<span item_type="fundamental" item_id="d7b6ebe9a6f91d7cdbc2102483a30bf6" counter_id="ST/US/SFBC" env="prod"></span><span item_type="announcement" item_id="543661325634377985" env="prod"></span><p>Revenue: As of FY2025 Q2, the actual value is USD 14.92 M.</p><p>EPS: As of FY2025 Q2, the actual value is USD 0.79.</p><p>EBIT: As of FY2025 Q2, the actual value is USD 2.54 M.</p><p></p><h3>Net Income</h3><p>Net income for the quarter ended June 30, 2025, was $2.1 million, compared to $1.2 million for the quarter ended March 31, 2025, and $795 thousand for the quarter ended June 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1541119/000154111925000031/a06302025earningsrelease-e.htm"></span></p><h3>Net Interest Income</h3><p>Net interest income increased by $1.2 million or 14.7% to $9.3 million for the quarter ended June 30, 2025, from $8.1 million for the quarter ended March 31, 2025, and increased $1.8 million or 24.3% from $7.4 million for the quarter ended June 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1541119/000154111925000031/a06302025earningsrelease-e.htm"></span></p><h3>Net Interest Margin</h3><p>The annualized net interest margin was 3.67% for the quarter ended June 30, 2025, compared to 3.25% for the quarter ended March 31, 2025, and 2.92% for the quarter ended June 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1541119/000154111925000031/a06302025earningsrelease-e.htm"></span></p><h3>Loans and Deposits</h3><p>Loans held-for-portfolio increased by $18.1 million or 2.0% to $904.3 million at June 30, 2025, compared to $886.2 million at March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1541119/000154111925000031/a06302025earningsrelease-e.htm"></span> Total deposits decreased by $10.9 million or 1.2% to $899.5 million at June 30, 2025, from $910.3 million at March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1541119/000154111925000031/a06302025earningsrelease-e.htm"></span></p><h3>Noninterest Income and Expense</h3><p>Total noninterest income increased by $22 thousand or 2.0% to $1.1 million for the quarter ended June 30, 2025, compared to the quarter ended March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1541119/000154111925000031/a06302025earningsrelease-e.htm"></span> Total noninterest expense decreased by $249 thousand or 3.1% to $7.7 million for the quarter ended June 30, 2025, compared to the quarter ended March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1541119/000154111925000031/a06302025earningsrelease-e.htm"></span></p><h3>Credit Quality</h3><p>Total nonperforming loans decreased by $6.3 million or 65.1% to $3.4 million at June 30, 2025, from $9.7 million at March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1541119/000154111925000031/a06302025earningsrelease-e.htm"></span></p><h3>Outlook / Guidance</h3><p>The company expects the decline in funding costs, driven by earlier rate cuts by the Federal Reserve, to continue at a more gradual pace.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1541119/000154111925000031/a06302025earningsrelease-e.htm"></span> Benefits from prior technology investments are expected to drive further efficiencies as the company grows.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1541119/000154111925000031/a06302025earningsrelease-e.htm"></span></p>

Sound Financial Bancorp | 8-K: FY2025 Q2 Revenue: USD 14.92 M