---
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"
generated_at: "2026-06-30T00:59:06.691644+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Sound Financial Bancorp Q2 2021 net income $2.3M ($0.85 EPS); declares $0.17 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-21-000023
- JSON: https://secwatch.observer/filing/0001541119-21-000023.json
- Plain text: https://secwatch.observer/filing/0001541119-21-000023.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.