Sound Financial Bancorp, Inc.
Sound Financial Bancorp, Inc. (NASDAQ: SFBC) operates as a bank holding company through its wholly owned subsidiary, Sound Community Bank, a Washington state-chartered commercial bank. The company provides comprehensive financial services to retail and commercial customers across the Seattle Metropolitan Statistical… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Sound Financial Bancorp, Inc. does
In the company’s own words
Sound Financial Bancorp, Inc. (NASDAQ: SFBC) operates as a bank holding company through its wholly owned subsidiary, Sound Community Bank, a Washington state-chartered commercial bank. The company provides comprehensive financial services to retail and commercial customers across the Seattle Metropolitan Statistical Area, including King, Pierce, and Snohomish counties, as well as Clallam and Jefferson counties on Washington's North Olympic Peninsula.
The company's primary business involves attracting retail and commercial deposits and deploying those funds through a diversified loan portfolio. As of December 31, 2025, Sound Financial Bancorp maintained total consolidated assets of $1.1 billion, including $905.5 million in loans held-for-portfolio and $948.9 million in deposits. The loan portfolio reflects a balanced approach across multiple segments: one-to-four family residential mortgages represent 28.1 percent of loans, commercial and multifamily real estate comprises 45.1 percent, consumer loans account for 16.1 percent, construction and land loans represent 5.5 percent, and commercial business loans constitute 1.7 percent.
A significant portion of residential mortgage originations are sold to Fannie Mae and other correspondents, with servicing typically retained to maintain customer relationships and generate noninterest income. The company retains non-conforming loans and jumbo mortgages that exceed secondary market limits. Sound Financial Bancorp also originates commercial real estate loans, construction loans, and consumer products including manufactured home loans, floating home loans, and various secured and unsecured consumer lending products.
The company operates through nine branch locations and a loan production office, serving a diverse market area encompassing technology workers, aerospace employees, healthcare professionals, and government workers. Sound Financial Bancorp also operates Sound Community Insurance Agency, Inc., a wholly owned subsidiary providing insurance products and services to consumers. The company maintains stockholders' equity of $109.4 million and operates under regulation by the Federal Reserve as a bank holding company, with the Bank regulated by the Washington State Department of Financial Institutions and the Federal Deposit Insurance Corporation.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- SEATTLE, WA
- Fiscal year end
- December
- CIK
- 1541119
- SIC
- 6035
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Sound Financial Bancorp, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Sound Financial Bancorp, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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