Sound Financial Bancorp, Inc. filings document the public-company disclosures of a Maryland bank holding company whose principal subsidiary is Sound Community Bank. The filing record includes Form 8-K reports for quarterly and annual operating results, financial condition, cash dividends on common stock, annual meeting dates, and executive leadership changes.
Proxy materials cover shareholder voting matters, board governance, executive compensation, equity awards, and related annual meeting disclosures. Together, the company's SEC reports describe its community-bank structure, capital return actions, governance framework, officer appointments, and recurring financial reporting obligations as a Nasdaq-listed banking issuer.
Sound Financial Bancorp, Inc. (SFBC) reported third-quarter 2026 net income of $2.3 million, or $0.90 diluted earnings per share, compared with $1.7 million and $0.66 a year earlier and $2.5 million and $0.98 in Q2 2026. For the first nine months, net income was $6.413 million, versus $4.914 million in 2025; management reported year-to-date earnings increased 30.5%.
Third-quarter net interest income was $9.5 million, up 6.2% year over year, and annualized net interest margin was 3.76%, versus 3.48%. At September 30, 2026, total assets were $1.04 billion, loans held-for-portfolio were $878.0 million and deposits were $906.7 million. Nonperforming loans reached $8.5 million, up 212.7% from $2.7 million a year earlier; the allowance for credit losses on loans was 96.22% of nonperforming loans.
The board declared a $0.21 per-share cash dividend, payable November 20, 2026, to stockholders of record at close of business November 6, 2026. During the quarter, the company repaid all outstanding FHLB advances and $2.0 million of subordinated debt; after quarter-end, it repaid the remaining $6.0 million of subordinated debt.
At Sound Financial Bancorp, Inc. (SFBC), the independent third-party trustee of the Stewart Charitable Remainder Trust sold 900 shares on September 30, 2026, at $45.99 per share. The sale was not at the direction of CEO and director Laura Lee Stewart; it followed trust-agreement instructions under a Rule 10b5-1(c) plan adopted December 10, 2025. The trust held 8,100 shares after the sale. As of September 30, 2026, Stewart also reported 49,602 shares directly, 14,409 through the ESOP, and 18,906 through the 401(k).
Sound Financial Bancorp, Inc. (SFBC) director Debra Jones reported a bona fide gift of 4,920 shares of common stock on 2026-08-18, at a reported price of $0.00 per share. Following this gift, she holds 16,074.51 shares of common stock directly and maintains several stock option positions with expirations from 2030 through 2034.
AllianceBernstein L.P., a Delaware limited partnership, reports beneficial ownership of 215,780 shares of Sound Financial Bancorp Inc. common stock on behalf of client discretionary investment advisory accounts. This position represents 8.4% of the class. AllianceBernstein has sole voting power and sole dispositive power over all 215,780 shares, with no shared voting or dispositive power. The filing states the shares were acquired solely for investment purposes and notes that AllianceBernstein is a majority-owned subsidiary of Equitable Holdings, Inc., but operates under independent management and reports beneficial ownership separately.
Sound Financial Bancorp, Inc. reported stronger profitability for the quarter and six months ended June 30, 2026. Quarterly net income rose to $2.52 million from $2.05 million a year earlier, with diluted EPS of $0.98. For the first half of 2026, net income increased to $4.09 million from $3.22 million, and diluted EPS was $1.59. Net interest income improved while the company recorded a net release of credit loss provisions.
Total assets were about $1.07 billion, down modestly as cash and loans declined and the company added a new $5.0 million CRA-eligible equity investment. Net loans held-for-portfolio were $883.5 million, with construction and land loans growing sharply and commercial and multifamily balances declining. Deposits were $930.9 million, and FHLB advances were fully repaid. Credit quality remained generally sound but nonperforming assets increased to $8.1 million, or 0.76% of assets, and the nonaccrual loan ratio rose to 0.90%. The allowance for credit losses on loans was $8.4 million, representing 0.94% of total loans and covering slightly more than total nonaccrual balances.
Sound Financial Bancorp reported stronger Q2 2026 results, with net income of $2.5 million, or $0.98 diluted EPS, up from $1.6 million, or $0.61, in Q1 2026 and $2.1 million, or $0.79, a year earlier. Annualized return on average assets rose to 0.94% and return on average equity to 9.03%. The Board declared a quarterly cash dividend of $0.21 per share, payable August 21, 2026 to shareholders of record on August 7, 2026.
Net interest income increased to $9.5 million and net interest margin improved to 3.73%, helped by higher loan and investment yields, lower funding costs and the collection of a large prepayment penalty on a commercial loan. Noninterest income grew to $1.5 million, driven by favorable mortgage servicing rights valuation, higher bank-owned life insurance earnings and a dividend from an equity investment. Assets were $1.07 billion, loans held-for-portfolio were $892.0 million and deposits were $930.9 million, producing a 96.0% loans-to-deposits ratio and no FHLB advances outstanding. Credit quality weakened, with nonperforming assets rising to $8.1 million, or 0.76% of assets, though the allowance for credit losses on loans remained 0.94% of total loans and the bank continued to be categorized as well-capitalized.
Sound Financial Bancorp, Inc. director and President & CEO Laura Lee Stewart reported an indirect sale of 900 shares of common stock at $42.60 per share on behalf of the Stewart Charitable Remainder Trust. The filing shows she continues to hold meaningful equity through direct and indirect share ownership and multiple outstanding stock options.
Sound Financial Bancorp director Rogelio Riojas reported a major non-sale transfer of Common Stock. On 2026-06-10 he made a bona fide gift of 28,916 shares to his children for estate, tax and retirement planning purposes. After this gift he directly holds 7,427 Common shares and several stock options to buy additional shares at exercise prices between $32.46 and $42.85, expiring from 2029 through 2034, so he continues to maintain a meaningful equity interest in the company.
Sound Financial Bancorp, Inc. reported the results of its annual shareholder meeting held on May 26, 2026. Shareholders elected David S. Haddad, Jr. and Laura Lee Stewart as directors to terms expiring in 2029. Haddad received 1,611,647 votes for and 89,116 withheld, while Stewart received 1,350,298 votes for and 350,465 withheld, with 504,228 broker non-votes for each nominee.
Shareholders also approved, on an advisory (non-binding) basis, the Company’s executive compensation, with 1,301,081 votes for, 119,353 against, 280,329 abstentions and 504,228 broker non-votes. In addition, shareholders ratified the appointment of Baker Tilly, LLP as independent registered public accounting firm for the year ending December 31, 2026, with 2,135,877 votes for, 66,862 against and 2,252 abstentions.
Sound Financial Bancorp, Inc. reported higher profitability for the quarter ended March 31, 2026. Net income rose to $1.6 million from $1.2 million a year earlier, and diluted earnings per share increased to $0.61 from $0.45, driven mainly by stronger net interest income.
Total assets reached $1.11 billion, with net loans held-for-portfolio up 1.8% to $912.9 million, led by a 43.0% increase in construction and land loans. Deposits grew to $968.5 million, while uninsured deposits were $197.9 million, or 20.4% of total deposits.
Net interest margin improved to 3.51% from 3.25% as loan yields increased. The allowance for credit losses on loans was $8.6 million, or 0.93% of total loans, with net charge-offs near zero. Nonperforming assets rose to $7.5 million, or 0.67% of total assets, mainly from new nonaccrual real estate credits.
The company deployed $5.0 million into a CRA-eligible workforce housing equity investment and modestly reduced mortgage servicing rights to $4.1 million. It also announced a quarterly cash dividend of $0.21 per share and moved to close its Tacoma branch as part of ongoing consolidation.