FDSB on Nasdaq

Fifth District Bancorp, Inc.

Fifth District Bancorp, Inc. is an American savings institution company based in New Orleans.1 Its shares trade on Nasdaq under the symbol FDSB.1

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Last updated Oct 20, 2026.

Overview

Compare with 1st Constitution Bancorp, NSTS Bancorp, Inc. or Home Federal Bancorp, Inc. of Louisiana, or pick any stock.

  • TickerFDSB on Nasdaq1
  • IndustrySavings Institution, Federally Chartered1
  • HeadquartersNew Orleans, Louisiana1
  • Incorporated inMD2
  • Business address4000 General Degaulle Drive, New Orleans, La 701142
  • Filer categoryNon-accelerated filer, Smaller reporting company, Emerging growth company2

These forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. Except as may be required by applicable law or regulation, we are under no duty to and do not take any obligation to update any forward-looking statements after the date of this annual report.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

675.7%Net margin4
-2.3%Revenue growth, 20254
3.2%Return on equity4
$942.0KFree cash flow4

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

ATM and Check Card Fees brought in 65% of the revenue Fifth District Bancorp, Inc. broke down this way in fiscal 2025.

  1. ATM and Check Card Fees$393.0K465%down 2% from 2024
  2. Insufficient Funds Fees$161.0K427%down 2% from 2024
  3. Deposit Service and Account Maintenance Fees$51.0K48%down 4% from 2024
Products and services by year
Products and services20242025
ATM and Check Card Fees$402.0K$393.0K
Insufficient Funds Fees$164.0K$161.0K
Deposit Service and Account Maintenance Fees$53.0K$51.0K

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax2¢$97.0K
  • Profit98¢$4.1M

Out of $605.0K in revenue.4

Where each dollar of operating cash went, fiscal 2025

  • Capital spending29¢$384.0K
  • Kept or used elsewhere71¢$942.0K

Out of $1.3M of cash from operations.4

Financial statements

Revenue54$605.0K in 2025−1% since 2023
0$200.0K$400.0K$600.0K$800.0K2023: $614.0K$614.0K20232024: $619.0K$619.0K2024+1%2025: $605.0K$605.0K2025−2%
Net income54$4.1M in 2025+413% since 2023
-$2.0M0$2.0M$4.0M$6.0M2023: $797.0K$797.0K20232024: -$1.1M-$1.1M20242025: $4.1M$4.1M2025

Every line of the income statement as filed: the last 2 fiscal years, latest first.4

Period ending2025-12-312024-12-31
Loans, Including Fees$16.8M$15.3M
Investment Securities$4.1M$2.6M
Other Interest-Earning Assets$1.1M$1.4M
Total Interest and Dividend Income$22.1M$19.3M
Deposits$9.2M$9.2M
Short-Term Federal Home Loan Bank Advances$4.0K
Total Interest Expense$9.2M$9.2M
Net Interest Income$12.8M$10.1M
Recovery of Credit Losses on Loans-$1.1M
Provision for (Recovery of) Credit Losses on Unfunded Commitments$10.0K-$110.0K
Total Provision for (Recovery of) Credit Losses$10.0K-$1.2M
Net Interest Income After Provision for (Recovery of) Credit Losses$12.8M$11.3M
Non-Interest Income (In-Scope of Topic 606)$605.0K$619.0K
Bank Owned Life Insurance$304.0K$353.0K
Loss on Investments Securities-$1.1M
Gain on Sale of Premises and Equipment$141.0K
Gain on Sale of Real Estate Owned$14.0K
Gain on Insurance Proceeds$3.5M
Other$38.0K$42.0K
Total Non-Interest Income$4.4M$11.0K
Salaries and Employee Benefits$7.7M$6.7M
Occupancy and Equipment$2.0M$1.8M
Federal Deposit Insurance$215.0K$205.0K
Directors$240.0K$277.0K
Professional and Legal$330.0K$194.0K
Audit and Examination$332.0K$304.0K
Data Processing$1.3M$1.2M
Advertising$105.0K$131.0K
Charitable Contributions$4.0K$1.3M
Other$856.0K$613.0K
Total Non-Interest Expense$13.1M$12.7M
Income (Loss) Before Income Taxes$4.2M-$1.4M
Income Tax Expense (Benefit)$97.0K-$358.0K
Net Income (Loss)$4.1M-$1.1M
Income (Loss) per Share - Basic (in dollars per share)$0.80-$0.21
Income (Loss) per Share - Diluted (in dollars per share)$0.80-$0.21

Compare Fifth District Bancorp, Inc. with another company

Corporate structure

Fifth District Bancorp, Inc. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Fifth District Bancorp, Inc.

