortgage-backed securities		—		(146	)		—		(146	)
Total liabilities measured at fair value	$	—	$	(838	)	$	—	$	(838	)

The following tables present financial assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy at September 30, 2026 and December 31, 2025. Level 3 assets recorded at fair value on a nonrecurring basis included loans for which a partial charge-off was recorded based on the estimated fair value of the underlying collateral.

	September 30, 2026
	Level 1		Level 2		Level 3		Total
Collateral dependent loans	$	—	$	—	$	12,783	$	12,783
MSRs		—		—		27,225		27,225

	December 31, 2025
	Level 1		Level 2		Level 3		Total
Collateral dependent loans	$	—	$	—	$	9,236	$	9,236
MSRs		—		—		21,800		21,800

Quantitative Information about Level 3 Fair Value Measurements – Shown in the table below is the fair value of financial instruments measured under a Level 3 unobservable input on a recurring and nonrecurring basis at the dates indicated:

Level 3		Significant			Weighted Average Input
Fair Value	Valuation	Unobservable			September 30,			December 31,
Instruments	Techniques	Inputs	Range		2026			2025
RECURRING
Interest rate lock commitments with customers	Quoted market prices	Pull-through expectations		80% - 99%		93.1	%		93.7	%
Individual forward sale commitments with investors	Quoted market prices	Pull-through expectations		80% - 99%		93.1	%		93.7	%
NONRECURRING
Collateral dependent loans	Fair value of underlying collateral	Discount applied to the obtained appraisal		0% - 25%		10.0	%		—	%
MSRs	Industry sources	Prepayment speeds		0% - 50%		5.6	%		8.5	%

The pull-through expectation is based on historical loan closing rates for similar interest rate lock commitments. An increase or decrease in the pull-through expectation would have a corresponding positive or negative fair value adjustment.

The following table provides a reconciliation of assets and liabilities measured at fair value using significant unobservable inputs (Level 3) on a recurring basis during the dates indicated:

				Purchases									Net change in			Net change in
Three Months Ended	Beginning			and			Sales and			Ending			fair value for			fair value for
September 30, 2026	Balance			Issuances			Settlements			Balance			gains/(losses) ⁽¹⁾			gains/(losses)⁽²⁾
Interest rate lock commitments with customers	$	616		$	589		$	(1,155	)	$	50		$	(566	)	$	—
Individual forward sale commitments with investors		7			695			(174	)		528			521			—
September 30, 2025
Interest rate lock commitments with customers	$	409		$	864		$	(998	)	$	275		$	(134	)	$	—
Individual forward sale commitments with investors		(162	)		(92	)		226			(28	)		134			—

			Purchases									Net change in			Net change in
Nine Months Ended	Beginning		and			Sales and			Ending			fair value for			fair value for
September 30, 2026	Balance		Issuances			Settlements			Balance			gains/(losses)⁽¹⁾			gains/(losses)⁽²⁾
Interest rate lock commitments with customers	$	241	$	3,645		$	(3,836	)	$	50		$	(191	)	$	—
Individual forward sale commitments with investors		8		1,189			(669	)		528			520			—
September 30, 2025
Interest rate lock commitments with customers	$	103	$	3,104		$	(2,932	)	$	275		$	172		$	—
Individual forward sale commitments with investors		31		(345	)		286			(28	)		(59	)		—

(1) Relating to items held at end of period included in income.

(2) Relating to items held at end of period included in other comprehensive income.

Gains on interest rate lock commitments and on forward sale commitments with investors carried at fair value are recorded in “Gain on sale of loans held for sale” on the Consolidated Statements of Income.

The following table provides estimated fair values of the Company’s financial instruments at the dates indicated, whether recognized at fair value or not on the Consolidated Balance Sheets:

	September 30, 2026				December 31, 2025
Financial Assets	Carrying		Fair		Carrying		Fair
Level 1 inputs:	Amount		Value		Amount		Value
Cash and cash equivalents	$	43,947	$	43,947	$	28,219	$	28,219
Level 2 inputs:
Securities available-for-sale, at fair value		342,185		342,185		288,667		288,667
Securities held-to-maturity, gross		38,111		37,784		33,501		34,396
Loans held for sale, at fair value		22,820		22,820		43,705		43,705
Loans receivable, at fair value		13,852		13,852		13,183		13,183
Interest rate swaps - cash flow and fair value hedges		6,881		6,881		1,894		1,894
Interest rate swaps - dealer offsets to customer swap positions		61		61		36		36
Level 3 inputs:
Loans receivable, gross, at amortized cost		3,030,740		2,961,184		2,641,926		2,578,744
MSRs, held at lower of cost or fair value		8,887		27,225		8,608		21,800
Mandatory and best effort forward commitments with investors		528		528		8		8
Fair value interest rate locks with customers		50		50		241		241
Financial Liabilities
Level 2 inputs:
Time deposits		1,021,727		1,014,808		1,130,396		1,129,892
Borrowings		373,500		371,502		129,305		128,360
Subordinated notes, excluding unamortized debt issuance costs		46,000		45,292		50,000		48,856
Interest rate swaps - cash flow and fair value hedges		—		—		656		656
Forward TBA mortgage-backed securities		—		—		146		146
Interest rate swaps - customer swap positions		60		60		36		36

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

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Note 12 - Stock-based Compensation

9 Months Ended

Sep. 30, 2026

Share-Based Payment Arrangement [Text Block]

NOTE 12 – STOCK-BASED COMPENSATION

Stock Options and Restricted Stock

On May 21, 2026, the shareholders of FS Bancorp approved the FS Bancorp, Inc. 2026 Equity Incentive Plan (the “2026 Plan”) which authorized the issuance of up to 315,000 shares of the Company's common stock. The 2026 Plan provides for the grant of incentive stock options, nonqualified stock options, restricted stock awards (“RSAs”), and restricted stock units to directors, officers, employees, and other eligible service providers of the Company. At September 30, 2026, 251,896 shares remained available for future grants under the 2026 Plan.

On May 17, 2018, the shareholders of FS Bancorp approved the FS Bancorp 2018 Equity Incentive Plan (the “2018 Plan”) which authorized 1.3 million shares of the Company’s common stock to be awarded. The 2018 Plan provides for the grant of incentive stock options, nonqualified stock options, and up to 326,000 shares as RSAs to directors, emeritus directors, officers, employees and advisory directors of the Company. At September 30, 2026, there were no stock options or RSAs available for future grants under the 2018 Plan.

Total share-based compensation expense was $627,000 and $1.9 million for the three and nine months ended September 30, 2026, and $583,000 and $1.6 million for the three and nine months ended September 30, 2025, respectively.

Stock-based compensation awards are settled by issuing new shares from the Company's pool of authorized but unissued common stock, rather than previously repurchased treasury shares.

Stock Options

The 2026 Plan and 2018 Plan provide for the grant of stock option awards that may be designated as either incentive stock options or nonqualified stock options. Stock option awards generally vest over a one-year period for non-employee directors and over a four- or five-year period for employees and officers, with annual vesting in equal installments on the anniversary date of each grant date, provided the award recipient remains in continuous service with the Company. Options become exercisable after vesting and remain exercisable for the remaining term of the original grant, subject to a maximum term of 10 years. Any unexercised stock options expire 10 years after the grant date, or earlier upon the termination of the recipient's service with the Company or the Bank.

The fair value of each stock option award is estimated on the grant date using a Black-Scholes option pricing model, which incorporates the following assumptions. The dividend yield is based on the current quarterly dividend in effect at the time of the grant. The historical volatility of the Company's stock price over a specified period of time is used for the expected volatility. The Company bases the risk-free interest rate on the comparable U.S. Treasury rate in effect on the grant date for the expected term of the option. The Company elected to use the simplified expected term calculation method permitted by Staff Accounting Bulletin No. 107 for “Share-Based Payments” to calculate the expected term. This method uses the vesting term of an option along with the contractual term, setting the expected life at 5.5 years for one-year vesting, 6.25 years for four-year vesting, and 6.5 years for five-year vesting.

The following table presents a summary of the Company’s stock option awards during the dates indicated (shown as actual):

	Shares		Weighted-Average Exercise Price		Weighted-Average Remaining Contractual Term In Years		Aggregate Intrinsic Value
Outstanding at January 1, 2026		658,623	$	33.47		6.63	$	5,134,992
Granted		—		—		—		—
Less exercised		14,560		30.76		—		169,447
Less forfeited		750		40.14		—		—
Outstanding at September 30, 2026		643,313	$	33.52		5.93	$	6,285,673

Expected to vest at September 30, 2026		461,073	$	31.73		5.08	$	5,328,551

Exercisable at September 30, 2026		178,662	$	38.02		8.05	$	941,485

At September 30, 2026, there was $2.0 million of total unrecognized compensation cost related to nonvested stock options granted under the 2018 and 2026 Plans. The cost is expected to be recognized over the remaining weighted-average vesting period of 2.7 years.

Restricted Stock Awards

The fair value of RSAs is equal to the market price of FS Bancorp’s common stock on the grant date. Compensation expense is recognized over the vesting period of the awards based on the fair value of the restricted stock. Shares granted under the 2026 Plan and the 2018 Plan generally vest over a four- or five-year period for employees and officers, beginning on the grant date, and over a one-year period for non-employee directors, with vesting occurring at the end of the one-year period. Any nonvested RSAs are forfeited upon the award recipient’s termination of service with the Company or the Bank.

The following table presents a summary of the Company’s nonvested awards during the dates indicated (shown as actual):

Nonvested Shares	Shares		Weighted-Average Grant-Date Fair Value Per Share
Nonvested at January 1, 2026		102,971	$	37.73
Granted		63,104		43.48
Less vested		38,505		36.98
Nonvested at September 30, 2026		127,570	$	40.80

At September 30, 2026, there was $5.0 million of total unrecognized compensation cost related to nonvested shares granted under the 2018 and 2026 Plans as RSAs. The cost is expected to be recognized over the remaining weighted-average vesting period of 3.1 years.

