---
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"
generated_at: "2026-06-13T02:19:21.537459+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Sound Financial Q2 net income $2.9M, EPS $1.11; declares $0.19 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/1541119/000154111923000029/0001541119-23-000029-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1541119/000154111923000029/sfbc-20230725.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-23-000029
- JSON: https://secwatch.observer/filing/0001541119-23-000029.json
- Plain text: https://secwatch.observer/filing/0001541119-23-000029.txt

## Key facts
- Earnings Releases
  Sound Financial Bancorp, Inc. reported the quarter ended June 30, 2023 results: net income $2.9 million, EPS $1.11 diluted earnings per share.
  - Period: the quarter ended June 30, 2023
  - Net income: $2.9 million
  - EPS: $1.11 diluted earnings per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1541119/000154111923000029/0001541119-23-000029-index.htm

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