---
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"
generated_at: "2026-06-23T00:48:54.215631+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1541119/000154111922000044/0001541119-22-000044-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1541119/000154111922000044/sfbc-20221025.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-22-000044
- JSON: https://secwatch.observer/filing/0001541119-22-000044.json
- Plain text: https://secwatch.observer/filing/0001541119-22-000044.txt

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