FSB Bancorp, Inc.

FSB Bancorp, Inc. is a bank holding company name, the sort that usually stands behind a local or regional lender rather than in front of customers. By our assessment, it belongs to the same plain category as many similar structures: useful for organizing deposits, loans, and the operating bank below it, but not especially memorable by itself. The good part is the practical one — these companies can give a bank a stable corporate shell and a clear link to ordinary lending and account services. The downside is that the name tells almost nothing about the actual branch network, pricing, or style of service. In use, this is the kind of financial company people mostly learn about when they look deeper into the bank it owns. FSB Bancorp, Inc. is a background name in banking, and the background is where it stays.