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Sound Financial Bancorp, Inc.

For the period ended Dec 31, 2025. Filed Mar 18, 2026.

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About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 18, 2026

SFBC$45.06+0.1%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Item 6. [Reserved]

Item 7.Management's Discussion and Analysis of Financial Condition and Results of Operations51
Item 7A.Quantitative and Qualitative Disclosures About Market Risk66
Item 8.Financial Statements and Supplementary Data68
Item 9.Changes in and Disagreements with Accountants on Accounting and Financial Disclosure113
Item 9A.Controls and Procedures113
Item 9B.Other Information114
Item 9C.Disclosure Regarding Foreign Jurisdictions that Prevent Inspections114
PART III
Item 10.Directors, Executive Officers and Corporate Governance114
Item 11.Executive Compensation115
Item 12.Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters115
Item 13.Certain Relationships and Related Transactions, and Director Independence116
Item 14.Principal Accountant Fees and Services116
PART IV
Item 15.Exhibits and Financial Statement Schedules117

Part I

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.