Note 4 - Loans Receivable and Allowance for Credit Losses - Loans (Details Textual) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Aug. 19, 2026	Dec. 31, 2025
Financing Receivable, Unamortized Loan Cost (Fee)	$ 10,900,000		$ 10,900,000			$ 8,600,000
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	3,044,592,000		3,044,592,000			2,655,109,000
Financing Receivable, Modified, Commitment to Lend	0		0			0
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount			0
Financing Receivable, Modified, Subsequent Default	0	$ 0	0	$ 0
Financing Receivable, 90 Days or More Past Due, Still Accruing	0		0			0
Financing Receivable, Nonaccrual, Interest Income	151,000	$ 146,000	425,000	$ 391,000
Real Estate Owned (OREO) [Member]
Mortgage Loans in Process of Foreclosure, Amount	1,200,000		1,200,000			156,000
Commercial Business Portfolio Segment [Member]
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	338,192,000		338,192,000			329,291,000
Commercial Business Portfolio Segment [Member] \| Commercial And Industrial [Member]
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	322,572,000		322,572,000			301,111,000
Commercial Business Portfolio Segment [Member] \| Commercial And Industrial [Member] \| SBA USDA Guaranteed Certificates [Member]
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	37,800,000		37,800,000			44,800,000
Asset Pledged as Collateral [Member] \| Federal Home Loan Bank Advances [Member]
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	1,130,000,000		1,130,000,000			1,080,000,000.00
Asset Pledged as Collateral [Member] \| Federal Reserve Bank [Member] \| Federal Reserve Bank of San Francisco [Member]
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	$ 549,400,000		$ 549,400,000			$ 580,900,000
Pacific West [Member]
Business Combination, Recognized Asset Acquired, Receivable Acquired at Fair Value					$ 252,600,000

Note 1 - Basis of Presentation and Summary of Significant Accounting Policies

9 Months Ended

Sep. 30, 2026

Basis of Presentation and Significant Accounting Policies [Text Block]

NOTE 1 – BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Nature of Operations – FS Bancorp, Inc. (the “Company”) was incorporated in September 2011 as the holding company for 1st Security Bank of Washington (the “Bank” or “1st Security Bank”) in connection with the Bank’s conversion from the mutual to stock form of ownership which was completed on July 9, 2012. The Bank is a community-based savings bank with 32 full-service bank branches, a headquarters that also originates loans and accepts deposits, and loan production offices in suburban communities in the greater Puget Sound area, the Kennewick-Pasco-Richland metropolitan area of Washington, also known as the Tri-Cities, Goldendale, Vancouver, and White Salmon, Washington and Manzanita, Newport, Ontario, Tillamook, Waldport, and the Portland metropolitan area of Oregon. The Bank provides loan and deposit services to customers who are predominantly small- and middle-market businesses and individuals. The Company and its subsidiary are subject to regulation by certain federal and state agencies and undergo periodic examination by these regulatory agencies.

On August 19, 2026, the Company completed its acquisition of Pacific West Bancorp (“Pacific West”), pursuant to the Agreement and Plan of Merger dated February 25, 2026 (the “Merger Agreement”) by and between FS Bancorp and Pacific West. Under the terms of the Merger Agreement, Pacific West merged with and into FS Bancorp (“Pacific West Acquisition”), with FS Bancorp as the surviving corporation. Immediately after the Pacific West Acquisition, FS Bancorp merged Pacific West Bank, a wholly-owned subsidiary of Pacific West, with and into 1st Security Bank of Washington as the surviving bank. For additional information, see “Note 2 – Business Combination.”

Financial Statement Presentation – The accompanying unaudited interim consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“U.S. GAAP”) for interim financial information and in accordance with the instructions to Form 10‑Q and Article 10 of Regulation S-X as promulgated by the Securities and Exchange Commission (“SEC”). These unaudited interim consolidated financial statements should be read in conjunction with the Company’s Annual Report on Form 10‑K which includes all the audited financial statements and footnotes required by U.S. GAAP for complete financial statements for the year ended December 31, 2025. In the opinion of management, all normal adjustments and recurring accruals considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. Certain prior-period amounts have been reclassified to conform to the current period presentation. These matters did not have an impact on net income or earnings per share for the periods presented.

The results for the three and nine months ended September 30, 2026, are not necessarily indicative of the results that may be expected for the year ending December 31, 2026, or any other future period. The preparation of financial statements, in conformity with U.S. GAAP, requires management to make estimates and assumptions that affect amounts reported in the financial statements. Actual results could differ from these estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses (“ACL”).

Amounts presented in the consolidated financial statements and footnote tables are rounded to the nearest thousand dollars, except for per share amounts. Amounts above $1.0 million are rounded to one decimal place, and amounts above $1.0 billion are rounded to two decimal places.

Principles of Consolidation – The consolidated financial statements include the accounts of FS Bancorp and its wholly owned subsidiary, 1st Security Bank. All material intercompany accounts have been eliminated in consolidation.

Segment Reporting – The Company operates in two business segments through the Bank: commercial and consumer banking and home lending. The Company’s business segments are determined based on the products and services provided, as well as the nature of the related business activities, and they reflect the way financial information is regularly reviewed for the purpose of allocating resources and evaluating performance of the Company’s businesses. The results for these business segments are based on management’s accounting process, which assigns income statement items and assets to each responsible operating segment. This process is dynamic and is based on management’s view of the Company’s operations. See “Note 14 – Business Segments.”

Subsequent Events – The Company has evaluated events and transactions after September 30, 2026, for potential recognition or disclosure.

RECENT ACCOUNTING PRONOUNCEMENTS

In October 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative. The amendments incorporate into the Accounting Standards Codification certain disclosure and presentation requirements currently included in SEC regulations. Each amendment will become effective prospectively upon the SEC’s removal of the related disclosure requirement from its rules. The Company is currently evaluating the impact of ASU 2023-06 and does not expect its adoption to have a material effect on its consolidated financial statements.

In January 2025, the FASB issued guidance within ASU 2025-01, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses. The amendment amends the effective date of ASU 2024-03 to clarify that all public business entities are required to adopt the guidance in annual reporting periods beginning after December 15, 2026, and interim periods within annual reporting periods beginning after December 15, 2027. Early adoption of ASU 2024-03 is permitted. The Company is currently evaluating the impact of ASU 2024-03, as amended by ASU 2025-01, but does not expect it to have a material effect on its consolidated financial statements.

In December 2025, the FASB issued guidance within ASU 2025-11, Interim Reporting. The ASU is intended to improve the navigability of the guidance in ASC 270 and clarify when it applies. Under the amendments, an entity is subject to ASC 270 if it provides “interim financial statements and notes in accordance with GAAP.” The ASU is effective for interim periods in fiscal years beginning after December 15, 2027, for public business entities, with a one-year deferral for all other entities. Early adoption is permitted for all entities. The Company is currently evaluating the impact of this ASU but does not expect it to have a material effect on its consolidated financial statements.

Application of New Accounting Guidance Adopted in 2026

In November 2025, the FASB issued ASU 2025‑08, Financial Instruments—Credit Losses (Topic 326): Purchased Loans, which makes significant changes to the accounting for certain acquired seasoned loans subject to the CECL model. It does not change the existing models for originated assets, purchased credit deteriorated (“PCD”) assets or other acquired assets. PCD assets are acquired individual financial assets (or acquired groups of financial assets with similar risk characteristics) that as of the date of acquisition have experienced a more-than-insignificant deterioration in credit quality since origination. The ASU creates a new model for certain purchased loans expanding the gross-up approach to a newly created category of purchased seasoned loans (“PSL”). Purchased seasoned loans are accounted for using the gross-up method, with initial ACL recognized through a gross up to loans and the noncredit discount accreted into interest income over the life of the loan. Under this method, the initial ACL is recognized as an increase to the amortized cost basis of the acquired loans, rather than as an immediate credit loss expense. The new standard is effective for annual periods beginning after December 15, 2026 and interim reporting periods within those annual periods. Early adoption is permitted. The Company elected early adoption of this ASU as of January 1, 2026. The adoption of ASU 2025-08 resulted in an increase of $1.8 million in loans receivable classified as PSL and a corresponding increase of $1.8 million in the allowance for credit losses related to the Pacific West Bank Acquisition.

Note 10 - Fair Value Measurements (Details Textual) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Loans Receivable, Fair Value Disclosure	$ 13,852,000		$ 13,852,000		$ 13,183,000
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	3,044,592,000		3,044,592,000		2,655,109,000
Residential Mortgage [Member] \| Fair Value, Inputs, Level 2 [Member]
Loans Receivable, Fair Value Disclosure	13,900,000		13,900,000		13,200,000
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	15,200,000		15,200,000		$ 13,800,000
Increase (Decrease) in Finance Receivables	$ (742,000)	$ 203,000	$ (799,000)	$ 469,000

Note 5 - Mortgage Servicing Rights - Schedule of Mortgage Servicing Rights (Details) - Mortgage Servicing Rights [Member] - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Balance, MSR, beginning	$ 8,912	$ 8,652	$ 8,608	$ 9,204
Additions	661	510	2,476	1,242
MSRs amortized	(691)	(662)	(2,261)	(1,917)
Recovery of MSRs	5	6	64	(23)
Balance, MSR, ending	$ 8,887	$ 8,506	$ 8,887	$ 8,506

Note 15 - Goodwill and Other Intangible Assets (Details Textual)		3 Months Ended		9 Months Ended		12 Months Ended
	Jan. 22, 2016	Sep. 30, 2026 USD ($)	Sep. 30, 2025 USD ($)	Sep. 30, 2026 USD ($)	Sep. 30, 2025 USD ($)	Dec. 31, 2025 USD ($)
Goodwill		$ 3,592,000		$ 3,592,000		$ 3,592,000
Intangible Asset, Finite-Lived, Amortization Expense		$ 787,000	$ 787,000	2,253,000	$ 2,426,000
Core Deposits [Member]
Goodwill, Impairment Loss				0
Impairment of Intangible Assets, Finite-Lived				0
Intangible Asset, Finite-Lived, Amortization Expense				$ 2,253,000		$ 3,192,000
Bank of America [Member]
Number of Businesses Acquired	4
Columbia State Bank [Member] \| Core Deposits [Member]
Finite-Lived Intangible Asset, Useful Life (Year)		10 years		10 years
Anchor Bank [Member] \| Core Deposits [Member]
Finite-Lived Intangible Asset, Useful Life (Year)		10 years		10 years

Note 2 - Business Combination - Schedule of Business Combination (Details) - USD ($)
$ in Thousands

3 Months Ended

9 Months Ended

Aug. 19, 2026

Sep. 30, 2026

Sep. 30, 2025

Sep. 30, 2026

Sep. 30, 2025

Fair value of liabilities assumed:

Bargain purchase gain

$ 1,658

$ 0

$ 1,658

$ 0

Pacific West [Member]

Fair Value of FS Bancorp common stock at $42.82 (1) per share for 430,149 shares

^[1]

$ 18,419

Cash paid

16,868

Total purchase price

35,287

Fair value of assets acquired:

Cash and cash equivalents

153,001

Securities available-for-sale

49,439

Loans receivable, net

252,560

Premises and equipment

5,239

Deferred tax asset

1,516

Cash surrender value of BOLI

4,801

Operating lease right-of-use assets

1,492

Intangible assets – CDI

5,260

Accrued interest receivable and other assets

3,156

Total assets and identifiable intangible assets acquired

476,464

Fair value of liabilities assumed:

Deposits

435,614

Accrued interest payable and other liabilities

3,905

Total liabilities assumed

439,519

Fair value of net assets and identifiable intangible assets acquired

36,945

Bargain purchase gain

$ 1,658

$ 1,700

[1]	Stock price is as of the closing date.

