Company: SFBC
Filing Date: 2025-08-12
Form Type: 10-Q
Source: 0001541119-25-000034
Chunk: 114

Company: Sound Financial Bancorp, Inc.
Filing Date: 2025-08-12
Form: 10-Q
Item: Item 8
Chunk 114
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 dates and periods indicated and the components of each ratio's calculation (dollars in thousands).

 At June 30, 2025At December 31, 2024ACL - loans as a percentage of total loans outstanding0.94 %0.94 %ACL — loans$8,536 $8,499 Total loans outstanding$906,207 $901,827 Nonaccrual loans as a percentage of total loans outstanding0.37 %0.83 %Total nonaccrual loans$3,366 $7,491 Total loans outstanding$906,207 $901,827 ACL - loans as a percentage of nonaccrual loans253.59 %113.46 %ACL — loans$8,536 $8,499 Total nonaccrual loans$3,366 $7,491 ACL as a percentage of total loans outstanding0.96 %0.97 %ACL$8,658 $8,733 Total loans outstanding$906,207 $901,827 ACL as a percentage of nonaccrual loans257.22 %116.58 %ACL$8,658 $8,733 Total nonaccrual loans$3,366 $7,491 

33

Three Months Ended June 30,Six Months Ended June 30,2025202420252024($ in thousands)Net recoveries (charge-offs) during period to average loans outstanding:One-to-four family:— %— %— %— %Net (charge-offs)/recoveries$— $— $— $— Average loans outstanding$261,685 $273,597 $264,318 $276,034 Home equity:— %— %— %— %Net (charge-offs)/recoveries$— $— $— $— Average loans outstanding$28,514 $25,442 $28,041 $24,371 Commercial and multifamily real estate:— %— %— %— %Net (charge-offs)/recoveries$— $— $— $— Average loans outstanding$395,683 $328,496 $386,853 $320,818 Construction and land:— %— %— %— %Net (charge-offs)/recover