What are Sound Financial Bancorp's total assets?

Sound Financial Bancorp (SFBC) holds $1.1B in total assets, up 4.0% year over year.

How much debt does Sound Financial Bancorp have?

Sound Financial Bancorp carries $3.4M in total debt against $110.4M of shareholders' equity, a debt-to-equity ratio of 0.03.

How much cash does Sound Financial Bancorp have?

Sound Financial Bancorp holds $138.0M in cash and equivalents.

Where does Sound Financial Bancorp's balance sheet data come from?

Every line is extracted from Sound Financial Bancorp's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

Sound Financial Bancorp SFBC Balance Sheet Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Cash and cash equivalents	$138.45M+217%	$43.64M-12.2%	$49.69M-14.1%	$57.84M-68.5%
Accounts receivable, net	$905.53M+0.6%	$900.17M+0.6%	$894.48M+3.3%	$865.98M—
Accrued investment income	$3.6M+5.9%	$3.4M0.0%	$3.4M+13.3%	$3M—
Loans held for sale	$542K+11.3%	$487K-19.2%	$603K—	$0-100%
Property and equipment, net	$4.24M-9.8%	$4.7M-10.4%	$5.24M-5.0%	$5.51M-5.3%
Operating lease right-of-use assets	3.1%+0.2%	2.9%-449,599,997%	449,600,000%-60,600,000%	510,200,000%-70,900,000%
Other non-current assets	$6.31M-10.2%	$7.03M+15.1%	$6.11M+34.6%	$4.54M+26.9%
Equity method investments	$0—	——	——	——
Available-for-sale securities	$7.7M-1.2%	$7.79M-6.0%	$8.29M-18.8%	$10.21M+21.2%
Held-to-maturity securities	$1.89M-11.2%	$2.13M-1.7%	$2.17M-1.5%	$2.2M—
Total investments	$1.06M-38.7%	$1.73M-27.8%	$2.4M-15.4%	$2.83M+171%
Gross loans	$905.53M+0.6%	$900.17M+0.6%	$894.48M+3.3%	$865.98M+26.2%
Allowance for credit losses	$8.61M+1.2%	$8.5M-3.0%	$8.76M+4.8%	$8.36M+32.6%
Mortgage servicing rights	$4.18M-12.3%	$4.77M+3.0%	$4.63M-1.2%	$4.69M+9.7%
Total assets	$1.09B+9.9%	$993.63M-0.2%	$995.22M+1.9%	$976.35M+6.2%
Operating lease liabilities, current	$3.57M-11.2%	$4.01M-16.8%	$4.82M-11.5%	$5.45M-12.7%
Short-term borrowings	——	——	——	——
Accrued interest	$674K-11.9%	$765K-6.4%	$817K+107%	$395K+97.5%
Deposits	$948.88M+13.3%	$837.8M+1.4%	$826.54M+2.2%	$808.76M+1.3%
Noninterest-bearing deposits	$132.57M0.0%	$132.53M+4.6%	$126.73M-26.8%	$173.2M-9.1%
Finance Lease Liabilities (Total)	$106K—	$0—	——	——
Operating Lease Liabilities (Total)	$3.57M-11.2%	$4.01M-16.8%	$4.82M-11.5%	$5.45M-12.7%
Finance lease liabilities	$106K—	$0—	——	——
Other non-current liabilities	$10.37M+10.6%	$9.37M-2.0%	$9.56M+15.0%	$8.32M-3.0%
Total liabilities	$982.77M+10.4%	$889.97M-0.5%	$894.57M+1.8%	$878.65M+6.3%
Preferred stock	$0—	$0—	$0—	$0—
Common stock	40M+159,900%	25K0.0%	25K-3.8%	26K0.0%
Additional paid-in capital	$28.74M+1.1%	$28.41M+1.5%	$27.99M0.0%	$28M+0.2%
Retained earnings	$81.48M+6.8%	$76.27M+3.6%	$73.63M+4.0%	$70.79M+8.5%
Accumulated other comprehensive income (loss)	-$846K+19.0%	-$1.04M-5.7%	-$988K+11.5%	-$1.12M-904%
Total stockholders' equity	$109.4M+5.5%	$103.67M+3.0%	$100.65M+3.0%	$97.71M+4.7%
Total liabilities and stockholders' equity	$1.09B+9.9%	$993.63M-0.2%	$995.22M+1.9%	$976.35M+6.2%
Commitments and contingencies	$0—	$0—	$0—	$0—
