{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-24-000051","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2024-10-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.747189+00:00","generated_at":"2026-05-30T07:25:02.823751+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Sound Financial Q3 net income $1.2M, EPS $0.45; NIM improves to 2.98%, loans top $900M","bullets":["Net income $1.2M ($0.45 EPS) in Q3 2024, flat YoY, up 45% from Q2.","Net interest margin 2.98%, up from 2.92% prior quarter, down from 3.38% YoY.","Loans held-for-portfolio exceeded $900M for first time, reaching $901.7M.","Nonperforming loans $8.5M, down 4.7% from Q2 but up 381% YoY; ACL to total loans 0.95%.","Declared $0.19/share dividend, payable Nov 26, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-24-000051","json":"https://secwatch.observer/filing/0001541119-24-000051.json","markdown":"https://secwatch.observer/filing/0001541119-24-000051.md","text":"https://secwatch.observer/filing/0001541119-24-000051.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111924000051/0001541119-24-000051-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111924000051/sfbc-20241030.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T07:25:02.823751+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"}