Here are the 10-K annual reports from Sound Financial Bancorp, Inc. (SFBC) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow SFBC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full SFBC filings page.
Sound Financial Bancorp, Inc. reports a community banking profile centered on the Seattle and Olympic Peninsula markets, with total consolidated assets of $1.1 billion at December 31, 2025. The balance sheet includes $905.5 million of loans held-for-portfolio, deposits of $948.9 million and stockholders’ equity of $109.4 million.
The loan portfolio is diversified across real estate and consumer credit, led by commercial and multifamily real estate at $409.7 million (45.1% of loans), one-to-four family mortgages at $253.8 million (28.1%) and construction and land at $50.3 million (5.5%). Consumer lending totals $147.0 million (16.1%), heavily weighted to floating homes and manufactured homes.
Asset quality metrics show nonaccrual loans of $5.8 million, or 0.64% of total loans, and total nonperforming assets of $6.1 million, or 0.56% of total assets. The allowance for credit losses on loans is $8.6 million, equal to 0.95% of total loans and 148.82% of nonaccrual loans, with net charge-offs of $106 thousand for 2025.