Note 4 - Loans Receivable and Allowance for Credit Losses - Loans - Schedule of Allowance for Credit Losses by Category (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Beginning balance	$ 31,165	$ 32,189	$ 31,937	$ 31,870	$ 31,870
Pacific West Acquisition day 1 ACL	3,897		3,897
Provision for credit losses on loans	2,954	1,852	8,163	5,072
Charge-offs	(2,135)	(4,344)	(9,424)	(8,054)	(10,464)
Recoveries	582	359	1,890	1,168
Net (charge-offs) recoveries	(1,553)	(3,985)	(7,534)	(6,886)
Ending balance	36,463	30,056	36,463	30,056	31,937
Commercial Real Estate Portfolio Segment [Member]
Beginning balance	5,161	7,070	5,959	7,001	7,001
Pacific West Acquisition day 1 ACL	3,107		3,107
Provision for credit losses on loans	406	22	1,885	91
Charge-offs	0	(2,300)	(2,277)	(2,300)	(2,300)
Recoveries	0	0	0	0
Net (charge-offs) recoveries	0	(2,300)	(2,277)	(2,300)
Ending balance	8,674	4,792	8,674	4,792	5,959
Residential Portfolio Segment [Member]
Beginning balance	7,518	7,654	7,402	7,440	7,440
Pacific West Acquisition day 1 ACL	191		191
Provision for credit losses on loans	625	(165)	741	49
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Net (charge-offs) recoveries	0	0	0	0
Ending balance	8,334	7,489	8,334	7,489	7,402
Consumer Portfolio Segment [Member]
Beginning balance	16,699	15,075	15,934	14,185	14,185
Pacific West Acquisition day 1 ACL	285		285
Provision for credit losses on loans	1,355	2,452	5,633	5,880
Charge-offs	(2,134)	(2,044)	(6,877)	(5,321)
Recoveries	532	350	1,762	1,089
Net (charge-offs) recoveries	(1,602)	(1,694)	(5,115)	(4,232)
Ending balance	16,737	15,833	16,737	15,833	15,934
Commercial Business Portfolio Segment [Member]
Beginning balance	1,787	2,390	2,642	3,244	3,244
Pacific West Acquisition day 1 ACL	314		314
Provision for credit losses on loans	568	(457)	(96)	(948)
Charge-offs	(1)	0	(270)	(433)	(433)
Recoveries	50	9	128	79
Net (charge-offs) recoveries	49	9	(142)	(354)
Ending balance	$ 2,718	$ 1,942	$ 2,718	$ 1,942	$ 2,642

Note 8 - Deposits (Details Textual) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Deposit Liabilities, Checking [Member]
Interest-Bearing Domestic Deposit, Brokered	$ 0	$ 140,200
Deposit Liabilities, Money Market [Member]
Interest-Bearing Domestic Deposit, Brokered	1,000	20,300
Deposit Liabilities, Certificates of Deposits Less Than 100,000 [Member]
Interest-Bearing Domestic Deposit, Brokered	$ 75,100	$ 202,100

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Dividends paid, per share (in dollars per share)	$ 0.29	$ 0.5	$ 0.87	$ 1.06

Note 3 - Investments - Schedule of Debt Securities, Held-to-Maturity, Allowance for Credit Loss Roll Forward (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Beginning ACL balance	$ 277	$ 220	$ 277	$ 45
Provision for credit losses	100	0	100	175
Total ending ACL balance	$ 377	$ 220	$ 377	$ 220

Note 10 - Fair Value Measurements (Tables)

9 Months Ended

Sep. 30, 2026

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]

Financial Assets	At September 30, 2026
Securities available-for-sale:	Level 1		Level 2			Level 3		Total
U.S. agency securities	$	—	$	17,754		$	—	$	17,754
Corporate securities		—		17,540			—		17,540
Municipal bonds		—		70,769			—		70,769
Mortgage-backed securities		—		223,464			—		223,464
Asset-backed securities		—		12,658			—		12,658
Mortgage loans held for sale, at fair value		—		22,820			—		22,820
Loans receivable, at fair value		—		13,852			—		13,852
Derivatives:
Mandatory and best effort forward commitments with investors		—		—			528		528
Interest rate lock commitments with customers		—		—			50		50
Forward TBA mortgage-backed securities		—		422			—		422
Interest rate swaps - cash flow and fair value hedges		—		6,881			—		6,881
Interest rate swaps - dealer offsets to customer swap positions		—		61			—		61
Total assets measured at fair value	$	—	$	386,221		$	578	$	386,799
Financial Liabilities
Derivatives:
Interest rate swaps - customer swap positions	$	—	$	(60	)	$	—	$	(60	)
Total liabilities measured at fair value	$	—	$	(60	)	$	—	$	(60	)

Financial Assets	At December 31, 2025
Securities available-for-sale:	Level 1		Level 2			Level 3		Total
U.S. agency securities	$	—	$	18,127		$	—	$	18,127
Corporate securities		—		15,386			—		15,386
Municipal bonds		—		71,405			—		71,405
Mortgage-backed securities		—		173,567			—		173,567
Asset-backed securities		—		10,182			—		10,182
Mortgage loans held for sale, at fair value		—		43,705			—		43,705
Loans receivable, at fair value		—		13,183			—		13,183
Derivatives:
Mandatory and best effort forward commitments with investors		—		—			8		8
Interest rate lock commitments with customers		—		—			241		241
Interest rate swaps- cash flow and fair value hedges		—		1,894			—		1,894
Interest rate swaps - dealer offsets to customer swap positions		—		36			—		36
Total assets measured at fair value	$	—	$	347,485		$	249	$	347,734
Financial Liabilities
Derivatives:
Interest rate swaps - cash flow and fair value hedges	$	—	$	(656	)	$	—	$	(656	)
Interest rate swaps - customer swap positions		—		(36	)		—		(36	)
Forward TBA mortgage-backed securities		—		(146	)		—		(146	)
Total liabilities measured at fair value	$	—	$	(838	)	$	—	$	(838	)

Fair Value Measurements, Nonrecurring [Table Text Block]

	September 30, 2026
	Level 1		Level 2		Level 3		Total
Collateral dependent loans	$	—	$	—	$	12,783	$	12,783
MSRs		—		—		27,225		27,225

	December 31, 2025
	Level 1		Level 2		Level 3		Total
Collateral dependent loans	$	—	$	—	$	9,236	$	9,236
MSRs		—		—		21,800		21,800

Fair Value Measurements, Recurring and Nonrecurring [Table Text Block]

Level 3		Significant			Weighted Average Input
Fair Value	Valuation	Unobservable			September 30,			December 31,
Instruments	Techniques	Inputs	Range		2026			2025
RECURRING
Interest rate lock commitments with customers	Quoted market prices	Pull-through expectations		80% - 99%		93.1	%		93.7	%
Individual forward sale commitments with investors	Quoted market prices	Pull-through expectations		80% - 99%		93.1	%		93.7	%
NONRECURRING
Collateral dependent loans	Fair value of underlying collateral	Discount applied to the obtained appraisal		0% - 25%		10.0	%		—	%
MSRs	Industry sources	Prepayment speeds		0% - 50%		5.6	%		8.5	%

Fair Value, Assets (Liabilities) Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]

				Purchases									Net change in			Net change in
Three Months Ended	Beginning			and			Sales and			Ending			fair value for			fair value for
September 30, 2026	Balance			Issuances			Settlements			Balance			gains/(losses) ⁽¹⁾			gains/(losses)⁽²⁾
Interest rate lock commitments with customers	$	616		$	589		$	(1,155	)	$	50		$	(566	)	$	—
Individual forward sale commitments with investors		7			695			(174	)		528			521			—
September 30, 2025
Interest rate lock commitments with customers	$	409		$	864		$	(998	)	$	275		$	(134	)	$	—
Individual forward sale commitments with investors		(162	)		(92	)		226			(28	)		134			—

			Purchases									Net change in			Net change in
Nine Months Ended	Beginning		and			Sales and			Ending			fair value for			fair value for
September 30, 2026	Balance		Issuances			Settlements			Balance			gains/(losses)⁽¹⁾			gains/(losses)⁽²⁾
Interest rate lock commitments with customers	$	241	$	3,645		$	(3,836	)	$	50		$	(191	)	$	—
Individual forward sale commitments with investors		8		1,189			(669	)		528			520			—
September 30, 2025
Interest rate lock commitments with customers	$	103	$	3,104		$	(2,932	)	$	275		$	172		$	—
Individual forward sale commitments with investors		31		(345	)		286			(28	)		(59	)		—

Fair Value, by Balance Sheet Grouping [Table Text Block]

	September 30, 2026				December 31, 2025
Financial Assets	Carrying		Fair		Carrying		Fair
Level 1 inputs:	Amount		Value		Amount		Value
Cash and cash equivalents	$	43,947	$	43,947	$	28,219	$	28,219
Level 2 inputs:
Securities available-for-sale, at fair value		342,185		342,185		288,667		288,667
Securities held-to-maturity, gross		38,111		37,784		33,501		34,396
Loans held for sale, at fair value		22,820		22,820		43,705		43,705
Loans receivable, at fair value		13,852		13,852		13,183		13,183
Interest rate swaps - cash flow and fair value hedges		6,881		6,881		1,894		1,894
Interest rate swaps - dealer offsets to customer swap positions		61		61		36		36
Level 3 inputs:
Loans receivable, gross, at amortized cost		3,030,740		2,961,184		2,641,926		2,578,744
MSRs, held at lower of cost or fair value		8,887		27,225		8,608		21,800
Mandatory and best effort forward commitments with investors		528		528		8		8
Fair value interest rate locks with customers		50		50		241		241
Financial Liabilities
Level 2 inputs:
Time deposits		1,021,727		1,014,808		1,130,396		1,129,892
Borrowings		373,500		371,502		129,305		128,360
Subordinated notes, excluding unamortized debt issuance costs		46,000		45,292		50,000		48,856
Interest rate swaps - cash flow and fair value hedges		—		—		656		656
Forward TBA mortgage-backed securities		—		—		146		146
Interest rate swaps - customer swap positions		60		60		36		36

Note 15 - Goodwill and Other Intangible Assets

9 Months Ended

Sep. 30, 2026

Intangible Asset and Goodwill [Text Block]

NOTE 15 – GOODWILL AND OTHER INTANGIBLE ASSETS

Goodwill and certain other intangibles generally arise from business combinations accounted for under the acquisition method of accounting. Goodwill totaled $3.6 million at both September 30, 2026, and December 31, 2025, and represents the excess of the total consideration transferred over the net identifiable assets acquired in the branch purchase on February 24, 2023 (“Branch Acquisition”), and the purchase of four retail bank branches from Bank of America on January 22, 2016. Goodwill is not amortized but is evaluated for impairment on an annual basis at December 31 of each year or whenever events or changes in circumstances indicate the carrying value may not be recoverable. During the last annual evaluation, the Company elected to perform a qualitative assessment to determine whether it was more likely than not that the fair value of the reporting unit exceeded its carrying value, including goodwill. In performing this assessment, management considered qualitative factors including macroeconomic conditions, industry and market trends, financial performance, and changes in the Company's stock price and market capitalization. Based on this assessment, management concluded that it was more likely than not the fair value of the reporting unit exceeded its carrying value, and therefore no impairment of goodwill was indicated.

Core deposit intangible (“CDI”) is evaluated for impairment whenever events or changes in circumstances indicate that its carrying amount may not be recoverable, with any changes in estimated useful life accounted for prospectively over the revised remaining life. As of September 30, 2026, management believes that there have been no events or changes in the circumstances that would indicate a potential impairment of CDI.

The following table summarizes the changes in the Company’s other intangible assets comprised solely of CDI for the year ended December 31, 2025, and the nine months ended September 30, 2026.

