{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-22-000044","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2022-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.091527+00:00","generated_at":"2026-06-23T00:48:54.215631+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Sound Financial Q3 net income $2.5M ($0.97 EPS); NIM expands to 4.13%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-22-000044","json":"https://secwatch.observer/filing/0001541119-22-000044.json","markdown":"https://secwatch.observer/filing/0001541119-22-000044.md","text":"https://secwatch.observer/filing/0001541119-22-000044.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111922000044/0001541119-22-000044-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111922000044/sfbc-20221025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T00:48:54.215631+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"}