--- title: "Sound Financial Bancorp | 8-K: FY2026 Q2 Revenue: USD 11.02 M" type: "News" locale: "en" url: "https://longbridge.com/en/news/294291900.md" datetime: "2026-07-30T02:36:53.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/294291900.md) - [en](https://longbridge.com/en/news/294291900.md) - [zh-HK](https://longbridge.com/zh-HK/news/294291900.md) generator: "portal-rs" --- # Sound Financial Bancorp | 8-K: FY2026 Q2 Revenue: USD 11.02 M Revenue: As of FY2026 Q2, the actual value is USD 11.02 M. EPS: As of FY2026 Q2, the actual value is USD 0.98. EBIT: As of FY2026 Q2, the actual value is USD 3.115 M. #### Dividend Declaration Sound Financial Bancorp, Inc. declared a cash dividend of $0.21 per share on its common stock, payable on August 21, 2026, to stockholders of record as of August 07, 2026. #### Net Income Net income for the quarter ended June 30, 2026, was $2.5 million, an increase from $1.6 million for the quarter ended March 31, 2026, and $2.1 million for the quarter ended June 30, 2025. For the six months ended June 30, 2026, net income was $4,091 thousand, up from $3,219 thousand for the same period in 2025. #### Net Interest Income Net interest income increased by $459 thousand or 5.1% to $9.5 million for the quarter ended June 30, 2026, compared to $9.0 million in the prior quarter. Compared to the quarter ended June 30, 2025, net interest income increased by $251 thousand or 2.7% from $9.3 million. For the six months ended June 30, 2026, net interest income was $18,552 thousand, up from $17,327 thousand for the same period in 2025. #### Net Interest Margin (NIM) Annualized NIM was 3.73% for the quarter ended June 30, 2026, an increase from 3.51% in the prior quarter and 3.67% for the quarter ended June 30, 2025. #### Noninterest Income Total noninterest income increased by $604 thousand or 66.4% to $1.5 million for the quarter ended June 30, 2026, compared to $910 thousand in the prior quarter. From the quarter ended June 30, 2025, noninterest income increased by $394 thousand or 35.2% from $1,120 thousand. For the six months ended June 30, 2026, total noninterest income was $2,422 thousand, compared to $2,216 thousand for the same period in 2025. #### Noninterest Expense Total noninterest expense increased by $254 thousand or 3.2% to $8.1 million for the quarter ended June 30, 2026, compared to $7.9 million in the prior quarter. Compared to the quarter ended June 30, 2025, noninterest expense increased by $463 thousand or 6.0% from $7.7 million. For the six months ended June 30, 2026, total noninterest expense was $16,002 thousand, compared to $15,578 thousand for the same period in 2025. #### Total Assets Total assets decreased by $46.3 million or 4.2% to $1.07 billion at June 30, 2026, from $1.11 billion at March 31, 2026. However, total assets increased by $7.5 million or 0.7% from $1.06 billion at June 30, 2025. #### Loans held-for-portfolio Loans held-for-portfolio decreased by $29.5 million or 3.2% to $892.0 million at June 30, 2026, compared to $921.5 million at March 31, 2026, and decreased by $12.3 million or 1.4% compared to $904.3 million at June 30, 2025. #### Total Deposits Total deposits decreased by $37.6 million or 3.9% to $930.9 million at June 30, 2026, from $968.5 million at March 31, 2026. Total deposits increased by $31.4 million or 3.5% from $899.5 million at June 30, 2025. #### Noninterest-bearing deposits Noninterest-bearing deposits were $129.3 million at June 30, 2026, representing a decrease of $1.8 million or 1.3% from March 31, 2026, but an increase of $5.1 million or 4.1% from June 30, 2025. #### Loans-to-deposits ratio The loans-to-deposits ratio was 96.0% at June 30, 2026, compared to 95.4% at March 31, 2026, and 100.8% at June 30, 2025. #### Provision for Credit Losses A release of provision for credit losses of - $223 thousand was recorded for Q2 2026, compared to a provision of $123 thousand for Q1 2026, and $170 thousand for Q2 2025. #### Nonperforming Loans (NPLs) Nonperforming loans increased by $676 thousand or 9.2% to $8.1 million at June 30, 2026, from $7.4 million at March 31, 2026, and increased by $4.7 million or 139.3% from $3.4 million at June 30, 2025. #### Nonperforming Assets (NPAs) Nonperforming assets increased by $624 thousand or 8.3% to $8.1 million at June 30, 2026, from $7.5 million at March 31, 2026, and increased by $4.4 million or 121.0% from $3.7 million at June 30, 2025. #### NPAs to Total Assets The ratio of NPAs to total assets was 0.76% at June 30, 2026, compared to 0.67% at March 31, 2026, and 0.35% at June 30, 2025. #### Allowance for credit losses on loans to total loans outstanding The allowance for credit losses on loans to total loans outstanding remained at 0.94% at June 30, 2026, March 31, 2026, and June 30, 2025. #### Stockholders’ equity Stockholders’ equity totaled $112.6 million at June 30, 2026, an increase of $2.2 million or 2.0% from $110.4 million at March 31, 2026, and an increase of $6.6 million or 6.2% from $106.0 million at June 30, 2025. #### Cash Flow The report does not provide specific operating or free cash flow figures; however, cash and cash equivalents decreased by $17.9 million or 13.0% to $120.1 million at June 30, 2026, compared to $138.0 million at March 31, 2026. #### Outlook / Guidance Sound Financial Bancorp, Inc. is focused on achieving profitable growth, enhancing operating efficiency, and prudently deploying capital while maintaining robust liquidity and capital ratios. The company aims to improve financial performance despite economic uncertainties, inflation, and interest rate concerns among clients. 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