Sound Financial Bancorp, Inc. reported a net income of $2.2 million for the quarter ended December 31, 2025, with diluted earnings per share of $0.87. The company also declared a cash dividend of $0.21 per share. Total assets increased to $1.09 billion, with loans held-for-portfolio at $905.5 million and total deposits at $948.9 million. Nonperforming loans increased to $5.8 million, while net interest margin was 3.36% for the quarter. The company’s annual return on average assets was 0.84% and annual return on average equity was 8.19%.

The Company’s total noninterest income for the quarter was $867 thousand, with service charges and fee income, earnings on bank-owned life insurance, and mortgage servicing income contributing to the revenue. Total noninterest expense decreased to $6.8 million, with reductions in salaries and benefits, regulatory assessments, and data processing costs. Net interest margin for the quarter was reported at 3.36%. The Company’s net charge-offs for the quarter were $27 thousand, with a provision for credit losses of $104 thousand.

Sound Financial Bancorp, Inc. maintained a strong capital position, with stockholders’ equity totaling $109.4 million. The Company’s book value per share was $42.60, with basic earnings per share at $0.87 for the quarter. Total loans held-for-portfolio, net was $896.9 million, with an allowance for credit losses on loans at 0.95%. Noninterest-bearing deposits accounted for 13.97% of total deposits. Total nonperforming assets were $6.1 million, with nonperforming loans at 0.64% of total loans.

For more information, investors can contact Wes Ochs, President and CFO, at (206) 436-8587, or media inquiries can be directed to Laurie Stewart, CEO, at (206) 436-1495.

Read more at GlobeNewswire: Sound Financial Bancorp, Inc. Q4 2025 Results