Company: SFBC
Filing Date: 2025-08-12
Form Type: 10-Q
Source: 0001541119-25-000034
Chunk: 93

Company: Sound Financial Bancorp, Inc.
Filing Date: 2025-08-12
Form: 10-Q
Item: Item 8
Chunk 93
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Other consumer:Pass$2,273 $3,297 $622 $3,615 $5,387 $1,925 $618 $— $17,737 Substandard— — — 1 — — — — 1 Total other consumer$2,273 $3,297 $622 $3,616 $5,387 $1,925 $618 — $17,738 Commercial business:Pass$314 $1,256 $1,811 $3,032 $257 $3,895 $4,862 $— $15,427 Substandard38 — — — — 11 188 — 237 Total commercial business$352 $1,256 $1,811 $3,032 $257 $3,906 $5,050 $— $15,664 Total loansPass$123,283 $92,046 $198,777 $246,227 $49,657 $123,000 $20,058 $1,069 $854,117 Special mention— — 17,349 — — 1,375 — — 18,724 Substandard38 427 2,679 5,880 2,165 15,653 422 66 27,330 Total loans$123,321 $92,473 $218,805 $252,107 $51,822 $140,028 $20,480 $1,135 $900,171 

17

Nonaccrual and Past Due Loans.  Loans are considered past due if the required principal and interest payments were not received as of the dates such payments were due.  The following table presents the amortized cost of nonaccrual loans as of the dates indicated, by type of loan (in thousands): June 30, 2025December 31, 2024Total NonaccrualLoansTotal NonaccrualLoanswith no ACLTotal NonaccrualLoansTotal NonaccrualLoanswith no ACLOne-to-four family$1,423 $1,423 $537 $537 Home equity359 359 298 298 Commercial and multifamily