---
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"
generated_at: "2026-06-26T04:05:46.940837+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Sound Financial Q1 net income $1.7M, EPS $0.65; declares $0.17 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-22-000024
- JSON: https://secwatch.observer/filing/0001541119-22-000024.json
- Plain text: https://secwatch.observer/filing/0001541119-22-000024.txt

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