Available-for-Sale Debt Securities - Amortized Cost	$8.77M-3.8%	$9.11M-4.5%	$9.54M-17.9%	$11.62M+41.0%
Available-for-Sale Debt Securities - Amortized Cost (Due Within One Year)	——	——	——	——
Available-for-Sale Debt Securities - Amortized Cost (<1 Year)	——	——	——	——
Available-for-Sale Debt Securities - Fair Value (Maturing Within 1 Year)	——	——	——	——
Available-for-Sale Debt Securities - Unrealized Loss Position (>=12 Months)	150.0%	15-6.3%	16+433%	3+200%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months)	$5.69M-0.7%	$5.73M-6.9%	$6.15M+300%	$1.54M+283%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$0-100%	$44K-8.3%	$48K-99.3%	$6.77M+315%
Available-for-Sale Debt Securities - Unrealized Loss Position (<12 Months)	$0-100%	$44K-8.3%	$48K-99.3%	$6.77M+315%
Available-for-Sale Debt Securities - Unrealized Loss Position	$1.09M-18.6%	$1.34M+5.4%	$1.27M-11.2%	$1.43M+5,624%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Fair Value	$5.69M-0.7%	$5.73M-6.9%	$6.15M+300%	$1.54M+283%
AFS and Trading Securities - Unrealized Loss Position Fair Value	$5.69M-1.5%	$5.77M-6.9%	$6.2M-25.3%	$8.3M+308%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$0-100%	$44K-8.3%	$48K-99.3%	$6.77M+315%
Cash, Cash Equivalents, and Marketable Securities	$5.69M-1.5%	$5.77M-6.9%	$6.2M-25.3%	$8.3M+308%
Equipment Installment Plan Receivables, Gross	$905.53M+0.6%	$900.17M+0.6%	$894.48M+3.3%	$865.98M+26.2%
Impaired Financing Receivable with No Related Allowance - Unpaid Principal Balance	$5.75M-23.2%	$7.49M+127%	$3.3M+13.0%	$2.92M—
Accumulated Modified Financing Receivables	$1.1M-15.4%	$1.3M-23.5%	$1.7M-15.0%	$2M-23.1%
Financing Receivables	$896.93M+0.6%	$891.67M+0.7%	$885.72M+3.2%	$858.38M+26.2%
Interest Receivable - Loans	$3.6M+5.9%	$3.4M0.0%	$3.4M+13.3%	$3M—
Loans and Lending Commitments	$896.93M+0.6%	$891.67M+0.7%	$885.72M+3.2%	$858.38M+26.2%
Restricted Marketable Securities	$0—	$0—	$0—	$0—
Trading Securities in Marketable Securities	$0—	——	——	——
Trial Loan Modifications	$1.1M-15.4%	$1.3M-23.5%	$1.7M-15.0%	$2M-23.1%
Available-for-Sale Debt Securities - Fair Value (No Single Maturity Date)	——	——	——	——
Loans 90+ Days Past Due	$0—	$0—	$0—	$0—
Purchased Credit Deteriorated Loans	$896.93M+0.6%	$891.67M+0.7%	$885.72M+3.2%	$858.38M+26.2%
Equity Securities Without Readily Determinable Fair Value - Cumulative Downward Adjustments	$0—	——	——	——
Foreclosed Assets	$344K—	$0-100%	$575K-12.7%	$659K0.0%
Held-to-Maturity Debt Securities - Fair Value	$1.58M-7.8%	$1.71M-4.2%	$1.79M-1.3%	$1.81M—
Investments - Amortized Cost Basis	$0-100%	$9.11M-4.5%	$9.54M-17.9%	$11.62M+41.0%
Net Investment in Lease	$3.32M-10.9%	$3.73M-17.1%	$4.5M-11.9%	$5.1M-12.2%
Bank Owned Life Insurance	$23.33M+3.7%	$22.49M+2.9%	$21.86M+2.6%	$21.31M+1.0%
Private debt held-for-investment, at amortized cost, net of valuation allowance – $3 and $4	$896.93M+0.6%	$891.67M+0.7%	$885.72M+3.2%	$858.38M+26.2%
Lease right of use assets, net	$3.42M-8.1%	$3.73M—	——	——
Right of use assets	$3.42M-8.1%	$3.73M—	——	——
Operating lease right-of-use assets	$3.32M-10.9%	$3.73M-17.1%	$4.5M-11.9%	$5.1M-12.2%
