---
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"
generated_at: "2026-07-29T10:06:31.044175+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001541119-26-000022
- JSON: https://secwatch.observer/filing/0001541119-26-000022.json
- Plain text: https://secwatch.observer/filing/0001541119-26-000022.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.