Seattle, WA · Cert 57451 · Sound Financial Bcorp Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Seattle-Tacoma-Bellevue, WA · 2026 SOD (annual) · 0.3% share · #25 of 43 inst. · $0.4B of $143.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.75% | 0.95% | 0.68% | 1.05% | +16 bps | |
| Return on Equity | 8.41% | 7.05% | 8.93% | 6.47% | 9.79% | +138 bps | |
| Net Interest Margin | 3.59% | 3.44% | 3.34% | 3.39% | 3.67% | +9 bps | |
| Efficiency Ratio | 69.65% | 73.70% | 67.11% | 74.85% | 69.28% | -36 bps | |
| Non-Interest Burden | 2.37% | 2.45% | 2.14% | 2.46% | 2.39% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.55% | -3.70% | 9.92% | 3.98% | 0.71% | +226 bps | |
| Loan Growth (YoY) | 1.89% | 0.91% | 0.60% | 3.75% | -1.41% | -329 bps | |
| Deposit Growth (YoY) | -0.17% | -2.84% | 13.35% | 6.02% | 3.08% | +325 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.37% | 0.30% | 0.64% | 0.80% | 0.90% | +53 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 0.94% | 0.94% | 0.95% | 0.94% | 0.94% | 0 bps | |
| Allowance Coverage of NPLs | 2.5x | 3.2x | 1.5x | 1.2x | 1.0x | -1.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.60% | 10.71% | 10.93% | 10.62% | 10.93% | +33 bps | |
| Total Risk-Based Capital | 10.60% | 10.71% | 10.93% | 10.62% | 10.93% | +33 bps | |
| Equity / Assets | 10.51% | 10.70% | 10.64% | 10.44% | 10.98% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.70% | 100.17% | 94.96% | 94.57% | 95.35% | -434 bps | |
| Liquid Assets / Assets | 9.12% | 9.01% | 12.17% | 11.86% | 10.59% | +146 bps | |
| CRE / Total Capital | n/a | 390% | 381% | 400% | n/a | n/a | |