{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-24-000043","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2024-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.457567+00:00","generated_at":"2026-05-31T15:42:58.653550+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Sound Financial Q2 net income $0.31 EPS, down 72% YoY; NIM narrows to 2.92%","bullets":["Net income $795k ($0.31 diluted EPS) vs $2.9M ($1.11) in Q2 2023, down 72% YoY.","Net interest margin compressed to 2.92% from 3.71% a year ago; net interest income fell 14.8% YoY.","Nonperforming loans rose to $8.9M (1.00% of loans) vs $1.5M a year ago; NPAs decreased QoQ to $9.0M.","Dividend declared $0.19 per share, payable Aug 23 to holders of record Aug 9.","Deposit mix shifted: noninterest-bearing deposits down 21.2% YoY; loans-to-deposits ratio 98%."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-24-000043","json":"https://secwatch.observer/filing/0001541119-24-000043.json","markdown":"https://secwatch.observer/filing/0001541119-24-000043.md","text":"https://secwatch.observer/filing/0001541119-24-000043.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111924000043/0001541119-24-000043-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111924000043/sfbc-20240729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T15:42:58.653550+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"}