  • AllianceBernstein Filed SCHEDULE 13G/A on Fifth District Bancorp, Inc., latest Aug 14, 2026 (2 filings since Feb 17, 2026)
  • Fifth District Savings Bank Employee Stock Ownership Plan Trust Filed SCHEDULE 13G on Fifth District Bancorp, Inc., latest Feb 17, 2026
  • FJ Capital Management LLC Filed SCHEDULE 13G/A on Fifth District Bancorp, Inc., latest Aug 13, 2025 (5 filings since Aug 9, 2024)
  • Principal Financial Group Filed SC 13G on Fifth District Bancorp, Inc., latest Nov 14, 2024
  • Fifth District Bancorp, Inc. New Orleans, Louisiana

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Fifth District Bancorp, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$22.0M4 Dec 31, 2025$21.6M4 Dec 31, 2024+1.8%
Accumulated depreciation$10.3M4 Dec 31, 2025$9.7M4 Dec 31, 2024+6.9%
Property and equipment, net$11.6M4 Dec 31, 2025$11.9M4 Dec 31, 2024−2.4%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$33.9M4 Dec 31, 2025$37.9M4 Dec 31, 2024−10.7%
Loans, net of allowance$376.4M4 Dec 31, 2025$367.3M4 Dec 31, 2024+2.5%
Deposits held (banks)$393.2M4 Dec 31, 2025$391.5M4 Dec 31, 2024+0.4%

Properties, in its own words

At December 31, 2025, the net book value of our properties (including land, buildings and improvements, and furniture and fixtures) was $11.6 million. The following table sets forth information regarding our offices at December 31, 2025.

Leased or · Approximate

The rest of Item 2

Location · Owned · Year Acquired · Square Footage

Main Office:

4000 General DeGaulle Drive

New Orleans, LA 70114

Orleans Parish · Owned · 1971 · 5,000

Branch Offices:

850 Avenue D

Marrero, LA 70072

Jefferson Parish · Owned · 2024 · 3,500

2476 Barataria Boulevard

Marrero, LA 70072

Jefferson Parish · Owned · 1979 · 2,400

1317 Westbank Expressway

Westwego, LA 70094

Jefferson Parish · Owned · 1981 · 2,840

4526 W. Esplanade Avenue

Metairie, LA 70006

Jefferson Parish · Owned · 2007 · 2,500

69285 Highway 21

Covington, LA 70433

St. Tammany Parish · Owned · 2018 · 4,000

425 Harrison Avenue, Suite 1100

New Orleans, LA 70124

Orleans Parish · Owned · 2020 · 1,600

Each location has an ATM and a drive-thru facility. We believe that our current facilities are adequate to meet our present and foreseeable needs. We currently do not have any current plans or understandings to expand our office network.

Item 2 of the 10-K filed Mar 24, 2026.3

Leadership

Who has led Fifth District Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.

Board members and other officers (10)

Timeline

  1. Jun 9, 20268-K Executive or director change19
  2. May 20, 20268-K Shareholder vote20
  3. Feb 10, 2026New chief executive Amie L. Lyons becomes CEO8
  4. Feb 9, 20268-K Executive or director change; Regulation FD disclosure21
  5. Sep 16, 20258-K Shareholder vote22
  6. Aug 25, 20258-K Other events23
  7. Jul 16, 20258-K Executive or director change24
  8. Jun 4, 20258-K Executive or director change25
  9. Apr 4, 20258-K Change of auditor26
  10. Jul 31, 2024New chief executive Brian W. North becomes CEO9
  11. Jul 31, 20248-K Other events27
  12. Jul 25, 20248-K Other events28
  13. May 13, 20248-K Entered a material agreement29

Calendar

Coming up

  1. Nov 9, 2026Reports results for the quarter ending Sep/202630

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

81 filings to the SEC since October 2021: 2 annual reports, 8 quarterly reports, 11 major events, 27 insider forms, 9 large holders, 24 other. The latest 20:

  1. Aug 26, 20264 EDGAR
  2. Aug 14, 2026144 EDGAR
  3. Aug 14, 2026SCHEDULE 13G/A EDGAR
  4. Aug 10, 202610-Q EDGAR
  5. Jun 29, 202611-K EDGAR
  6. Jun 9, 20268-K EDGAR
  7. Jun 8, 20264 EDGAR
  8. Jun 8, 20263 EDGAR
  9. Jun 8, 20263 EDGAR
  10. May 26, 20264 EDGAR
  11. May 21, 20264 EDGAR
  12. May 20, 2026144 EDGAR
  13. May 20, 20268-K EDGAR
  14. May 12, 202610-Q EDGAR
  15. Apr 13, 2026DEF 14A EDGAR
  16. Apr 1, 20264/A EDGAR
  17. Mar 30, 20264 EDGAR
  18. Mar 24, 20263 EDGAR
  19. Mar 24, 202610-K EDGAR
  20. Feb 17, 2026SCHEDULE 13G EDGAR

