Sound Financial Bancorp, Inc. (SFBC)

Sound Financial Bancorp Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	112.75	138.45	43.64	49.69	57.84	183.59
Investment Securities	13.85	6.19	6.08	6.23	7.72	6.07
Mortgage-Backed Securities	-	3.41	3.84	4.22	4.69	2.35
Total Investments	13.85	9.59	9.92	10.45	12.41	8.42
Gross Loans	880.5	908.27	902.55	896.99	868.53	688.77
Allowance for Loan Losses	-8.17	-8.61	-8.5	-8.76	-7.6	-6.31
Other Adjustments to Gross Loans	-2.5	-2.74	-2.37	-2.51	-2.55	-2.37
Net Loans	869.83	896.93	891.67	885.72	858.38	680.09
Property, Plant & Equipment	6.72	7.66	8.42	9.74	10.62	11.63
Other Intangible Assets	-	-	-	-	0.07	0.1
Loans Held for Sale	0.28	0.54	0.49	0.6	-	3.09
Accrued Interest Receivable	3.78	3.77	3.47	3.45	3.08	2.22
Other Real Estate Owned & Foreclosed	0.08	0.34	-	0.58	0.66	0.66
Other Long-Term Assets	34.64	33.82	34.29	32.6	30.47	28.85
Total Assets	1,043	1,092	993.63	995.22	976.35	919.69

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	778.27	703.91	614.37	611.51	579.47	588.75
Institutional Deposits	-	112.4	90.9	88.3	56.1	19.1
Non-Interest Bearing Deposits	128.42	132.57	132.53	126.73	173.2	190.47
Total Deposits	906.69	948.88	837.8	826.54	808.76	798.32
Short-Term Borrowings	-	-	-	15	43	-
Current Portion of Leases	-	1.16	-	-	-	-
Accrued Interest Payable	0.62	0.67	0.77	0.82	0.4	0.2
Long-Term Debt	5.83	7.8	11.76	11.72	11.68	11.63
Federal Home Loan Bank Debt, Long-Term	-	10	25	25	-	-
Long-Term Leases	2.84	2.51	4.01	4.82	5.45	6.24
Other Long-Term Liabilities	12.61	11.75	10.63	10.67	9.36	9.94
Total Liabilities	928.59	982.77	889.97	894.57	878.65	826.33

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	0.03	0.03	0.03	0.03	0.03	0.03
Additional Paid-In Capital	28.9	28.74	28.41	27.99	28	27.96
Retained Earnings	86.28	81.48	76.27	73.63	70.79	65.24
Comprehensive Income & Other	-1.2	-0.85	-1.04	-0.99	-1.12	0.14
Shareholders' Equity	114	109.4	103.67	100.65	97.71	93.36
Total Liabilities & Equity	1,043	1,092	993.63	995.22	976.35	919.69

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	8.67	21.47	40.77	56.54	60.12	17.88
Net Cash (Debt)	104.08	116.98	2.87	-6.85	-2.29	165.71
Net Cash Growth	72.26%	3977.41%	-	-	-	-5.36%
Net Cash Per Share	40.34	45.40	1.12	-2.65	-0.88	63.09
Filing Date Shares Outstanding	2.56	2.56	2.55	2.54	2.58	2.61
Total Common Shares Outstanding	2.56	2.56	2.55	2.53	2.57	2.6
Book Value Per Share	44.53	42.76	40.69	39.73	38.08	35.96
Tangible Book Value	114	109.4	103.67	100.65	97.64	93.26
Tangible Book Value Per Share	44.53	42.76	40.69	39.73	38.05	35.92

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 2, 2026

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