Company: SFBC
Filing Date: 2025-03-18
Form Type: 10-K
Source: 0001541119-25-000009
Chunk: 163

Company: Sound Financial Bancorp, Inc.
Filing Date: 2025-03-18
Form: 10-K
Item: Item 8
Chunk 163
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 $— $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 

87

At December 31, 2023Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisRevolving Loans Amortized Cost BasisConverted to Term20232022202120202019PriorTotalOne-to-four family:Pass$26,272 $84,467 $110,488 $16,126 $13,029 $28,139 $— $— $278,521 Substandard— 259 119 — 260 553 — — 1,191 Total one-to-four family$26,272 $84,726 $110,607 $16,126 $13,289 $28,692 $— $— $279,712 Home equity:Pass$3,963 $2,783 $1,072