{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-26-000016","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2026-04-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.446510+00:00","generated_at":"2026-05-15T02:50:57.796062+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 $1.6M ($0.61 EPS); NIM expands to 3.49%","bullets":["Net income $1.6M, diluted EPS $0.61, down from $2.2M ($0.87) in Q4 2025 but up from $1.2M ($0.45) a year ago.","Net interest income $9.0M (+4.4% QoQ, +12.1% YoY); NIM 3.49% vs 3.36% Q4 and 3.25% Q1 2025.","Loans $921.5M (+1.8% QoQ, +4.0% YoY); deposits $968.5M (+2.1% QoQ, +6.4% YoY).","NPAs increased to $7.5M (0.67% of assets) from $6.1M at Q4; provision for credit losses $123k vs $104k Q4 and release of $203k YoY.","Declared $0.21/share dividend payable May 26 to holders of record May 11."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-26-000016","json":"https://secwatch.observer/filing/0001541119-26-000016.json","markdown":"https://secwatch.observer/filing/0001541119-26-000016.md","text":"https://secwatch.observer/filing/0001541119-26-000016.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111926000016/0001541119-26-000016-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111926000016/sfbc-20260428.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T02:50:57.796062+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":"9265b90f286c9c52a6965baad844c9ed6a9b1631","claim":"Sound Financial Bancorp, Inc. reported the first quarter ended March 31, 2026 results: net income net income of $1.6 million, EPS $0.61 diluted earnings per share.","evidence_excerpt":"WA, April 28, 2026 — Sound Financial Bancorp, Inc. (the \"Company\") (Nasdaq: SFBC), the holding company for Sound Community Bank (the \"Bank\"), today reported net income of $1.6 million for the quarter ended March 31, 2026, or $0.61 diluted earnings per share, compared to net income of $2.2 million, or $0.87 diluted earnings per share, for the quarter ended","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1541119/000154111926000016/0001541119-26-000016-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter ended March 31, 2026"},{"label":"Net income","value":"net income of $1.6 million"},{"label":"EPS","value":"$0.61 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"}