	Other Intangible Assets
			Accumulated
	Gross CDI		Amortization			Net CDI
Balance, December 31, 2024		24,928		(11,218	)		13,710
Amortization				(3,192	)		(3,192	)
Balance, December 31, 2025		24,928		(14,410	)		10,518
Additions as a result of the Pacific West Acquisition		5,260		—			5,260
Amortization		—		(2,253	)		(2,253	)
Balance, September 30, 2026	$	30,188	$	(16,663	)	$	13,525

The CDI represents the fair value assigned to the intangible core deposit base acquired in business combinations. The CDI from the Pacific West Acquisition and the Branch Acquisition are being amortized on an accelerated basis over 10 years. The CDI from the Anchor Bank acquisition (completed in November 2018) is being amortized on a straight-line basis over 10 years. Amortization expense was $787,000 and $2.3 million for the three and nine months ended September 30, 2026, compared to $787,000 and $2.4 million for the same periods in 2025, respectively.

Amortization expense for the CDI is expected to be as follows at September 30, 2026:

Remainder of 2026	$	935
2027		3,460
2028		2,966
2029		2,035
2030		1,585
Thereafter		2,544
Total	$	13,525

Note 9 - Commitments and Contingencies (Tables)

9 Months Ended

Sep. 30, 2026

Schedule of Fair Value, off-Balance-Sheet Risks [Table Text Block]

COMMITMENTS TO EXTEND CREDIT	September 30,		December 31,
CRE LOANS	2026		2025
CRE	$	9,871	$	2,204
Commercial and speculative construction and development		207,875		198,176
Multi-family		6,258		6,676
Total CRE loans		224,004		207,056
RESIDENTIAL REAL ESTATE LOANS
One-to-four-family (including loans held for sale)		34,288		28,977
Home equity		104,326		100,071
Residential custom construction		48,024		37,213
Total residential real estate loans		186,638		166,261
CONSUMER LOANS		30,034		29,646
COMMERCIAL BUSINESS LOANS
C&I		219,731		160,277
Warehouse lending		64,697		42,145
Total commercial business loans		284,428		202,422
Total commitments to extend credit	$	725,104	$	605,385

Note 7 - Leases - Schedule of Supplemental Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Operating cash flows from operating leases	$ 413	$ 508	$ 1,155	$ 1,496
Weighted average remaining lease term- operating leases (in years) (Year)	5 years 4 months 24 days	4 years 8 months 12 days	5 years 4 months 24 days	4 years 8 months 12 days
Weighted average discount rate- operating leases	4.35%	3.83%	4.35%	3.83%

Note 6 - Derivatives

9 Months Ended

Sep. 30, 2026

Derivative Instruments and Hedging Activities Disclosure [Text Block]

NOTE 6 – DERIVATIVES

The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity, and credit risk primarily by managing the amount, sources, and duration of its assets and liabilities and through the use of derivative financial instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which is affected by changes in interest rates.

The Company’s predominant derivative and hedging activities involve interest rate swaps related to certain borrowings, brokered deposits, investment securities, forward sales contracts, and commitments to extend credit associated with mortgage banking activities. Generally, these instruments help the Company manage exposure to market risk. Market risk represents the possibility that economic value or net interest income will be adversely affected by fluctuations in external factors such as market-driven interest rates and prices or other economic factors.

Mortgage Banking Derivatives Not Designated as Hedges

The Company regularly enters into commitments to originate and sell loans held for sale. The Company has exposure to movements in interest rates associated with written interest rate lock commitments with potential borrowers to originate one-to-four-family loans that are intended to be sold and closed one-to-four-family mortgage loans held for sale for which the fair value option has been elected and that are awaiting sale and delivery into the secondary market. The Company economically hedges the risk of changing interest rates associated with these mortgage loan commitments by entering into forward sales contracts to sell one-to-four-family mortgage loans or into contracts to sell forward To-Be-Announced (“TBA”) mortgage-backed securities. These commitments and contracts are considered derivatives but have not been designated as hedging instruments for reporting purposes under U.S. GAAP. Rather, they are accounted for as free-standing derivatives, or economic hedges, with changes in the fair value of the derivatives reported in noninterest income or noninterest expense. The Bank recognizes all derivative instruments as either “Other assets” or “Other liabilities” on the Consolidated Balance Sheets and measures those instruments at fair value.

Customer Swaps Not Designated as Hedges

The Company also enters into derivative contracts, which consist of interest rate swaps, to facilitate the needs of clients desiring to manage interest rate risk. These swaps are not designated as accounting hedges under ASC 815, Derivatives and Hedging. To economically hedge the interest rate risk associated with offering this product, the Company simultaneously enters into derivative contracts with third parties to offset the customer contracts such that the Company minimizes its net risk exposure resulting from such transactions. The derivative contracts are structured such that the notional amounts reduce over time to generally match the expected amortization of the underlying loans. These derivatives are not speculative and arise from a service provided to clients.

Cash Flow Hedges

The Company has entered into interest rate swaps to reduce its exposure to variability in interest-related cash outflows attributable to changes in forecasted Secured Overnight Financing Rate (“SOFR”) based brokered deposits. These derivative instruments are designated as cash flow hedges. The hedged item is the SOFR portion of a series of future adjustable-rate borrowings and deposits over the term of the interest rate swap. The Company tests for hedging effectiveness on a quarterly basis. The accumulated other comprehensive income or loss is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings. The Company has not recorded any hedge ineffectiveness since the inception of the hedges.

The Company expects that approximately $1.7 million will be reclassified from accumulated other comprehensive loss as a decrease to interest expense over the next 12 months related to these cash flow hedges.

Fair Value Hedges

The Company is exposed to changes in the fair value of certain pools of prepayable fixed-rate assets due to changes in benchmark interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in the designated benchmark interest rate, SOFR. Interest rate swaps designated as fair value hedges involve the receipt of variable-rate amounts from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements without the exchange of the underlying notional amount. For derivatives that are designated as and that qualify as fair value hedges, the gain or loss on the derivative, as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in interest income.

The following amounts were recorded on the balance sheet related to cumulative-basis adjustment for fair value hedges for the dates indicated:

Line item in the Consolidated Balance Sheets in which the hedged item is included	Carrying Amount of the Hedged Assets		Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets
September 30, 2026
Investment securities ⁽¹⁾	$	55,560	$	4,440
Total	$	55,560	$	4,440

December 31, 2025
Investment securities ⁽¹⁾	$	57,869	$	2,131
Total	$	57,869	$	2,131

(1)

These amounts include the amortized cost basis of closed portfolios used in designated hedging relationships in which the hedged item is the last layer expected to be remaining at the end of the hedging relationship. At September 30, 2026, the amortized cost basis of the closed portfolios used in these hedging relationships was $174.6 million; the cumulative basis adjustments associated with these hedging relationships was $4.4 million; and the amount of the designated hedged items was $60 million. At December 31, 2025, the amortized cost basis of the closed portfolios used in these hedging relationships was $179.4 million; the cumulative basis adjustment associated with these hedging relationships was a loss of $2.1 million; and the amount of the designated hedged items was $60.0 million.

The following tables summarize the Company’s derivative instruments at the dates indicated. The Company recognizes derivative assets and liabilities in “Other assets” and “Other liabilities,” respectively, on the Consolidated Balance Sheets, as follows:

	September 30, 2026
			Fair Value
Cash flow and fair value hedges:	Notional		Asset		Liability
Interest rate swaps	$	285,000	$	6,881	$	—
Non-hedging derivatives:
Fallout adjusted interest rate lock commitments with customers		14,600		50		—
Mandatory and best effort forward commitments with investors		19,243		528		—
Forward TBA mortgage-backed securities		18,000		422		—
Interest rate swaps – customer swap positions		627		—		60
Interest rate swaps – dealer offsets to customer swap positions		627		61		—

	December 31, 2025
			Fair Value
Cash flow and fair value hedges:	Notional		Asset		Liability
Interest rate swaps	$	300,000	$	1,894	$	656
Non-hedging derivatives:
Fallout adjusted interest rate lock commitments with customers		25,468		241		—
Mandatory and best effort forward commitments with investors		8,985		8		—
Forward TBA mortgage-backed securities		56,000		—		146
Interest rate swaps – customer swap positions		627		—		36
Interest rate swaps – dealer offsets to customer swap positions		627		36		—

The following table summarizes the effect of fair value and cash flow hedge accounting on the Consolidated Statements of Income for the three and nine months ended September 30, 2026 and 2025:

	Three Months Ended September 30,
	2026					2025
	Interest Expense Deposits and Borrowings		Interest Income Securities			Interest Expense Deposits and Borrowings		Interest Income Securities
Total amounts presented on the Consolidated Statements of Income	$	16,811	$	4,075		$	16,797	$	4,309
Net gains (losses) on fair value hedging relationships:
Interest rate swaps – securities
Recognized on hedged items	$	—	$	(1,490	)	$	—	$	241
Recognized on derivatives designated as hedging instruments		—		1,490			—		(241	)
Net interest income recognized on cash flows of derivatives designated as hedging instruments		—		172			—		280
Net income recognized on fair value hedges	$	—	$	172		$	—	$	280
Net gain on cash flow hedging relationships:
Interest rate swaps – brokered deposits and borrowings
Realized gains, pre-tax, reclassified from accumulated other comprehensive loss into net income	$	146	$	—		$	527	$	—
Net income recognized on cash flow hedges	$	146	$	—		$	527	$	—

	Nine Months Ended September 30,
	2026					2025
	Interest					Interest
	Expense		Interest			Expense		Interest
	Deposits and		Income			Deposits and		Income
	Borrowings		Securities			Borrowings		Securities
Total amounts presented on the Consolidated Statements of Income	$	49,013	$	10,856		$	48,223	$	11,459
Net gains (losses) on fair value hedging relationships:
Interest rate swaps – securities
Recognized on hedged items	$	—	$	(2,309	)	$	—	$	2,273
Recognized on derivatives designated as hedging instruments		—		2,309			—		(2,273	)
Net interest income recognized on cash flows of derivatives designated as hedging instruments		—		499			—		822
Net income recognized on fair value hedges	$	—	$	499		$	—	$	822
Net gain on cash flow hedging relationships:
Interest rate swaps – brokered deposits and borrowings
Realized gains, pre-tax, reclassified from accumulated other comprehensive loss into net income	$	273	$	—		$	2,732	$	—
Net income recognized on cash flow hedges	$	273	$	—		$	2,732	$	—

Changes in the fair value of non-hedging derivatives were recorded in “Gain on sale of loans” on the Consolidated Statements of Income as net losses of $515,000 and $266,000 for the three months ended September 30, 2026 and 2025, and a net loss of $159,000 and net gain of $3,000 for the nine months ended September 30, 2026 and 2025, respectively.

The following tables present a summary of amounts outstanding in derivative financial instruments, including those entered into in connection with the same counterparty under master netting agreements at the dates indicated. While these agreements are typically over-collateralized, GAAP requires disclosures in these tables to limit the amount of such collateral recognized for disclosure purposes to the amount of the related asset or liability for each counterparty.

