Sound Financial Bancorp (SFBC) investor relations material

Executive summary

• Net income for Q2 2026 was $2.5 million ($0.98 diluted EPS), up from $1.6 million in Q1 2026 and $2.1 million in Q2 2025.

• Board declared a $0.21 per share cash dividend, payable August 21, 2026.

• Focused on profitability, liquidity, and prudent capital deployment amid economic uncertainty and inflation.

Financial highlights

• Total assets at June 30, 2026 were $1.07 billion, down 4.2% from Q1 2026, up 0.7% year-over-year.

• Loans held-for-portfolio decreased 3.2% sequentially and 1.4% year-over-year to $892.0 million.

• Total deposits fell 3.9% sequentially but rose 3.5% year-over-year to $930.9 million.

• Net interest income rose 5.1% sequentially and 2.7% year-over-year to $9.5 million.

• Noninterest income increased 66.4% sequentially and 35.2% year-over-year to $1.5 million.

• Noninterest expense increased 3.2% sequentially and 6.0% year-over-year to $8.1 million.

Outlook and guidance

• Management remains focused on profitable growth, operating efficiency, and maintaining strong liquidity and capital ratios.

• Continued emphasis on prudent capital deployment and balance sheet optimization.