Other Assets	$6.31M-10.2%	$7.03M+15.1%	$6.11M+34.6%	$4.54M+26.9%
Fair value of servicing rights	$4.18M-12.3%	$4.77M+3.0%	$4.63M-1.2%	$4.69M+9.7%
Operating Lease Right-of-Use Assets in Other Assets	$3.32M-10.9%	$3.73M-17.1%	$4.5M-11.9%	$5.1M-12.2%
Finance Lease Liability Payment Due	——	——	——	——
Finance Lease Liability - Undiscounted Excess Amount	——	——	——	——
Lease Liability Payments - 2020 (Remaining Three Months)	——	——	——	——
Lease Liability Payments - 2021	——	——	——	——
Operating Lease Liability Payments - 2024 (Lessee)	——	——	——	——
Operating Lease Liability Payments - 2025 (Lessee)	——	——	——	——
Lease Liability Payments - Due Year Two	——	——	——	——
Lease Liability Payments - Due Year Three	——	——	——	——
Lease Liability Payments - Due Year Four	——	——	——	——
Lease Liability Payments - Remainder of Fiscal Year	——	——	——	——
Lending commitments held for investment - individually evaluated	——	——	——	——
Operating Lease Liability Payments Due	——	——	——	——
Operating Lease Liability - Undiscounted Excess Amount	——	——	——	——
Borrowings at Fair Value	$7.8M-33.7%	$11.76M+0.4%	$11.72M+0.4%	$11.68M+0.4%
Federal Home Loan Bank Borrowings	$10M-60.0%	$25M-37.5%	$40M-7.0%	$43M—
Operating Lease Liability Payments - 2026 (Lessee)	——	——	——	——
Operating Lease Liability Payments - 2027 (Lessee)	——	——	——	——
Operating Lease Liability Payments - 2028 (Lessee)	——	——	——	——
Interest-Bearing Deposit Liabilities	$816.31M+15.7%	$705.27M+0.8%	$699.81M+10.1%	$635.57M+4.6%
Present value of lease liabilities	$3.67M-8.5%	$4.01M—	——	——
Total debt	$3.67M-8.5%	$4.01M-16.8%	$4.82M-11.5%	$5.45M-12.7%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Accumulated Loss	$1.09M-18.5%	$1.34M+5.4%	$1.27M+168%	$474K+3,850%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Accumulated Loss	0-100%	10.0%	1-93.8%	16+700%
Common Stock Par Value Per Share	$0.010.0%	$0.010.0%	$0.010.0%	$0.010.0%
Common Stock Shares Issued	2.6M+0.1%	2.6M+0.6%	2.5M-1.3%	2.6M-1.2%
Convertible Preferred Stock Authorized Shares	10M0.0%	10M0.0%	10M0.0%	10M0.0%
Convertible Preferred Stock Issued Shares	0—	0—	0—	0—
Convertible Preferred Stock Outstanding Shares	0—	0—	0—	0—
Cumulative Gross Losses and Impairments	$314K-24.9%	$418K+10.3%	$379K-2.3%	$388K—
Cumulative Gross Unrealized Gains	$0—	$0—	$0—	$0—
Common stock; $0.001 par value; 6,000 shares authorized; 3,755 and 3,751 shares issued and outstanding as of March 31, 2026 and December 31, 2025, respectively	$25K0.0%	$25K0.0%	$25K-3.8%	$26K0.0%
Preferred stock; $0.001 par value; 100 shares authorized; no shares issued and outstanding	$0—	$0—	$0—	$0—
Investments - Gross Unrealized Losses	$5.69M-1.5%	$5.77M-6.9%	$6.2M-25.3%	$8.3M+308%
Preferred Stock Par Value Per Share	$0.010.0%	$0.010.0%	$0.010.0%	$0.010.0%
Unrealized Gains on Investments	$20K+11.1%	$18K-5.3%	$19K+11.8%	$17K-91.5%
Unrealized Losses on Investments (Before Tax)	$1.09M-18.6%	$1.34M+5.4%	$1.27M-11.2%	$1.43M+5,624%
Nonperforming Loans and Leases Percentage	$5.75M-23.2%	$7.49M+127%	$3.3M+13.0%	$2.92M-99.6%
