Company: SFBC
Filing Date: 2025-05-13
Form Type: 10-Q
Source: 0001541119-25-000023
Chunk: 41

Company: Sound Financial Bancorp, Inc.
Filing Date: 2025-05-13
Form: 10-Q
Item: Item 1
Chunk 41
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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 

15

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): March 31, 2025December 31, 2024Total NonaccrualLoansTotal NonaccrualLoanswith no ACLTotal NonaccrualLoansTotal NonaccrualLoanswith no ACLOne-to-four family$762 $762 $537 $537 Home equity368 368 298 298 Commercial and multifamily5,627 5,627 3,734 3,734 Construction and land22 22 24 24 Manufactured homes501 501 521 521 Floating homes2,363 2,363 2,363 2,363 Other consumer10 9 3 1 Commercial business— — 11 11 Total$9,653 $9,652 $7,491 $7,489 The following tables present the aging of past due loans, based on amortized cost, as of the dates