{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-22-000003","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2022-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:04:06.926510+00:00","generated_at":"2026-06-27T13:32:49.588970+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Sound Financial Q4 EPS $0.70 vs $1.34 YoY; NPAs rise 67% sequentially","bullets":["Net income $1.9M ($0.70 diluted) vs $2.6M ($0.98) in Q3 2021 and $3.5M ($1.34) in Q4 2020.","Net interest margin 3.53%, down from 3.74% in Q3; PPP-deferred fee benefit fell to 5 bps from 41 bps.","Nonperforming assets increased to $6.2M (0.68% of assets) from $3.7M (0.40%) at Q3 end.","Loans held-for-portfolio grew $18.8M to $686.4M; no provision for loan losses recorded.","Efficiency ratio weakened to 75.31% from 64.81% in Q3 and 56.32% a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-22-000003","json":"https://secwatch.observer/filing/0001541119-22-000003.json","markdown":"https://secwatch.observer/filing/0001541119-22-000003.md","text":"https://secwatch.observer/filing/0001541119-22-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111922000003/0001541119-22-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111922000003/sfbc-20220128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T13:32:49.588970+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"}