FS Bancorp, Inc. is a bank holding company headquartered in Bluffton, South Carolina, serving as the parent of First South Bank. Through its community banking operations, the company provides a full suite of deposit and lending solutions to individuals, small and midsize businesses, professional service firms and nonprofit organizations. Its core banking network covers key markets in the South Carolina Lowcountry and the Savannah, Georgia region, supporting local economies with personalized financial services.
The company’s consumer banking offerings include checking and savings accounts, money market deposits, certificates of deposit, residential mortgage loans, home equity lines of credit, auto loans and other installment financing. On the commercial side, First South Bank delivers a range of lending products—such as commercial real estate, construction and developer financing, equipment and working capital lines—as well as treasury management, merchant services, ATM management and payroll processing. The bank also offers trust, wealth management and retirement planning services through its investment advisory and fiduciary platform.
Originally chartered in the early 20th century, First South Bank has expanded over generations to support growing communities along the southeastern Atlantic coast. The holding company structure of FS Bancorp was established to enhance strategic planning and capital management as the bank broadened its branch footprint and diversified its service lines. Today, the organization maintains a network of full-service branches, loan production offices and digital banking channels designed to meet evolving customer needs in both urban and rural markets.
The leadership of FS Bancorp is composed of seasoned banking professionals and community business leaders who guide the company’s strategic vision and risk management practices. An executive team—including the president and chief executive officer, chief financial officer, chief credit officer and other senior officers—oversees daily operations, regulatory compliance and growth initiatives. A board of directors, drawn from regional enterprises and civic organizations, ensures that the bank remains committed to local development, customer service excellence and long-term shareholder value.
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