			Gross Amounts		Net Amounts of Assets		Gross Amounts Not Offset
	Gross Amounts		Offset in the		Presented in the		in the Consolidated Balance Sheets
	of Recognized		Consolidated		Consolidated		Financial		Cash Collateral
Offsetting of derivative assets	Assets		Balance Sheets		Balance Sheets		Instruments		Received		Net Amount
At September 30, 2026
Interest rate swaps	$	6,942	$	—	$	6,942	$	—	$	—	$	6,942

At December 31, 2025
Interest rate swaps	$	2,269	$	339	$	1,930	$	—	$	—	$	1,930

					Net Amounts of
			Gross Amounts		Liabilities		Gross Amounts Not Offset
	Gross Amounts		Offset in the		Presented in the		in the Consolidated Balance Sheets
	of Recognized		Consolidated		Consolidated		Financial		Cash Collateral
Offsetting of derivative liabilities	Liabilities		Balance Sheets		Balance Sheets		Instruments		Posted		Net Amount
At September 30, 2026
Interest rate swaps	$	—	$	—	$	—	$	—	$	—	$	—

At December 31, 2025
Interest rate swaps	$	679	$	23	$	656	$	—	$	680	$	—

Credit Risk–Related Contingent Features

The Company has derivative contracts with its derivative counterparties that contain a provision to post collateral to the counterparties when these contracts are in a net liability position. At September 30, 2026, the Company had no collateral posted due to this provision. Receivables related to cash collateral that has been paid to counterparties are included in “Cash and cash equivalents” on the Consolidated Balance Sheets. In certain cases, the Company will have posted excess collateral compared to total exposure due to initial margin requirements or day-to-day rate volatility.

The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.

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Trading Arrangements, by Individual [Table]

Insider Trading Arrangements

9 Months Ended

Sep. 30, 2026

Material Terms of Trading Arrangement [Text Block]

Item 5. Other Information

(a)

None.

(b)

None.

(c)

Trading Plans. During the three months ended September 30, 2026, no director or officer (as defined in Rule 16a-1(f) under the Exchange Act) of the Company adopted or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K.

Rule 10b5-1 Arrangement Terminated [Flag]

false

Non-Rule 10b5-1 Arrangement Terminated [Flag]

false

Non-Rule 10b5-1 Arrangement Adopted [Flag]

false

Rule 10b5-1 Arrangement Adopted [Flag]

false

Note 6 - Derivatives (Details Textual) - USD ($)	3 Months Ended		9 Months Ended
Note 6 - Derivatives (Details Textual) - USD ($)	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Unrealized Gain (Loss) on Derivatives			$ 6,065,000	$ (5,893,000)
Designated as Hedging Instrument [Member]
Investment Owned, Cost	$ 174,600,000		174,600,000		$ 179,400,000
Hedged Asset, Fair Value Hedge, Cumulative Increase (Decrease)	4,400,000		4,400,000		2,100,000
Derivative, Amount of Hedged Item	60,000,000		60,000,000		$ 60,000,000
Not Designated as Hedging Instrument [Member]
Unrealized Gain (Loss) on Derivatives	(515,000)	$ (266,000)	(159,000)	$ 3,000
Interest Rate Swap [Member]
Interest Rate Cash Flow Hedge Gain (Loss) to be Reclassified During Next 12 Months, Net	$ 1,700,000		$ 1,700,000

Cost of the investment.

The net change in the difference between the fair value and the carrying value, or in the comparative fair values, of derivative instruments, including options, swaps, futures, and forward contracts, held at each balance sheet date, that was included in earnings for the period.

Significant Accounting Policies (Policies)	9 Months Ended
Significant Accounting Policies (Policies)	Sep. 30, 2026
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Financial Statement Presentation – The accompanying unaudited interim consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“U.S. GAAP”) for interim financial information and in accordance with the instructions to Form 10‑Q and Article 10 of Regulation S-X as promulgated by the Securities and Exchange Commission (“SEC”). These unaudited interim consolidated financial statements should be read in conjunction with the Company’s Annual Report on Form 10‑K which includes all the audited financial statements and footnotes required by U.S. GAAP for complete financial statements for the year ended December 31, 2025. In the opinion of management, all normal adjustments and recurring accruals considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. Certain prior-period amounts have been reclassified to conform to the current period presentation. These matters did not have an impact on net income or earnings per share for the periods presented. The results for the three and nine months ended September 30, 2026, are not necessarily indicative of the results that may be expected for the year ending December 31, 2026, or any other future period. The preparation of financial statements, in conformity with U.S. GAAP, requires management to make estimates and assumptions that affect amounts reported in the financial statements. Actual results could differ from these estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses (“ACL”). Amounts presented in the consolidated financial statements and footnote tables are rounded to the nearest thousand dollars, except for per share amounts. Amounts above $1.0 million are rounded to one decimal place, and amounts above $1.0 billion are rounded to two decimal places.
Consolidation, Policy [Policy Text Block]	Principles of Consolidation – The consolidated financial statements include the accounts of FS Bancorp and its wholly owned subsidiary, 1st Security Bank. All material intercompany accounts have been eliminated in consolidation.
Segment Reporting, Policy [Policy Text Block]	Segment Reporting – The Company operates in two business segments through the Bank: commercial and consumer banking and home lending. The Company’s business segments are determined based on the products and services provided, as well as the nature of the related business activities, and they reflect the way financial information is regularly reviewed for the purpose of allocating resources and evaluating performance of the Company’s businesses. The results for these business segments are based on management’s accounting process, which assigns income statement items and assets to each responsible operating segment. This process is dynamic and is based on management’s view of the Company’s operations. See “Note 14 – Business Segments.”
Subsequent Events, Policy [Policy Text Block]	Subsequent Events – The Company has evaluated events and transactions after September 30, 2026, for potential recognition or disclosure.
New Accounting Pronouncements, Policy [Policy Text Block]	RECENT ACCOUNTING PRONOUNCEMENTS In October 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative. The amendments incorporate into the Accounting Standards Codification certain disclosure and presentation requirements currently included in SEC regulations. Each amendment will become effective prospectively upon the SEC’s removal of the related disclosure requirement from its rules. The Company is currently evaluating the impact of ASU 2023-06 and does not expect its adoption to have a material effect on its consolidated financial statements. In January 2025, the FASB issued guidance within ASU 2025-01, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses. The amendment amends the effective date of ASU 2024-03 to clarify that all public business entities are required to adopt the guidance in annual reporting periods beginning after December 15, 2026, and interim periods within annual reporting periods beginning after December 15, 2027. Early adoption of ASU 2024-03 is permitted. The Company is currently evaluating the impact of ASU 2024-03, as amended by ASU 2025-01, but does not expect it to have a material effect on its consolidated financial statements. In December 2025, the FASB issued guidance within ASU 2025-11, Interim Reporting. The ASU is intended to improve the navigability of the guidance in ASC 270 and clarify when it applies. Under the amendments, an entity is subject to ASC 270 if it provides “interim financial statements and notes in accordance with GAAP.” The ASU is effective for interim periods in fiscal years beginning after December 15, 2027, for public business entities, with a one-year deferral for all other entities. Early adoption is permitted for all entities. The Company is currently evaluating the impact of this ASU but does not expect it to have a material effect on its consolidated financial statements. Application of New Accounting Guidance Adopted in 2026 In November 2025, the FASB issued ASU 2025‑08, Financial Instruments—Credit Losses (Topic 326): Purchased Loans, which makes significant changes to the accounting for certain acquired seasoned loans subject to the CECL model. It does not change the existing models for originated assets, purchased credit deteriorated (“PCD”) assets or other acquired assets. PCD assets are acquired individual financial assets (or acquired groups of financial assets with similar risk characteristics) that as of the date of acquisition have experienced a more-than-insignificant deterioration in credit quality since origination. The ASU creates a new model for certain purchased loans expanding the gross-up approach to a newly created category of purchased seasoned loans (“PSL”). Purchased seasoned loans are accounted for using the gross-up method, with initial ACL recognized through a gross up to loans and the noncredit discount accreted into interest income over the life of the loan. Under this method, the initial ACL is recognized as an increase to the amortized cost basis of the acquired loans, rather than as an immediate credit loss expense. The new standard is effective for annual periods beginning after December 15, 2026 and interim reporting periods within those annual periods. Early adoption is permitted. The Company elected early adoption of this ASU as of January 1, 2026. The adoption of ASU 2025-08 resulted in an increase of $1.8 million in loans receivable classified as PSL and a corresponding increase of $1.8 million in the allowance for credit losses related to the Pacific West Bank Acquisition.

Disclosure of accounting policy for segment reporting.

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Note 3 - Investments

9 Months Ended

Sep. 30, 2026

Investment [Text Block]

NOTE 3 – INVESTMENTS

The following tables present the amortized costs, unrealized gains, unrealized losses, estimated fair values of securities available-for-sale and held-to-maturity, and the ACL on securities available-for-sale and held-to-maturity at September 30, 2026 and December 31, 2025:

	September 30, 2026
								Estimated
	Amortized		Unrealized		Unrealized			Fair
SECURITIES AVAILABLE-FOR-SALE	Cost		Gains		Losses			Values		ACL
U.S. agency securities	$	20,276	$	60	$	(2,582	)	$	17,754	$	—
Corporate securities		18,129		5		(594	)		17,540		—
Municipal bonds		85,159		—		(14,390	)		70,769		—
Mortgage-backed securities		236,724		272		(13,532	)		223,464		—
Asset-backed securities		13,417		27		(786	)		12,658		—
Total securities available-for-sale		373,705		364		(31,884	)		342,185		—

SECURITIES HELD-TO-MATURITY
Corporate securities		35,966		452		(848	)		35,570		377
Municipal bonds		2,145		69		—			2,214		—
Total securities held-to-maturity		38,111		521		(848	)		37,784		377

Total securities	$	411,816	$	885	$	(32,732	)	$	379,969	$	377

	December 31, 2025
								Estimated
	Amortized		Unrealized		Unrealized			Fair
SECURITIES AVAILABLE-FOR-SALE	Cost		Gains		Losses			Values		ACL
U.S. agency securities	$	20,264	$	66	$	(2,203	)	$	18,127	$	—
Corporate securities		16,000		5		(619	)		15,386		—
Municipal bonds		81,156		4		(9,755	)		71,405		—
Mortgage-backed securities		181,849		757		(9,039	)		173,567		—
Asset-backed securities		10,828		1		(647	)		10,182		—
Total securities available-for-sale		310,097		833		(22,263	)		288,667		—

SECURITIES HELD-TO-MATURITY
Corporate securities		31,393		831		(149	)		32,075		277
Municipal bonds		2,108		213		—			2,321		—
Total securities held-to-maturity		33,501		1,044		(149	)		34,396		277

Total securities	$	343,598	$	1,877	$	(22,412	)	$	323,063	$	277

The following table presents the activity in the ACL on securities held-to-maturity by major security type for the three and nine months ended September 30, 2026 and 2025:

SECURITIES HELD-TO-MATURITY	For the Three Months Ended September 30,
Corporate Securities	2026		2025
Beginning ACL balance	$	277	$	220
Provision for credit losses		100		—
Total ending ACL balance	$	377	$	220

SECURITIES HELD-TO-MATURITY	For the Nine Months Ended September 30,
Corporate Securities	2026		2025
Beginning ACL balance	$	277	$	45
Provision for credit losses		100		175
Total ending ACL balance	$	377	$	220

Management measures expected credit losses on held-to-maturity debt securities on an individual basis. The estimate of expected credit losses considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. Credit loss reserves increased during the period due to new securities purchases replacing called investments, which resulted in longer average lives and a corresponding increase in the calculated reserve. Accrued interest receivable totaled $748,000 and $271,000 on held-to-maturity debt securities and $1.8 million and $1.2 million on available-for-sale debt securities as of September 30, 2026 and December 31, 2025, respectively. Accrued interest receivable on securities is reported in “Accrued interest receivable” on the Consolidated Balance Sheets and is excluded from the calculation of the ACL.

