Sound Financial Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	138.45	43.64	49.69	57.84	183.59
Securities and Investments	9.59	9.92	10.45	12.41	8.42
Other Earning Assets	0.54	0.49	0.6	-	3.09
Gross Loans	905.53	900.17	894.48	865.98	686.4
Allowance for Loan Losses	-8.61	-8.5	-8.76	-7.6	-6.31
Net Loans	896.93	891.67	885.72	858.38	680.09
Net Property, Plant & Equipment	7.66	8.42	9.74	10.62	11.63
Accrued Interest and Accounts Receivable	3.77	3.47	3.45	3.08	2.22
Other Intangible Assets	4.18	4.77	4.63	4.69	4.27
Long-Term Investments	24.39	24.22	24.26	24.15	22.14
Other Non-Earning Assets	6.66	7.03	6.68	5.2	4.24
Total Assets	1,092	993.63	995.22	976.35	919.69
Interest-bearing deposits	816.31	705.27	699.81	635.57	607.85
Noninterest-bearing deposits	132.57	132.53	126.73	173.2	190.47
Total Deposits	948.88	837.8	826.54	808.76	798.32
Short-Term Interbank Borrowing and Repurchase Agreements	10	25	40	43	-
Accrued Expenses	2.06	2.03	1.93	1.44	1.57
Long-Term Debt	7.8	11.76	11.72	11.68	11.63
Other Liabilities	14.04	13.38	14.38	13.77	14.81
Total Liabilities	982.77	889.97	894.57	878.65	826.33
Common Stock	0.03	0.03	0.03	0.03	0.03
Additional Paid-in Capital	28.74	28.41	27.99	28	27.96
Accumulated Other Comprehensive Income	-0.85	-1.04	-0.99	-1.12	0.14
Retained Earnings	81.48	76.27	73.63	70.79	65.24
Shareholders' Equity	109.4	103.67	100.65	97.71	93.36
Total Liabilities & Equity	1,092	993.63	995.22	976.35	919.69
Total Debt	7.8	11.76	11.72	11.68	11.63
Net Cash (Debt)	-7.8	-11.76	-11.72	-11.68	-11.63
Net Cash Per Share	-	-4.58	-4.54	-4.47	-4.43
Book Value	109.4	103.67	100.65	97.71	93.36
Book Value Per Share	-	40.40	38.99	37.39	35.54
Tangible Book Value	105.22	98.9	96.02	93.02	89.09
Tangible Book Value Per Share	-	38.54	37.19	35.59	33.92

Updated Jan 27, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q