---
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"
generated_at: "2026-06-24T08:09:32.110208+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Sound Financial Bancorp Q2 net income $1.6M ($0.61 EPS), down 30% YoY; loans grow 13.6% QoQ

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-22-000034
- JSON: https://secwatch.observer/filing/0001541119-22-000034.json
- Plain text: https://secwatch.observer/filing/0001541119-22-000034.txt

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