Cumulative Cost Basis	$8.77M-3.8%	$9.11M-4.5%	$9.54M-17.9%	$11.62M+41.0%
Off-Balance Sheet Commitments (Contractual)	——	——	——	——
Escrow payable for property taxes and insurance	$1.39M+10.1%	$1.26M+13.5%	$1.11M+6.1%	$1.05M-23.4%
Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax	$1.09M-18.6%	$1.34M+5.4%	$1.27M-11.2%	$1.43M+5,624%
Gross Unrealized Gains	$20K+11.1%	$18K-5.3%	$19K+11.8%	$17K-91.5%
Total	$8.77M-3.8%	$9.11M-4.5%	$9.54M-17.9%	$11.62M+41.0%
1 Year or Less	——	——	——	——
After 5 Years through 10 Years	——	——	——	——
After 10 Years	——	——	——	——
After 1 Year through 5 Years	——	——	——	——
Debt Securities, Available-for-Sale, Maturity, without Single Maturity Date, Amortized Cost	——	——	——	——
Available for sale investments	$7.7M-1.2%	$7.79M-6.0%	$8.29M-18.8%	$10.21M+21.2%
Common stock, par value (in dollars per share)	$0.010.0%	$0.010.0%	$0.010.0%	$0.010.0%
Common stock, shares authorized (in shares)	$40M0.0%	$40M0.0%	$40M0.0%	$40M0.0%
Common stock, shares issued (in shares)	$2.57M+0.1%	$2.56M+0.6%	$2.55M-1.3%	$2.58M-1.2%
Common Stock, Shares, Outstanding	$2.57M+0.1%	$2.56M+0.6%	$2.55M-1.3%	$2.58M-1.2%
Debt Securities, Available-for-Sale, Allowance for Credit Loss	$0—	$0—	$0—	$0—
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$1.09M-18.5%	$1.34M+5.4%	$1.27M+168%	$474K+3,850%
Less than 12 months	$0-100%	$44K-8.3%	$48K-99.3%	$6.77M+315%
12 months or more	$5.69M-0.7%	$5.73M-6.9%	$6.15M+300%	$1.54M+283%
Number of Securities, Greater than 12 months	$150.0%	$15-6.3%	$16+433%	$3+200%
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$0-100%	$2K+100%	$1K-99.9%	$957K+7,262%
Estimated Fair Value	$7.7M-1.2%	$7.79M-6.0%	$8.29M-18.8%	$10.21M—
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss	$1.09M-18.6%	$1.34M+5.4%	$1.27M-11.2%	$1.43M+5,624%
Debt Securities, Available-for-Sale, Unrealized Loss Position	$5.69M-1.5%	$5.77M-6.9%	$6.2M-25.3%	$8.3M+308%
Accrued Interest, held-to-maturity	$47K-2.1%	$48K-2.0%	$49K-9.3%	$54K—
Trading securities, cost	$0—	——	——	——
Collateralized short-term advances from Federal Home Loan Bank	——	——	——	——
2027-2028	——	——	——	——
2026	——	——	——	——
Federal Home Loan Bank stock, at cost	$1.06M-38.7%	$1.73M-27.8%	$2.4M-15.4%	$2.83M+171%
Finance Lease Liability Payments Due	——	——	——	——
2027	——	——	——	——
Finance Lease Liability Payments Due Year Four	——	——	——	——
Finance Lease Liability Payments Due Year Three	——	——	——	——
Finance Lease Liability Payments Due Year Two	——	——	——	——
Finance Lease Liability Undiscounted Excess Amount	——	——	——	——
Finance Lease, Right-of-Use Asset, after Accumulated Amortization	$104K—	$0—	——	——
Financing Receivable, Allowance For Credit Loss, Excluding Accrued Interest And Off-Balance-Sheet, Credit Loss, Liability	$8.75M+0.2%	$8.73M-2.5%	$8.95M+12.8%	$7.93M+18.2%
Principal Balance	$907.64M+0.6%	$901.83M+0.6%	$896.16M+3.3%	$867.56M+26.1%
Prior	$146.4M+4.6%	$140.03M+20.9%	$115.81M—	——
Converted to term loans – Amortized cost	$1M-11.7%	$1.14M+56,650%	$2K—	——
Amortized cost	$28.89M+41.0%	$20.48M-1.8%	$20.86M—	——
Year one	$162.55M+31.8%	$123.32M+8.4%	$113.77M—	——
