Welcome to our dedicated page for Fifth District Bancorp SEC filings (Ticker: FDSB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The SEC filings page for Fifth District Bancorp, Inc. (NASDAQ: FDSB) provides access to the company’s regulatory disclosures as the holding company for Fifth District Savings Bank. As a publicly traded financial institution in the Banks – Regional industry, the company files reports that describe its governance, stockholder actions, and other material events.
Among these documents are current reports on Form 8-K, which disclose significant corporate developments. In one such filing, the company reported the results of its Annual Meeting of Stockholders, including the election of directors for three-year terms, approval of the Fifth District Bancorp, Inc. 2025 Equity Incentive Plan, and ratification of EisnerAmper LLP as its independent registered public accounting firm for the fiscal year ending December 31, 2025. The filing detailed vote counts for each proposal, including for, against, abstentions, and broker non-votes.
Through this page, users can review filings that explain how Fifth District Bancorp, Inc. manages board composition, equity-based compensation plans, and auditor selection. In addition to 8-Ks, investors can use the platform to locate the company’s annual reports on Form 10-K and quarterly reports on Form 10-Q, which typically include information on loan portfolios, deposit products, and other aspects of operations for a holding company of a federally chartered stock savings bank.
Stock Titan enhances these filings with AI-powered summaries that highlight key points and clarify technical language, helping users understand voting outcomes, plan approvals, and other disclosures without reading every line. Real-time updates from EDGAR, along with access to forms that may include insider transactions and compensation details, allow users to monitor how Fifth District Bancorp, Inc. reports its activities to regulators and stockholders.
Fifth District Bancorp, Inc. Chief Credit Officer Shane Michael Smith reported equity compensation and prior stock purchases. On February 9, 2026, he received 11,118 shares of common stock as a grant at $0.00 per share, described as restricted stock that vests at a rate of 20% per year commencing on February 9, 2027. Following this grant, his direct holdings increased to 18,502 shares of common stock.
The filing also reflects an earlier open-market purchase on August 22, 2025, when he bought 2,701 shares of common stock at $13.4536 per share, bringing his direct holdings at that time to 7,384 shares. In addition, there is an indirect holding of 629 shares held by a 401(k) Plan, providing a view of both direct and retirement-plan-based ownership.
Fifth District Bancorp, Inc. Chief Credit Officer Shane Michael Smith reported an award of 11,118 shares of common stock on February 9, 2026. This was a grant of restricted stock at $0.00 per share as compensation, not an open-market purchase.
According to a footnote, these restricted shares vest at a rate of 20% per year commencing on February 9, 2027. The filing also reflects a prior open-market purchase of 2,701 common shares at $13.4536 per share on August 22, 2025. Following the latest award, Smith holds 18,502 common shares directly, plus 7,045 shares held indirectly through a 401(k) plan.
Fifth District Bancorp, Inc. files its annual report describing a community-focused thrift holding company that completed its mutual-to-stock conversion in 2024, selling 5,459,473 shares at $10.00 per share and issuing 100,000 shares to a community foundation.
At December 31, 2025, the company had total assets of $534.4 million, loans of $376.4 million, deposits of $393.2 million, and stockholders’ equity of $129.8 million. Lending is concentrated in fixed-rate one- to four-family mortgages, which represent 86.3% of total loans, with modest exposures to construction, commercial real estate, commercial and industrial, and home equity products.
Credit quality appears strong, with non-performing assets of $586,000, equal to 0.11% of total assets, and an allowance for credit losses on loans of $1.7 million, or 0.45% of total loans. The bank is funded primarily by core deposits, has no Federal Home Loan Bank advances outstanding, and maintains significant unused borrowing capacity.
Fifth District Bancorp, Inc. Chief Credit Officer Shane Michael Smith filed an initial ownership report showing he directly holds 4,683 shares of the company’s common stock as of the reported date. This Form 3 establishes his baseline equity position as an executive officer.
AllianceBernstein L.P. reports beneficial ownership of 276,691 shares, or 5.0%, of Fifth District Bancorp Inc common stock as of 12/31/2025. The shares are held in discretionary investment advisory accounts and are described as acquired in the ordinary course of business, without any intent to change or influence control of the company.
Fifth District Savings Bank Employee Stock Ownership Plan Trust reported beneficial ownership of 444,719.35 shares of Fifth District Bancorp, Inc. common stock, representing 8.3% of the class as of 12/31/2025.
The trust has sole voting power over 400,282.20 shares and shared voting power over 44,437.15 shares. It holds sole dispositive power over all 444,719.35 shares and no shared dispositive power. The securities are stated to be held in the ordinary course of business, without the purpose or effect of changing or influencing control of the issuer.
Fifth District Bancorp (FDSB) insider activity: VP of Lending Subsidiary Gervais Dodie F. acquired 31,133 shares of common stock on February 9, 2026 as a restricted stock award at a reported price of $0 per share. These restricted shares vest 20% per year starting on February 9, 2027.
After this transaction, Gervais Dodie F. directly owns 31,133 common shares and indirectly holds 25,000 common shares through a 401(k) plan.
Fifth District Bancorp, Inc. reported that its CFO and Treasurer, Melissa C. Burns, received an award of 31,133 shares of common stock on February 9, 2026, recorded at a price of $0 per share as a stock grant rather than a purchase.
These shares are restricted stock that vest at 20% per year, beginning on February 9, 2027, spreading full vesting over five years. After this grant, Burns directly holds 31,133 common shares and indirectly holds 25,000 common shares through a 401(k) plan, aligning her compensation more closely with shareholder outcomes.
Fifth District Bancorp, Inc. reported that President, CEO and director Amie L. Lyons acquired 31,133 shares of common stock on February 9, 2026. The shares were granted at a price of $0 and are restricted stock that vest 20% per year starting February 9, 2027.
After this award, Lyons beneficially owns 31,133 shares directly, plus 20,000 shares held indirectly through a 401(k) plan and 450 shares held indirectly through a child.
Fifth District Bancorp, Inc. appointed Amie L. Lyons as permanent President and Chief Executive Officer of both the company and its bank subsidiary, Fifth District Savings Bank. She had been serving in this role on an interim basis since June 2025 following the prior CEO’s passing.
The board’s chairman praised Lyons’ nearly 30 years with the organization and her recent leadership. Lyons expressed gratitude for the board’s confidence and emphasized her commitment to working with management and employees to serve customers and create value for shareholders.