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Sound Financial Bancorp (SFBC) investor relations material
Sound Financial Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Net income for Q2 2025 rose 158.1% year-over-year to $2.1 million ($0.79 EPS), driven by higher net interest income and lower noninterest expense.
For the six months ended June 30, 2025, net income increased 105.8% year-over-year to $3.2 million, or $1.24 per diluted share.
Board declared a $0.19 per share cash dividend, payable August 25, 2025.
Focused on credit quality, net interest margin improvement, and expense control; resolved three of four largest nonaccrual loans.
Loan portfolio grew 2% sequentially; cost of funds reduced by 5 basis points.
Financial highlights
Net interest income for Q2 2025 increased 24.3% year-over-year to $9.3 million; net interest margin rose to 3.67% from 2.92%.
Interest expense fell 14.1% year-over-year in Q2, mainly due to lower rates on deposits and borrowings.
Noninterest income decreased 3.6% year-over-year, mainly due to lower service charges and loan sale gains, partially offset by higher BOLI earnings.
Noninterest expense declined 0.9% year-over-year, with lower salaries and operations costs offset by higher data processing and occupancy expenses.
Efficiency ratio improved to 73.88% in Q2 2025 from 89.86% a year earlier.
Outlook and guidance
Management expects to continue paying quarterly cash dividends, subject to board discretion.
Liquidity remains strong, with $110.1 million in cash and AFS securities and significant borrowing capacity.
Technology investments are anticipated to drive further efficiencies and expense reductions.
Commercial lending pipeline remains strong, supporting near-term loan growth.
No material changes in risk factors or market risk since the last annual report.
Nonaccrual loan resolution: future yield impact?
NIM expansion drivers: sustainability outlook?
How will future loan growth be funded?
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Next Sound Financial Bancorp earnings date
Q3 202524 Oct, 2025
Next Sound Financial Bancorp earnings date
Q3 202524 Oct, 2025
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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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