Sound Financial Q3 net income $2.5M ($0.97 EPS); NIM expands to 4.13%

Sound Financial Bancorp, Inc.

2022-Q3 EPS reported $2.23

Net income $2.5M ($0.97 diluted EPS) vs $1.6M ($0.61) in Q2 and $2.6M ($0.98) in Q3 2021.
Net interest margin rose to 4.13% from 3.83% (QoQ) and 3.74% (YoY) driven by loan growth.
Loans held-for-portfolio grew 5.6% to $851.4M; deposits up 3.7% to $815.4M.
Nonperforming loans fell 44.9% to $2.5M; allowance coverage ratio 301%.
Declared $0.17 quarterly dividend payable Nov 23, record Nov 9.

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