Sound Financial Bancorp Q2 net income $2.5M ($0.98 EPS), NIM 3.73%; declares $0.21 dividend

Sound Financial Bancorp, Inc.

Net income $2.5M ($0.98 EPS) vs. $1.6M ($0.61) in Q1 2026 and $2.1M ($0.79) in Q2 2025.
Net interest margin (annualized) 3.73%, up from 3.51% in Q1 and 3.67% in Q2 2025.
Nonperforming loans increased to $8.1M (0.90% of loans) from $7.4M in Q1 and $3.4M a year ago.
Board declared $0.21 per share cash dividend, payable Aug 21, 2026 to holders of record Aug 7, 2026.
Loans held-for-portfolio decreased $29.5M to $892.0M; deposits down $37.6M to $930.9M.

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