{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-25-000017","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2025-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.701904+00:00","generated_at":"2026-05-23T02:18:15.372742+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 Q1 net income $1.2M ($0.45 EPS), NIM expands to 3.25%, declares $0.19 dividend","bullets":["Net income of $1.2M ($0.45 diluted EPS) vs $1.9M ($0.74) in Q4 2024 and $770K ($0.30) in Q1 2024.","Net interest margin improved 12 bps to 3.25% from 3.13% in Q4 2024; NII up 8.2% YoY to $8.1M.","Loans held-for-portfolio fell $13.9M to $886.2M; deposits rose $72.5M to $910.3M QoQ.","Nonperforming loans rose $2.2M to $9.7M (1.09% of loans); one $988K CRE loan repaid post-quarter.","Declared $0.19 per share cash dividend, payable May 23, 2025 to holders of record May 9, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-25-000017","json":"https://secwatch.observer/filing/0001541119-25-000017.json","markdown":"https://secwatch.observer/filing/0001541119-25-000017.md","text":"https://secwatch.observer/filing/0001541119-25-000017.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111925000017/0001541119-25-000017-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111925000017/sfbc-20250429.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T02:18:15.372742+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"}