Company: SFBC
Filing Date: 2025-03-18
Form Type: 10-K
Source: 0001541119-25-000009
Chunk: 165

Company: Sound Financial Bancorp, Inc.
Filing Date: 2025-03-18
Form: 10-K
Item: Item 8
Chunk 165
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$6,471 $1,865 $9,867 $— $— $74,733 Other consumer:Pass$4,629 $1,845 $3,884 $5,883 $598 $2,237 $539 $— $19,615 Total other consumer$4,629 $1,845 $3,884 $5,883 $598 $2,237 $539 — $19,615 Commercial business:Pass$987 $437 $3,564 $400 $227 $5,848 $6,854 $— $18,317 Substandard2,128 53 204 — — — 40 — 2,425 Total commercial business$3,115 $490 $3,768 $400 $227 $5,848 $6,894 $— $20,742 Total loansPass$111,527 $248,307 $279,786 $55,040 $48,312 $113,616 $20,375 $— $876,963 Special mention— — — 3,365 — 350 — — 3,715 Substandard2,243 1,394 323 1,339 6,169 1,845 485 2 13,800 Total loans$113,770 $249,701 $280,109 $59,744 $54,481 $115,811 $20,860 $2 $894,478 

88

Nonaccrual and Past Due Loans. Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due.  The following table presents the amortized cost of nonaccrual loans at December 31, 2024 and 2023, by type of loan (in thousands): December 31, 2024December 31, 2023Total NonaccrualLoansTotal NonaccrualLoanswith no ACLTotal NonaccrualLoansTotal NonaccrualLoanswith no ACLOne-to-four family$537 $537 $1,108 $848 Home equity298 298 84 84 Commercial