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Sound Financial Bancorp
Sound Financial Bancorp (SFBC) investor relations material
Sound Financial Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Net income for Q4 2025 was $2.2 million ($0.87 diluted EPS), up from $1.7 million ($0.66 EPS) in Q3 2025 and $1.9 million ($0.74 EPS) in Q4 2024.
Board declared a $0.21 per share cash dividend, payable February 23, 2026.
Year-end results reflect disciplined expense control, improved liquidity, and operational progress despite a weak mortgage market.
Financial highlights
Total assets rose to $1.09 billion, up 3.0% sequentially and 9.9% year-over-year.
Net interest income for Q4 2025 was $8.7 million, down 3.1% sequentially but up 5.4% year-over-year.
Net interest margin was 3.36%, down from 3.48% in Q3 2025 but up from 3.13% in Q4 2024.
Total deposits increased 5.6% sequentially and 13.3% year-over-year to $948.9 million.
Loans held-for-portfolio decreased 0.5% sequentially but increased 0.6% year-over-year to $905.5 million.
Noninterest income fell 1.6% sequentially and 25.3% year-over-year, mainly due to lower mortgage servicing rights valuation and ITM disposal losses.
Noninterest expense decreased 10.9% sequentially and 3.1% year-over-year, driven by lower salaries, benefits, and regulatory assessments.
Outlook and guidance
Management expects most deposits to reprice in the first half of 2026 while funding a growing commercial loan pipeline.
Operational improvements and cost controls are expected to support loan growth and margin performance in 2026.
Explain the significant ACL/NPL ratio decline
Subordinated debt cost doubled. Future NIM impact
Loan portfolio declined. Detail commercial pipeline
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Next Sound Financial Bancorp earnings date
Q1 202628 Apr, 2026
Sound Financial Bancorp
Next Sound Financial Bancorp earnings date
Q1 202628 Apr, 2026
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Frequently asked questions
Sound Financial Bancorp, Inc. is a bank holding company that operates primarily through its subsidiary, Sound Community Bank. The company provides a range of financial services and products to individual and business customers. These services include personal and business banking, mortgage lending, commercial real estate financing, and other related banking activities. Sound Financial Bancorp serves customers in Washington state, with a focus on community-oriented banking solutions that cater to the specific needs of the local population. The company is headquartered in Seattle, Washington, and its shares are listed on the NASDAQ.
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