{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-21-000023","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2021-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:04:18.518607+00:00","generated_at":"2026-06-30T00:59:06.691644+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Sound Financial Bancorp Q2 2021 net income $2.3M ($0.85 EPS); declares $0.17 dividend","bullets":["Net income $2.3M vs $2.5M in Q1 2021 and $2.1M in Q2 2020; diluted EPS $0.85.","Net interest margin improved to 3.36% from 3.09% in Q1; net interest income up 12.5%.","Loans held-for-portfolio increased $25.3M to $639.6M; PPP loans fell to $36.0M.","Nonperforming assets decreased $1.1M to $2.2M; allowance coverage of NPLs 412.67%.","Dividend of $0.17/share declared, payable Aug 24 to record Aug 10."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-21-000023","json":"https://secwatch.observer/filing/0001541119-21-000023.json","markdown":"https://secwatch.observer/filing/0001541119-21-000023.md","text":"https://secwatch.observer/filing/0001541119-21-000023.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111921000023/0001541119-21-000023-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111921000023/sfbc-20210728.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-30T00:59:06.691644+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}