The 81 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

7 open-market trades by officers, directors and large owners since October 2021: 2 buys and 5 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 25, 2026Rittiner Chris M.DirectorSale8,400$18.19$152.8KForm 4
Aug 24, 2026Rittiner Chris M.DirectorSale600$18.30$11.0KForm 4
May 21, 2026Sins Linda A.DirectorSale8$15.03$120Form 4
May 20, 2026Sins Linda A.DirectorSale2,692$15.02$40.4KForm 4
Sep 18, 2025Sins Linda A.DirectorSale150$13.95$2.1KForm 4
Aug 22, 2025Smith Shane MichaelChief Credit OfficerBuy2,701$13.45$36.3KForm 4
Aug 22, 2025Smith Shane MichaelChief Credit OfficerBuy2,701$13.45$36.3KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Amie L. Lyons$231.9K$369.6K35
2025Melissa C. Burns$186.5K$287.0K35
2025Brian W. North$206.3K$240.3K35
2025Dodie F. Gervais$137.5K$210.9K35
2024Former President and Chief Executive Officer$342.4K$542.4K35
2024President and Chief Executive Officer$217.5K$345.4K35
2024Vice President and Chief Financial Officer$160.7K$302.0K35

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Alliancebernstein L.P.356,440$5.3M0.0%+44,317
Vanguard Capital Management LLC226,320$3.7M0.0%−6,928
Mangrove Partners Im, LLC141,766$2.3M0.2%No change
Stilwell Value LLC80,000$1.3M0.7%No change
Renaissance Technologies LLC62,600$1.0M0.0%−1,356
Daytona Street Capital LLC50,000$868.8K0.6%New
Waverly Advisors, LLC52,741$856.0K0.0%New
Morgan Stanley50,102$813.2K0.0%+102
Geode Capital Management, LLC48,810$792.6K0.0%−1,347
Arcus Capital Partners, LLC36,804$597.3K0.2%+300
BlackRock, Inc.31,975$519.0K0.0%+4,025
Vanguard Fiduciary Trust Co27,943$453.5K0.0%+196
Creative Planning25,000$405.8K0.0%−5,000
Citadel Advisors LLC20,675$335.6K0.0%New
Dimensional Fund Advisors LP10,432$169.3K0.0%New
Northern Trust Corp10,121$164.3K0.0%−910
Orleans Capital Management Corp/la10,000$162.3K0.1%No change
Krilogy Financial LLC10,000$162.3K0.0%New
Beacon Pointe Advisors, LLC10,000$162.3K0.0%No change
Vanguard Global Advisers, LLC3,039$49.3K0.0%No change
Osaic Holdings, Inc.996$16.2K0.0%No change
American Capital Advisory, LLC550$8.9K0.0%No change
UBS Group AG465$7.5K0.0%New
Acadian Asset Management LLC21,026$3400.0%−756

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Fifth District Bancorp, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARFifth District Bancorp, Inc.1
  • CIK0002012726
  • Employer ID (EIN)99-18976733
  • Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inMaryland3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6035 Savings Institution, Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address4000 General Degaulle Drive, New Orleans, LA 701141
  • Phone504-362-75441
  • Shares outstanding5,235,658 as of Aug 10, 20267
  • Public float$58.2M as of Jun 30, 20253
  • AuditorEISNERAMPER LLP, Metairie, Louisiana PCAOB ID 274; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceMar 8, 20241
  • Filings81 in all: 4 (14), 3 (12), 8-K (11), 10-Q (8), SCHEDULE 13G/A (5), 144 (3), 424B3 (3), CORRESP (3)1
    All 22 form types

    SCHEDULE 13G (3), 10-K (2), 11-K (2), DEF 14A (2), EFFECT (2), S-1/A (2), S-8 (2), 4/A (1), 8-A12B (1), CERT (1), POS AM (1), S-1 (1), SC 13G (1), UPLOAD (1)

  • Latest filingsAnnual report (10-K) Mar 24, 2026
    Quarterly report (10-Q) Aug 10, 2026
    Proxy statement (DEF 14A) Apr 13, 2026
    Latest 8-K (8-K) Jun 9, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $0.01 per shareFDSBThe NASDAQ Stock Market LLC

From the cover page of the 10-K filed Mar 24, 2026 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

Legal proceedings

We are not involved in any pending legal proceedings other than routine legal proceedings occurring in the ordinary course of business. At December 31, 2025, we were not involved in any legal proceedings, the outcome of which we believe would be material to our consolidated financial condition or results of operations.

The opening of Item 3, Legal Proceedings.3

Sources

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