Every 10-Q that Sound Financial Bancorp, Inc. (SFBC) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, 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. 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, 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.
Sound Financial Bancorp (SFBC) reported Q3 2025 results. Net income was $1.7M with diluted EPS of $0.66, up from $1.154M a year ago. Net interest income rose to $8.94M as interest expense declined to $5.71M. Noninterest expense was $7.68M. For the nine months, net income reached $4.91M and diluted EPS was $1.90.
Total assets were $1.06B and deposits were $898.9M at September 30, 2025. Loans held-for-portfolio were $909.7M with an allowance for credit losses of $8.56M. Cash and cash equivalents increased to $101.2M. Stockholders’ equity was $107.5M, including accumulated other comprehensive loss of $0.96M.
Credit metrics improved: nonaccrual loans declined to $2.72M from $7.49M at year-end 2024, while past-due loans totaled $7.32M. The Company recorded a small provision for credit losses of $55K in Q3 and $22K year-to-date, alongside a negative fair value adjustment on mortgage servicing rights of $372K in Q3.