{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-23-000029","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2023-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.253823+00:00","generated_at":"2026-06-13T02:19:21.537459+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Sound Financial Q2 net income $2.9M, EPS $1.11; declares $0.19 dividend","bullets":["Net income $2.9M ($1.11 EPS) vs $2.2M ($0.83) in Q1 2023 and $1.6M ($0.61) in Q2 2022.","NIM (annualized) 3.71%, down from 4.01% in Q1 2023, up from 3.82% a year ago.","Loans held-for-portfolio $855.4M (-1.7% QoQ); deposits $822.3M (-2.3% QoQ).","Recorded $331k reversal of credit losses; BOLI death benefit of $568k boosted noninterest income.","Dividend of $0.19/share declared, payable Aug 23 to holders of record Aug 9."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-23-000029","json":"https://secwatch.observer/filing/0001541119-23-000029.json","markdown":"https://secwatch.observer/filing/0001541119-23-000029.md","text":"https://secwatch.observer/filing/0001541119-23-000029.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111923000029/0001541119-23-000029-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111923000029/sfbc-20230725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T02:19:21.537459+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":[{"claim_id":"bcbdeca7a18ea9f6d905cd526d76686d1997825d","claim":"Sound Financial Bancorp, Inc. reported the quarter ended June 30, 2023 results: net income $2.9 million, EPS $1.11 diluted earnings per share.","evidence_excerpt":"Sound Financial Bancorp, Inc. (the \"Company\") (Nasdaq: SFBC), the holding company for Sound Community Bank (the \"Bank\"), today reported net income of $2.9 million for the quarter ended June 30, 2023, or $1.11 diluted earnings per share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1541119/000154111923000029/0001541119-23-000029-index.htm","confidence":0.97,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"$2.9 million"},{"label":"EPS","value":"$1.11 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}