The Company monitors the credit quality of debt securities held-to-maturity quarterly using credit rating, material event notices, and changes in market value. The following table summarizes the amortized cost of debt securities held-to-maturity at the dates indicated, aggregated by credit quality indicator:

	September 30,		December 31,
Corporate securities	2026		2025
BBB	$	34,966	$	29,521
BB		1,000		1,872
Municipal bonds
A		2,145		2,108
Total	$	38,111	$	33,501

At September 30, 2026 and December 31, 2025, there were no debt securities held-to-maturity that were classified as either nonaccrual or 90 days or more past due and still accruing interest.

The following table presents, as of September 30, 2026, investment securities which were pledged to secure borrowings, public deposits, or other obligations as permitted or required by law:

	September 30, 2026
Purpose or beneficiary	Carrying Value		Amortized Cost		Fair Value
State and local government public deposits	$	20,917	$	25,509	$	20,917

Investment securities that were in an unrealized loss position at the dates indicated are presented in the following tables, based on the length of time individual securities have been in an unrealized loss position.

	September 30, 2026
	Less than 12 Months					12 Months or Longer					Total
SECURITIES AVAILABLE-FOR-SALE	Fair Value		Unrealized Losses			Fair Value		Unrealized Losses			Fair Value		Unrealized Losses
U.S. agency securities	$	—	$	—		$	15,694	$	(2,582	)	$	15,694	$	(2,582	)
Corporate securities		5,329		(55	)		8,461		(539	)		13,790		(594	)
Municipal bonds		9,818		(286	)		60,950		(14,104	)		70,768		(14,390	)
Mortgage-backed securities		104,991		(2,571	)		72,148		(10,961	)		177,139		(13,532	)
Asset-backed securities		2,212		(3	)		5,282		(783	)		7,494		(786	)
Total securities available-for-sale		122,350		(2,915	)		162,535		(28,969	)		284,885		(31,884	)

SECURITIES HELD-TO-MATURITY
Corporate securities		18,120		(724	)		1,876		(124	)		19,996		(848	)
Total securities held-to-maturity		18,120		(724	)		1,876		(124	)		19,996		(848	)

Total securities	$	140,470	$	(3,639	)	$	164,411	$	(29,093	)	$	304,881	$	(32,732	)

	December 31, 2025
	Less than 12 Months					12 Months or Longer					Total
SECURITIES AVAILABLE-FOR-SALE	Fair Value		Unrealized Losses			Fair Value		Unrealized Losses			Fair Value		Unrealized Losses
U.S. agency securities	$	—	$	—		$	16,061	$	(2,203	)	$	16,061	$	(2,203	)
Corporate securities		3,961		(39	)		8,420		(580	)		12,381		(619	)
Municipal bonds		—		—			70,228		(9,755	)		70,228		(9,755	)
Mortgage-backed securities		35,194		(380	)		64,321		(8,659	)		99,515		(9,039	)
Asset-backed securities		3,047		(25	)		6,644		(622	)		9,691		(647	)
Total securities available-for-sale		42,202		(444	)		165,674		(21,819	)		207,876		(22,263	)

SECURITIES HELD-TO-MATURITY
Corporate securities		6,788		(84	)		935		(65	)		7,723		(149	)
Total securities held-to-maturity		6,788		(84	)		935		(65	)		7,723		(149	)

Total securities	$	48,990	$	(528	)	$	166,609	$	(21,884	)	$	215,599	$	(22,412	)

The unrealized losses associated with our investment securities are believed to be caused by changing market conditions and considered to be temporary, and the Company does not intend and is not likely to be required to sell these securities prior to maturity. Management monitors the published credit ratings of the issuers of the debt securities for material ratings or outlook changes. Substantially all the Company’s municipal bond portfolio is comprised of obligations of states and political subdivisions located within the Company’s geographic footprint that are monitored through quarterly or annual financial review utilizing published credit ratings. All the municipal bond securities are investment grade.

All of the available-for-sale mortgage-backed securities and asset-backed securities in an unrealized loss position are issued or guaranteed by government-sponsored enterprises, and the available-for-sale corporate securities are all investment grade and monitored for rating or outlook changes. Based on the Company’s evaluation of these securities, no credit impairment was recorded for the three and nine months ended September 30, 2026 and 2025.

The contractual maturities of securities available-for-sale and held-to-maturity at the dates indicated are listed below. Expected maturities of mortgage-backed securities may differ from contractual maturities because borrowers may have the right to call or prepay the obligations; therefore, these securities are classified separately with no specific maturity date.

	September 30, 2026				December 31, 2025
SECURITIES AVAILABLE-FOR-SALE	Amortized		Fair		Amortized		Fair
U.S. agency securities	Cost		Value		Cost		Value
Due after one year through five years	$	6,986	$	6,572	$	4,976	$	4,785
Due after five years through ten years		13,290		11,182		15,288		13,342
Subtotal		20,276		17,754		20,264		18,127
Corporate securities
Due within one year		10,000		9,954		6,000		6,001
Due after one year through five years		5,727		5,665		8,000		7,858
Due after five years through ten years		2,402		1,921		2,000		1,527
Subtotal		18,129		17,540		16,000		15,386
Municipal bonds
Due after one year through five years		3,579		3,434		2,135		2,137
Due after five years through ten years		11,825		10,633		7,080		6,441
Due after ten years		69,755		56,702		71,941		62,827
Subtotal		85,159		70,769		81,156		71,405
Mortgage-backed securities
Federal National Mortgage Association (“FNMA”)		88,249		79,491		82,555		75,492
Federal Home Loan Mortgage Corporation (“FHLMC”)		63,639		61,604		47,170		46,556
Government National Mortgage Association (“GNMA”)		84,836		82,369		52,124		51,519
Subtotal		236,724		223,464		181,849		173,567
Asset-backed securities
Due within one year		212		210		130		129
Due after one year through five years		136		133		743		730
Due after five years through ten years		2,298		2,086		2,598		2,458
Due after ten years		10,771		10,229		7,357		6,865
Subtotal		13,417		12,658		10,828		10,182
Total securities available-for-sale		373,705		342,185		310,097		288,667

SECURITIES HELD-TO-MATURITY
Corporate securities
Due in one year or less		—		—		—		—
Due after one year through five years		1,000		968		3,000		2,986
Due after five years through ten years		34,966		34,602		26,143		26,839
Due after ten years		—		—		2,250		2,250
Subtotal		35,966		35,570		31,393		32,075
Municipal bonds
Due after five years through ten years		—		—		—		—
Due after ten years		2,145		2,214		2,108		2,321
Subtotal		2,145		2,214		2,108		2,321
Total securities held-to-maturity		38,111		37,784		33,501		34,396
Total securities	$	411,816	$	379,969	$	343,598	$	323,063

The proceeds and resulting gains and losses from sales of securities available-for-sale for the three and nine months ended September 30, 2026:

	For the Three Months Ended September 30, 2026
			Gross		Gross
	Proceeds		Gains		(Losses)
Securities available-for-sale	$	1,652	$	11	$	—

	For the Nine Months Ended September 30, 2026
			Gross		Gross
	Proceeds		Gains		(Losses)
Securities available-for-sale	$	1,652	$	11	$	—

There were no sales of securities available-for-sale for the three and nine months ended September 30, 2025.

Note 6 - Derivatives - Schedule of Derivative Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Interest Rate Swap [Member]
Derivative Asset	$ 6,942	$ 1,930
Derivative Liability	0	656
Designated as Hedging Instrument [Member] \| Interest Rate Swap [Member] \| Cash Flow and Fair Value Hedging [Member]
Notional	285,000	300,000
Derivative Asset	6,881	1,894
Derivative Liability	0	656
Not Designated as Hedging Instrument [Member] \| Interest Rate Lock Commitments [Member]
Notional	14,600	25,468
Derivative Asset	50	241
Derivative Liability	0	0
Not Designated as Hedging Instrument [Member] \| Mandatory and Best Effort Forward Commitments [Member]
Notional	19,243	8,985
Derivative Asset	528	8
Derivative Liability	0	0
Not Designated as Hedging Instrument [Member] \| Forward TBA Mortgage-Backed Securities [Member]
Notional	18,000	56,000
Derivative Asset	422	0
Derivative Liability	0	146
Not Designated as Hedging Instrument [Member] \| Customer Swap [Member]
Notional	627	627
Derivative Asset	0	0
Derivative Liability	60	36
Not Designated as Hedging Instrument [Member] \| Dealer Offsets to Customer Swap [Member]
Notional	627	627
Derivative Asset	61	36
Derivative Liability	$ 0	$ 0

Note 4 - Loans Receivable and Allowance for Credit Losses - Loans - Schedule of Portfolio Loan Composition (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Jun. 30, 2026	Dec. 31, 2025	Sep. 30, 2025	Jun. 30, 2025	Dec. 31, 2024
Financing Receivable, Gross	$ 3,044,592		$ 2,655,109
ACL on loans	(36,463)	$ (31,165)	(31,937)	$ (30,056)	$ (32,189)	$ (31,870)
Total loans receivable, net	3,008,129		2,623,172
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Gross	1,214,109		969,471
ACL on loans	(8,674)	(5,161)	(5,959)	(4,792)	(7,070)	(7,001)
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied [Member]
Financing Receivable, Gross	224,764		176,078
Commercial Real Estate Portfolio Segment [Member] \| Non-owner Occupied [Member]
Financing Receivable, Gross	298,385		177,113
Commercial Real Estate Portfolio Segment [Member] \| Commercial and Speculative Construction and Development [Member]
Financing Receivable, Gross	393,005		354,130
Commercial Real Estate Portfolio Segment [Member] \| Multifamily [Member]
Financing Receivable, Gross	297,955		262,150
Residential Portfolio Segment [Member]
Financing Receivable, Gross	908,234		759,361
ACL on loans	(8,334)	(7,518)	(7,402)	(7,489)	(7,654)	(7,440)
Residential Portfolio Segment [Member] \| One-to-four Family Loan [Member]
Financing Receivable, Gross	758,537		628,761
Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Financing Receivable, Gross	93,020		88,271
Residential Portfolio Segment [Member] \| Custom Construction [Member]
Financing Receivable, Gross	56,677		42,329
Consumer Portfolio Segment [Member]
Financing Receivable, Gross	584,057		596,986
ACL on loans	(16,737)	(16,699)	(15,934)	(15,833)	(15,075)	(14,185)
Consumer Portfolio Segment [Member] \| Indirect Home Improvement Loan [Member]
Financing Receivable, Gross	493,505		525,842
Consumer Portfolio Segment [Member] \| Marine Loans [Member]
Financing Receivable, Gross	68,838		68,115
Consumer Portfolio Segment [Member] \| Other Consumer Loan [Member]
Financing Receivable, Gross	21,714		3,029
Commercial Business Portfolio Segment [Member]
Financing Receivable, Gross	338,192		329,291
ACL on loans	(2,718)	$ (1,787)	(2,642)	$ (1,942)	$ (2,390)	$ (3,244)
Commercial Business Portfolio Segment [Member] \| Commercial And Industrial [Member]
Financing Receivable, Gross	322,572		301,111
Commercial Business Portfolio Segment [Member] \| Warehouse Lending Loan [Member]
Financing Receivable, Gross	$ 15,620		$ 28,180

