Sound Community Bank

Seattle, WashingtonFDIC Cert #57451

STATEEstablished 195310 branches

Holding company: SOUND FINANCIAL BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$79.1M
Investor CRE	$146M
Multifamily	$165M
Construction	$74.3M
1–4 family	$297M
C&I	$14M
Agriculture	$1.86M
Other	$143M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$922M

+3.7%y/y

Percentile by value36th percentileby value

FDICLNLSGR

Net loans

$913M

+3.8%y/y

Percentile by value37th percentileby value

FDICLNLSNET

Loans YoY

+3.76%

+450.7%y/y

Percentile by value38th percentileby value

FDICLNLSNET

L/D

93.7%

−2.1%y/y

Percentile by value73rd percentileby value

FDICLNLSNET + DEP

Loans/assets

82.1%

−0.2%y/y

Percentile by value87th percentileby value

FDICLNLSNET + ASSET

RE loans %

85.40%

+1.6%y/y

Percentile by value49th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,762points

−5.1%y/y

Peer standing73rd percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

8.58%

+2.6%y/y

Percentile by value28th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

15.87%

−0.4%y/y

Percentile by value38th percentileby value

FDICLNRENROT + LNLSGR

C&I %

1.51%

+22.4%y/y

Percentile by value6th percentileby value

FDICLNCI + LNLSGR