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Sound Financial Bancorp (SFBC) investor relations material
Sound Financial Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Total assets increased 6.7% to $1.06 billion at September 30, 2025, driven by higher cash balances and loan growth.
Net income for Q3 2025 was $1.7 million, up 46.9% year-over-year, with diluted EPS of $0.66.
Board declared a $0.19 per share cash dividend, payable November 21, 2025.
Net interest income increased 13.6% in Q3 and 15.3% year-to-date, reflecting higher loan yields and lower funding costs.
Management highlighted stable operating expenses, improved net interest margin, and strong credit quality despite economic uncertainty.
Financial highlights
Loans held-for-portfolio, net, grew to $909.7 million, with commercial and multifamily loans up 10.0%.
Deposits were $898.9 million at quarter-end, mainly due to the return of reciprocal deposits.
Nonperforming assets fell 59.1% to $3.1 million, or 0.29% of total assets.
Net interest margin improved to 3.48% in Q3 2025 from 2.98% a year ago.
Noninterest income declined due to lower mortgage servicing rights valuation.
Outlook and guidance
Management expects to continue paying quarterly cash dividends, subject to board discretion.
No material adverse liquidity or capital events are anticipated; strong liquidity and borrowing capacity are maintained.
Management expects continued solid asset quality and operational efficiencies from technology investments.
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Next Sound Financial Bancorp earnings date
Q4 202528 Jan, 2026
Next Sound Financial Bancorp earnings date
Q4 202528 Jan, 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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