{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-22-000034","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2022-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:56.114470+00:00","generated_at":"2026-06-24T08:09:32.110208+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Sound Financial Bancorp Q2 net income $1.6M ($0.61 EPS), down 30% YoY; loans grow 13.6% QoQ","bullets":["Net income of $1.6M ($0.61 diluted EPS) vs $2.3M ($0.85) in Q2 2021 and $1.7M ($0.65) in Q1 2022.","Loans held-for-portfolio increased $96.6M (13.6%) QoQ to $806.1M; net interest margin rose to 3.83% from 3.49%.","Provision for loan losses was $600K, up from $125K in Q1 2022, driven by portfolio growth and economic uncertainty.","Board declared $0.17 per share cash dividend, payable Aug 23, 2022 to holders of record Aug 9, 2022.","Net gain on sale of loans fell to $84K from $1.1M YoY, reflecting lower refinance activity and mortgage volumes."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-22-000034","json":"https://secwatch.observer/filing/0001541119-22-000034.json","markdown":"https://secwatch.observer/filing/0001541119-22-000034.md","text":"https://secwatch.observer/filing/0001541119-22-000034.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111922000034/0001541119-22-000034-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111922000034/sfbc-20220726.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T08:09:32.110208+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"}