Note 14 - Business Segments

9 Months Ended

Sep. 30, 2026

Segment Reporting [Text Block]

NOTE 14 – BUSINESS SEGMENTS

The Company’s reportable segments are determined by the Chief Financial Officer (“CFO”), who is the designated chief operating decision maker, or CODM, based upon information provided about the Company's products and services offered, and are primarily distinguished between commercial and consumer banking and home lending. They are also distinguished by the level of information provided to the CFO, who uses such information to review the performance of various components of the business for each branch and home lending office, which are aggregated if operating performance, products/services, and customers are similar. The CFO evaluates the financial performance of the Company's business components by evaluating revenue streams, significant segment expenses, and budget to actual results in assessing the performance of the Company's segments and in the determination of allocating resources. The CFO uses segment revenue streams to evaluate product pricing and significant segment expenses to assess performance of each segment to evaluate compensation of certain employees. Segment pretax profit or loss is used to assess the performance of the banking segment by monitoring the margin between interest revenue and interest expense. Segment pretax profit or loss is used to assess the performance of the home lending segment by monitoring the premium received on loans sales. Loans, investments, and deposits provide the primary sources of segment revenue in the commercial and consumer banking operations, and servicing fees and loan sales provide the primary sources of segment revenue in home lending. Interest expense, provisions for credit losses, and payroll provide the significant segment expenses in commercial and consumer banking, and cost of loan sales and payroll provide the significant segment expenses in the home lending segment. All operations are domestic and the Company has no major customers providing greater than 10% of total segment revenue. The Company does not have any material intra-entity sales or transfers, aside from certain allocations of interest expense and loan servicing costs from the commercial and consumer banking segment to the home lending segment.

The Company uses various management accounting methodologies to assign certain income statement items to the responsible operating segment, including:

●	a funds transfer pricing (“FTP”) system, which allocates interest income credits and funding charges between the segments, assigning to each segment a funding credit for its liabilities, such as deposits, and a funding charge for its assets;

●	a cost per loan serviced allocation based on the number of loans being serviced on the balance sheet and the number of loans serviced for third parties;

●	an allocation based upon the approximate square footage utilized by the home lending segment in Company owned locations;

●	an allocation of charges for services rendered to the segments by centralized functions, such as corporate overhead, which are generally based on the number of full-time employees (“FTEs”) in each segment; and

●	an allocation of the Company’s consolidated income taxes which is based on the effective tax rate applied to the segment’s pretax income or loss.

Segment assets are primarily allocated based on loan origination channel. The home lending segment is limited to residential mortgage and home equity loans originated through the home lending platform. The home lending segment additionally includes related accrued interest receivable and the Company's MSR assets. The commercial and consumer banking segment includes the remainder of the loan portfolio, the assets of the retail branch network and administrative buildings, as well as the investment portfolio and other assets of the Bank. A description of the Company’s business segments and the products and services they provide is as follows:

Commercial and Consumer Banking Segment

The commercial and consumer banking segment provides diversified financial products and services to our commercial and consumer customers through Bank branches, online banking platforms, mobile banking apps, and telephone banking. These products and services include deposit products; residential, consumer, business and commercial real estate lending portfolios; and cash management services. The Company originates consumer loans, commercial and multi-family real estate loans, construction loans for residential and multi-family construction, and commercial business loans. At September 30, 2026, the Company’s retail deposit branch network consisted of 32 branches in the Pacific Northwest. This segment is also responsible for the management of the investment portfolio and other assets of the Bank.

Home Lending Segment

The home lending segment originates one-to-four-family residential mortgage loans primarily for sale in the secondary market, as well as loans held for investment. A majority of these mortgage loans are sold to or securitized by FNMA, FHLMC, GNMA, or the FHLB of Des Moines, while the Company generally retains the right to service these loans. Loans originated under the guidelines of the Federal Housing Administration (“FHA”), US Department of Veterans Affairs (“VA”), and United States Department of Agriculture (“USDA”) are generally sold servicing released to a correspondent bank or mortgage company. The Company has the option to sell loans on a servicing-released or servicing-retained basis to securitizers and correspondent lenders. A small percentage of its loans are brokered to other lenders. On occasion, the Company may sell a portion of its MSRs portfolio and may sell small pools of loans initially originated to be held in the loan portfolio. The Company manages the loan funding and the interest rate risk associated with secondary market loan sales and the retained one-to-four-family MSRs within this business segment. One-to-four-family loans originated for investment and held in this segment are allocated to the home lending segment with a corresponding provision expense and FTP charge for cost of funds. Noninterest expense includes allocated overhead expense from general corporate activities. Allocation is determined based on a combination of segment assets and FTEs.

Segment Financial Results

Accounting policies for segments are consistent with those described in “Note 1 – Basis of Presentation and Summary of Significant Accounting Policies.” Segment performance is evaluated using pretax profit or loss. Indirect expenses are allocated based on segment assets and FTEs. Transactions among segments are made at fair value. Information reported internally for performance assessment by the CFO follows, inclusive of reconciliations of significant segment totals to the financial statements at or for the three and nine months ended September 30, 2026 and 2025:

	At or For the Three Months Ended September 30, 2026
Income:	Commercial and Consumer Banking			Home Lending			Total
Interest income - loans receivable, including fees	$	38,955		$	10,391		$	49,346
Interest income - other interest earnings assets		4,075			—			4,075
Total interest income by segment		43,030			10,391			53,421

Gain on sale of loans		—			1,468			1,468
Other income		4,986			(278	)		4,708
Intersegment income		(209	)		209			—
Total noninterest income by segment		4,777			1,399			6,176

Total income by segment		47,807			11,790			59,597

Expense:
Interest expense - deposits		14,033			—			14,033
Interest expense - borrowings		2,778			—			2,778
Interest expense - subordinated note		729			195			924
Interest expense - intersegment		(6,397	)		6,397			—
Total interest expense by segment		11,143			6,592			17,735

Provision for credit losses by segment		2,855			607			3,462

Salaries and benefits		9,084			2,388			11,472
Overhead allocation		7,143			1,890			9,033
Other segment items ⁽¹⁾		10,476			1,333			11,809
Total noninterest expense by segment		26,703			5,611			32,314

Income before provision for income taxes by segment		7,106			(1,020	)		6,086
Provision for income taxes by segment		(1,374	)		214			(1,160	)
Net income by segment	$	5,732		$	(806	)	$	4,926

Other segment disclosures:
Segment assets	$	2,896,914		$	779,737		$	3,676,651
FTEs		513			113			626

	At or For the Three Months Ended September 30, 2025
Income:	Commercial and Consumer Banking			Home Lending			Total
Interest income - loans receivable, including fees	$	37,419		$	9,245		$	46,664
Interest income - other interest earnings assets		4,309			—			4,309
Total interest income by segment		41,728			9,245			50,973

Gain on sale of loans		63			2,376			2,439
Other income		2,338			817			3,155
Intersegment income		(323	)		323			—
Total noninterest income by segment		2,078			3,516			5,594

Total income by segment		43,806			12,761			56,567

Expense:
Interest expense - deposits		14,857			6			14,863
Interest expense - borrowings		1,935			—			1,935
Interest expense - subordinated note		384			101			485
Interest expense - intersegment		(6,259	)		6,259			—
Total interest expense by segment		10,917			6,366			17,283

Provision for credit losses by segment		2,150			159			2,309

Salaries and benefits		8,032			1,803			9,835
Overhead allocation		5,761			1,810			7,571
Other segment items ⁽¹⁾		6,342			1,640			7,982
Total noninterest expense by segment		20,135			5,253			25,388

Income before provision for income taxes by segment		10,604			983			11,587
Provision for income taxes by segment		(2,203	)		(207	)		(2,410	)
Net income by segment	$	8,401		$	776		$	9,177

Other segment disclosures:
Segment assets	$	2,546,789		$	662,036		$	3,208,825
FTEs		460			115			575

	At or For the Nine Months Ended September 30, 2026
Income:	Commercial and Consumer Banking			Home Lending			Total
Interest income - loans receivable, including fees	$	112,905		$	28,655		$	141,560
Interest income - other interest earnings assets		10,856			—			10,856
Total interest income by segment		123,761			28,655			152,416

Gain on sale of loans		—			6,433			6,433
Other income		10,823			471			11,294
Intersegment income		(842	)		842			—
Total noninterest income by segment		9,981			7,746			17,727

Total income by segment		133,742			36,401			170,143

Expense:
Interest expense - deposits		42,649			5			42,654
Interest expense - borrowings		6,359			—			6,359
Interest expense - subordinated note		1,996			528			2,524
Interest expense - intersegment		(18,344	)		18,344			—
Total interest expense by segment		32,660			18,877			51,537

Provision for credit losses by segment		7,697			935			8,632

Salaries and benefits		26,303			6,837			33,140
Overhead allocation		18,765			5,513			24,278
Other segment items⁽¹⁾		23,910			2,610			26,520
Total noninterest expense by segment		68,978			14,960			83,938

Income before provision for income taxes by segment		24,407			1,629			26,036
Provision for income taxes by segment		(5,136	)		(208	)		(5,344	)
Net income by segment	$	19,271		$	1,421		$	20,692

Other segment disclosures:
Segment assets	$	2,896,914		$	779,737		$	3,676,651
FTEs		513			113			626

	At or For the Nine Months Ended September 30, 2025
Income:	Commercial and Consumer Banking			Home Lending			Total
Interest income - loans receivable, including fees	$	108,430		$	26,574		$	135,004
Interest income - other interest earnings assets		11,459			—			11,459
Total interest income by segment		119,889			26,574			146,463

Gain on sale of loans		63			6,048			6,111
Other income		7,533			2,246			9,779
Intersegment income		(975	)		975			—
Total noninterest income by segment		6,621			9,269			15,890

Total income by segment		126,510			35,843			162,353

Expense:
Interest expense - deposits		42,430			10			42,440
Interest expense - borrowings		5,783			—			5,783
Interest expense - subordinated note		1,155			301			1,456
Interest expense - intersegment		(17,876	)		17,876			—
Total interest expense by segment		31,492			18,187			49,679

Provision for credit losses by segment		5,320			602			5,922

Salaries and benefits		23,571			6,061			29,632
Overhead allocation		17,323			5,463			22,786
Other segment items ⁽¹⁾		19,731			3,796			23,527
Total noninterest expense by segment		60,625			15,320			75,945

Income before provision for income taxes by segment		29,073			1,734			30,807
Provision for income taxes by segment		(5,517	)		(364	)		(5,881	)
Net income by segment	$	23,556		$	1,370		$	24,926

Other segment disclosures:
Segment assets	$	2,546,789		$	662,036		$	3,208,825
FTEs		460			115			575

(1)	Other segment items include operations, occupancy, data processing, loan costs, professional and board fees, marketing and advertising, and (recovery) impairment of MSRs.

