{"schema_version":"secwatch.filing_event.v1","accession":"0001541119-26-000022","form_type":"8-K","ticker":"SFBC","cik":"0001541119","company_name":"Sound Financial Bancorp, Inc.","filed_at":"2026-07-28T21:36:35+00:00","discovered_at":"2026-07-29T10:05:00.331782+00:00","generated_at":"2026-07-29T10:06:31.044175+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Sound Financial Bancorp Q2 net income $2.5M ($0.98 EPS), NIM 3.73%; declares $0.21 dividend","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001541119-26-000022","json":"https://secwatch.observer/filing/0001541119-26-000022.json","markdown":"https://secwatch.observer/filing/0001541119-26-000022.md","text":"https://secwatch.observer/filing/0001541119-26-000022.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1541119/000154111926000022/0001541119-26-000022-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1541119/000154111926000022/sfbc-20260728.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-29T10:06:31.044175+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"}