Year four	$174.11M-30.9%	$252.11M+322%	$59.74M—	——
Year five	$219.24M+323%	$51.82M-4.9%	$54.48M—	——
Year two	$99.94M+8.1%	$92.47M-63.0%	$249.7M—	——
Year three	$73.39M-66.5%	$218.81M-21.9%	$280.11M—	——
With an allowance	$0—	$0—	$0—	$0—
Lease financings	-$2.74M-15.3%	-$2.37M+5.5%	-$2.51M+1.5%	-$2.55M-7.6%
Financing receivable, unamortized purchase discount	$627K-12.7%	$718K-13.4%	$829K-14.8%	$973K+8.5%
Debt Securities, Held-to-Maturity, Accumulated Unrecognized Loss	$314K-24.9%	$418K+10.3%	$379K-2.3%	$388K—
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	$0—	$0—	$0—	$0—
Debt Securities, Held-to-maturity, Unrealized Loss Position, Accumulated Loss	$314K-24.9%	$418K+10.3%	$379K-2.3%	$388K—
HTM unrealized loss position 12 months or more - fair value	$1.58M-7.8%	$1.71M-4.2%	$1.79M—	$0—
Instruments not due at a single maturity date	——	——	——	——
Held to maturity, Mortgage backed securities, Fair Value	——	——	——	——
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost	——	——	——	——
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Amortized Cost	——	——	——	——
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Amortized Cost	——	——	——	——
Debt Securities, Held-to-maturity, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost	——	——	——	——
Lessee Operating Lease Liability Payments Due	——	——	——	——
Lessee Operating Lease Liability Undiscounted Excess Amount	——	——	——	——
Unused credit available	——	——	——	——
Off-Balance-Sheet, Credit Loss, Liability	$148K-36.8%	$234K+21.2%	$193K-42.4%	$335K-17.1%
2030	——	——	——	——
Operating And Finance Lease Liability Payments Due	——	——	——	——
2027	——	——	——	——
Remainder of 2026	——	——	——	——
2028	——	——	——	——
2029	——	——	——	——
Less: Present value discount	——	——	——	——
Operating Lease Weighted Average Discount Rate Percent	$0.03+6.9%	$0.03—	——	——
Preferred Stock, Par or Stated Value Per Share	$0.010.0%	$0.010.0%	$0.010.0%	$0.010.0%
Preferred Stock, Shares Authorized	$10M0.0%	$10M0.0%	$10M0.0%	$10M0.0%
Preferred Stock, Shares Issued	$0—	$0—	$0—	$0—
Preferred Stock, Shares Outstanding	$0—	$0—	$0—	$0—
Principal Amount Outstanding Of Loans Held In Portfolio	$398.4M-6.4%	$425.8M-5.1%	$448.9M-5.0%	$472.5M-7.0%
Remainder of Fiscal Year 2024	——	——	——	——
Stated Maturities	——	——	——	——
Weighted-Average Discount Rate	4.4%—	0%—	——	——
Weighted-Average Discount Rate - Finance Leases	$0.04—	$0—	——	——

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Questions, answered.

What are Sound Financial Bancorp's total assets?: Sound Financial Bancorp (SFBC) holds $1.1B in total assets, up 4.0% year over year.
How much debt does Sound Financial Bancorp have?: Sound Financial Bancorp carries $3.4M in total debt against $110.4M of shareholders' equity, a debt-to-equity ratio of 0.03.
How much cash does Sound Financial Bancorp have?: Sound Financial Bancorp holds $138.0M in cash and equivalents.
Where does Sound Financial Bancorp's balance sheet data come from?: Every line is extracted from Sound Financial Bancorp's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.