Sound Financial Bancorp, Inc. (SFBC)

Sound Financial Bancorp Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	102.54	43.64	49.69	57.84	183.59	193.83
Investment Securities	5.92	6.08	6.23	7.72	6.07	5.41
Mortgage-Backed Securities	3.72	3.84	4.22	4.69	2.35	4.81
Total Investments	9.63	9.92	10.45	12.41	8.42	10.22
Gross Loans	906.87	902.55	896.99	868.53	688.77	615.5
Allowance for Loan Losses	-8.54	-8.5	-8.76	-7.6	-6.31	-6
Other Adjustments to Gross Loans	-2.58	-2.37	-2.51	-2.55	-2.37	-2.14
Net Loans	895.75	891.67	885.72	858.38	680.09	607.36
Property, Plant & Equipment	8.43	8.42	9.74	10.62	11.63	12.99
Other Intangible Assets	-	-	-	0.07	0.1	0.13
Loans Held for Sale	2.03	0.49	0.6	-	3.09	11.6
Accrued Interest Receivable	3.66	3.47	3.45	3.08	2.22	2.25
Other Real Estate Owned & Foreclosed	0.3	-	0.58	0.66	0.66	0.59
Other Long-Term Assets	34.17	34.29	32.6	30.47	28.85	21.54
Total Assets	1,058	993.63	995.22	976.35	919.69	861.4
Interest Bearing Deposits	670.76	614.37	611.51	579.47	588.75	535.59
Institutional Deposits	104.5	90.9	88.3	56.1	19.1	79.9
Non-Interest Bearing Deposits	124.2	132.53	126.73	173.2	190.47	132.49
Total Deposits	899.46	837.8	826.54	808.76	798.32	747.98
Short-Term Borrowings	15	-	15	43	-	-
Current Portion of Leases	1.19	1.02	-	-	-	-
Accrued Interest Payable	0.63	0.77	0.82	0.4	0.2	0.37
Long-Term Debt	11.78	11.76	11.72	11.68	11.63	11.59
Federal Home Loan Bank Debt, Long-Term	10	25	25	-	-	-
Long-Term Leases	3.03	2.99	4.82	5.45	6.24	7.13
Other Long-Term Liabilities	11.15	10.63	10.67	9.36	9.94	8.84
Total Liabilities	952.24	889.97	894.57	878.65	826.33	775.92
Common Stock	0.03	0.03	0.03	0.03	0.03	0.03
Additional Paid-In Capital	28.59	28.41	27.99	28	27.96	27.11
Retained Earnings	78.52	76.27	73.63	70.79	65.24	58.23
Comprehensive Income & Other	-1.13	-1.04	-0.99	-1.12	0.14	0.13
Shareholders' Equity	106	103.67	100.65	97.71	93.36	85.48
Total Liabilities & Equity	1,058	993.63	995.22	976.35	919.69	861.4
Total Debt	40.99	40.77	56.54	60.12	17.88	18.73
Net Cash (Debt)	61.55	2.87	-6.85	-2.29	165.71	175.1
Net Cash Growth	-22.13%	-	-	-	-5.36%	528.51%
Net Cash Per Share	23.89	1.12	-2.65	-0.88	63.09	67.54
Filing Date Shares Outstanding	2.55	2.55	2.54	2.58	2.61	2.57
Total Common Shares Outstanding	2.55	2.55	2.53	2.57	2.6	2.56
Book Value Per Share	41.59	40.69	39.73	38.08	35.96	33.34
Tangible Book Value	106	103.67	100.65	97.64	93.26	85.36
Tangible Book Value Per Share	41.59	40.69	39.73	38.05	35.92	33.29

Updated Jul 29, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q