{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-22-000024","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2022-04-27T23:59:59+00:00","discovered_at":"2026-05-14T18:04:01.139688+00:00","generated_at":"2026-06-26T04:05:46.940837+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Sound Financial Q1 net income $1.7M, EPS $0.65; declares $0.17 dividend","bullets":["Net income of $1.7M ($0.65 diluted EPS), down from $2.5M ($0.93) in Q1 2021 and $1.9M ($0.70) in Q4 2021.","Net interest margin (NIM) annualized 3.49%, up 40 bps YoY but down 4 bps sequentially from 3.53%.","Loans held-for-portfolio grew 15.5% YoY to $709.5M; total deposits up 2.4% YoY to $836.1M.","Nonperforming assets decreased to $5.4M (0.56% of assets) from $6.2M (0.68%) at December 31, 2021.","Declared regular quarterly cash dividend of $0.17 per share, payable May 24, 2022 to holders of record May 10, 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-22-000024","json":"https://secwatch.observer/filing/0001541119-22-000024.json","markdown":"https://secwatch.observer/filing/0001541119-22-000024.md","text":"https://secwatch.observer/filing/0001541119-22-000024.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111922000024/0001541119-22-000024-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111922000024/sfbc-20220426.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T04:05:46.940837+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"}