secwatch.observer — SEC 8-K summary
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Issuer:     Sound Financial Bancorp, Inc. (SFBC)
CIK:        0001541119
Form:       8-K
Filed at:   2026-07-28T21:36:35+00:00
Accession:  0001541119-26-000022
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1541119/000154111926000022/0001541119-26-000022-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1541119/000154111926000022/sfbc-20260728.htm
  HTML page:      https://secwatch.observer/filing/0001541119-26-000022

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