The entire disclosure for segment reporting.

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Note 14 - Business Segments (Tables)

9 Months Ended

Sep. 30, 2026

Segment Reporting [Table Text Block]

	At or For the Three Months Ended September 30, 2026
Income:	Commercial and Consumer Banking			Home Lending			Total
Interest income - loans receivable, including fees	$	38,955		$	10,391		$	49,346
Interest income - other interest earnings assets		4,075			—			4,075
Total interest income by segment		43,030			10,391			53,421

Gain on sale of loans		—			1,468			1,468
Other income		4,986			(278	)		4,708
Intersegment income		(209	)		209			—
Total noninterest income by segment		4,777			1,399			6,176

Total income by segment		47,807			11,790			59,597

Expense:
Interest expense - deposits		14,033			—			14,033
Interest expense - borrowings		2,778			—			2,778
Interest expense - subordinated note		729			195			924
Interest expense - intersegment		(6,397	)		6,397			—
Total interest expense by segment		11,143			6,592			17,735

Provision for credit losses by segment		2,855			607			3,462

Salaries and benefits		9,084			2,388			11,472
Overhead allocation		7,143			1,890			9,033
Other segment items ⁽¹⁾		10,476			1,333			11,809
Total noninterest expense by segment		26,703			5,611			32,314

Income before provision for income taxes by segment		7,106			(1,020	)		6,086
Provision for income taxes by segment		(1,374	)		214			(1,160	)
Net income by segment	$	5,732		$	(806	)	$	4,926

Other segment disclosures:
Segment assets	$	2,896,914		$	779,737		$	3,676,651
FTEs		513			113			626

	At or For the Three Months Ended September 30, 2025
Income:	Commercial and Consumer Banking			Home Lending			Total
Interest income - loans receivable, including fees	$	37,419		$	9,245		$	46,664
Interest income - other interest earnings assets		4,309			—			4,309
Total interest income by segment		41,728			9,245			50,973

Gain on sale of loans		63			2,376			2,439
Other income		2,338			817			3,155
Intersegment income		(323	)		323			—
Total noninterest income by segment		2,078			3,516			5,594

Total income by segment		43,806			12,761			56,567

Expense:
Interest expense - deposits		14,857			6			14,863
Interest expense - borrowings		1,935			—			1,935
Interest expense - subordinated note		384			101			485
Interest expense - intersegment		(6,259	)		6,259			—
Total interest expense by segment		10,917			6,366			17,283

Provision for credit losses by segment		2,150			159			2,309

Salaries and benefits		8,032			1,803			9,835
Overhead allocation		5,761			1,810			7,571
Other segment items ⁽¹⁾		6,342			1,640			7,982
Total noninterest expense by segment		20,135			5,253			25,388

Income before provision for income taxes by segment		10,604			983			11,587
Provision for income taxes by segment		(2,203	)		(207	)		(2,410	)
Net income by segment	$	8,401		$	776		$	9,177

Other segment disclosures:
Segment assets	$	2,546,789		$	662,036		$	3,208,825
FTEs		460			115			575

	At or For the Nine Months Ended September 30, 2026
Income:	Commercial and Consumer Banking			Home Lending			Total
Interest income - loans receivable, including fees	$	112,905		$	28,655		$	141,560
Interest income - other interest earnings assets		10,856			—			10,856
Total interest income by segment		123,761			28,655			152,416

Gain on sale of loans		—			6,433			6,433
Other income		10,823			471			11,294
Intersegment income		(842	)		842			—
Total noninterest income by segment		9,981			7,746			17,727

Total income by segment		133,742			36,401			170,143

Expense:
Interest expense - deposits		42,649			5			42,654
Interest expense - borrowings		6,359			—			6,359
Interest expense - subordinated note		1,996			528			2,524
Interest expense - intersegment		(18,344	)		18,344			—
Total interest expense by segment		32,660			18,877			51,537

Provision for credit losses by segment		7,697			935			8,632

Salaries and benefits		26,303			6,837			33,140
Overhead allocation		18,765			5,513			24,278
Other segment items⁽¹⁾		23,910			2,610			26,520
Total noninterest expense by segment		68,978			14,960			83,938

Income before provision for income taxes by segment		24,407			1,629			26,036
Provision for income taxes by segment		(5,136	)		(208	)		(5,344	)
Net income by segment	$	19,271		$	1,421		$	20,692

Other segment disclosures:
Segment assets	$	2,896,914		$	779,737		$	3,676,651
FTEs		513			113			626

	At or For the Nine Months Ended September 30, 2025
Income:	Commercial and Consumer Banking			Home Lending			Total
Interest income - loans receivable, including fees	$	108,430		$	26,574		$	135,004
Interest income - other interest earnings assets		11,459			—			11,459
Total interest income by segment		119,889			26,574			146,463

Gain on sale of loans		63			6,048			6,111
Other income		7,533			2,246			9,779
Intersegment income		(975	)		975			—
Total noninterest income by segment		6,621			9,269			15,890

Total income by segment		126,510			35,843			162,353

Expense:
Interest expense - deposits		42,430			10			42,440
Interest expense - borrowings		5,783			—			5,783
Interest expense - subordinated note		1,155			301			1,456
Interest expense - intersegment		(17,876	)		17,876			—
Total interest expense by segment		31,492			18,187			49,679

Provision for credit losses by segment		5,320			602			5,922

Salaries and benefits		23,571			6,061			29,632
Overhead allocation		17,323			5,463			22,786
Other segment items ⁽¹⁾		19,731			3,796			23,527
Total noninterest expense by segment		60,625			15,320			75,945

Income before provision for income taxes by segment		29,073			1,734			30,807
Provision for income taxes by segment		(5,517	)		(364	)		(5,881	)
Net income by segment	$	23,556		$	1,370		$	24,926

Other segment disclosures:
Segment assets	$	2,546,789		$	662,036		$	3,208,825
FTEs		460			115			575

Tabular disclosure of segment reporting. Includes, but is not limited to, reconciliation of reportable segment amount to corresponding consolidated total.

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 31
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-31

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 34
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-34

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 30
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26C
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26C

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26B

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26A

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 25
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-25

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-15

Note 3 - Investments - Schedule of Debt Securities, Held-to-Maturity Credit Quality Indicators (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Debt Securities, Held-to-Maturity, Amortized Cost	$ 38,111	$ 33,501
Corporate Debt Securities [Member]
Debt Securities, Held-to-Maturity, Amortized Cost	35,966	31,393
Municipal Bonds [Member]
Debt Securities, Held-to-Maturity, Amortized Cost	2,145	2,108
Standard & Poor's, BBB Rating [Member] \| Corporate Debt Securities [Member]
Debt Securities, Held-to-Maturity, Amortized Cost	34,966	29,521
Standard & Poor's, BB+ Rating [Member] \| Corporate Debt Securities [Member]
Debt Securities, Held-to-Maturity, Amortized Cost	1,000	1,872
Standard & Poor's, A Rating [Member] \| Municipal Bonds [Member]
Debt Securities, Held-to-Maturity, Amortized Cost	$ 2,145	$ 2,108

Note 9 - Commitments and Contingencies (Details Textual) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025	Jun. 30, 2026	Jun. 30, 2025	Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	$ 36,463,000	$ 30,056,000	$ 36,463,000	$ 30,056,000	$ 31,937,000	$ 31,165,000	$ 32,189,000	$ 31,870,000
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)	1,553,000	3,985,000	7,534,000	6,886,000
Proceeds from Sale, Loan, Held-for-Sale			437,906,000	379,654,000
Other Liabilities	49,107,000		49,107,000		30,656,000
Holdback Reserve For Guaranteed Loans [Member]
Other Liabilities	$ 609,000		609,000		1,800,000
Federal Home Loan Bank of Des Moines [Member]
Proceeds from Sale, Loan, Held-for-Sale			$ 8,000,000
Amount to Outstanding Credit Enhancement (CE) Obligation, Percentage	10.00%		10.00%
Escrow Holdback Relative to Outstanding Credit Enhancement (CE) Obligation	$ 30,000		$ 30,000
Federal Home Loan Bank of Des Moines [Member] \| Financial Asset, 30 to 59 Days Past Due [Member]
Proceeds from Sale, Loan, Held-for-Sale			0		0
Federal Home Loan Bank of Des Moines [Member] \| Recourse [Member]
First Loss Account (FLA)	581,000		581,000
Credit Enhancement (CE) Obligation	302,000		302,000
Unfunded Loan Commitment [Member]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	2,100,000		2,100,000		$ 1,800,000
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff (Recovery)	$ 409,000	$ 457,000	$ 371,000	$ 675,000

Note 7 - Leases

9 Months Ended

Sep. 30, 2026

Lessee, Operating Leases [Text Block]

NOTE 7 – LEASES

The Company has operating leases for retail bank and home lending branches, loan production offices, and certain equipment. At September 30, 2026, these leases have remaining terms ranging from three months to 8 years and 10 months, with some including options to extend for up to five years.

The components of lease cost (included in occupancy expense on the Consolidated Statements of Income) for the three and nine months ended September 30, 2026 and 2025 are as follows:

	Three Months Ended September 30,
Lease cost:	2026		2025
Operating lease cost	$	436	$	494
Short-term lease cost		3		7
Total lease cost	$	439	$	501

	Nine Months Ended September 30,
Lease cost:	2026		2025
Operating lease cost	$	1,166	$	1,459
Short-term lease cost		14		21
Total lease cost	$	1,180	$	1,480

The following table provides supplemental information related to operating leases at or for the three and nine months ended September 30, 2026 and 2025:

	At or For the Three months Ended September 30,
Cash paid for amounts included in the measurement of lease liabilities:	2026			2025
Operating cash flows from operating leases	$	413		$	508
Weighted average remaining lease term- operating leases (in years)		5.4			4.7
Weighted average discount rate- operating leases		4.35	%		3.83	%

	At or For the Nine Months Ended September 30,
Cash paid for amounts included in the measurement of lease liabilities:	2026			2025
Operating cash flows from operating leases	$	1,155		$	1,496
Weighted average remaining lease term- operating leases (in years)		5.4			4.7
Weighted average discount rate- operating leases		4.35	%		3.83	%

The Company’s leases typically do not contain a discount rate implicit in the lease contract. As an alternative, the discount rate used in determining the lease liability for each individual lease was the FHLB of Des Moines’ fixed advance rate.

Maturities of operating lease liabilities at September 30, 2026 for future periods are as follows:

Remainder of 2026	$	504
2027		1,957
2028		1,464
2029		1,196
2030		866
Thereafter		3,347
Total lease payments		9,334
Less imputed interest		(1,435	)
Total	$	7,899

Note 3 - Investments (Tables)

9 Months Ended

Sep. 30, 2026