- Sound Financial Bancorp, Inc. reported **net income of $1.7 million**, or **$0.66 diluted earnings per share**, for Q3 2025, compared to $2.1 million, or $0.79 diluted EPS, in Q2 2025 and $1.2 million, or $0.45 diluted EPS, in Q3 2024.  **[1541119_0001541119-25-000039_a09302025earningsrelease-e.htm:1]** 
- The company's Board of Directors declared a **cash dividend of $0.19 per share**, payable on November 21, 2025.  **[1541119_0001541119-25-000039_a09302025earningsrelease-e.htm:1]** 
- **Net interest income decreased 3.4% to $8.9 million** for Q3 2025 from Q2 2025, but **increased 13.6% from Q3 2024**.  **[1541119_0001541119-25-000039_a09302025earningsrelease-e.htm:1]** **[1541119_0001541119-25-000039_a09302025earningsrelease-e.htm:4]**  The **net interest margin (NIM) was 3.48%** for Q3 2025.  **[1541119_0001541119-25-000039_a09302025earningsrelease-e.htm:1]** **[1541119_0001541119-25-000039_a09302025earningsrelease-e.htm:17]** 
- **Total assets increased 0.2% to $1.06 billion** at September 30, 2025, from June 30, 2025.  **[1541119_0001541119-25-000039_a09302025earningsrelease-e.htm:1]** **[1541119_0001541119-25-000039_a09302025earningsrelease-e.htm:10]**  **Loans held-for-portfolio grew 0.6% to $909.7 million**  **[1541119_0001541119-25-000039_a09302025earningsrelease-e.htm:1]** **[1541119_0001541119-25-000039_a09302025earningsrelease-e.htm:10]** , while **total deposits decreased 0.1% to $898.9 million**.  **[1541119_0001541119-25-000039_a09302025earningsrelease-e.htm:1]** **[1541119_0001541119-25-000039_a09302025earningsrelease-e.htm:13]** 
- **Nonperforming assets (NPAs) decreased 16.5% to $3.1 million** at September 30, 2025, from June 30, 2025, and **NPAs to total assets stood at 0.29%**.  **[1541119_0001541119-25-000039_a09302025earningsrelease-e.htm:10]**

Sound Financial Bancorp (SFBC)