Results of Operations and Financial Condition. On July 28, 2026, Sound Financial Bancorp, Inc. (the “Company”), (Nasdaq: SFBC), the holding company of Sound Community Bank, issued its earnings press release announcing financial results for the second quarter and six months ended June 30, 2026. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Other Events. On July 28, 2026, the Company announced its Board of Directors declared a cash dividend on Company common stock of $0.21 per share, payable on August 21, 2026 to stockholders of record as of the close of business on August 07, 2026. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Results of Operations and Financial Condition. On April 28, 2026, Sound Financial Bancorp, Inc. (the “Company”), (Nasdaq: SFBC), the holding company of Sound Community Bank, issued its earnings press release announcing financial results for the first quarter ended March 31, 2026. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Other Events. On April 28, 2026, the Company announced its Board of Directors declared a cash dividend on Company common stock of $0.21 per share, payable on May 26, 2026 to stockholders of record as of the close of business on May 11, 2026. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Results of Operations and Financial Condition. On January 27, 2026, Sound Financial Bancorp, Inc. (the “Company”), (Nasdaq: SFBC), the holding company of Sound Community Bank, issued its earnings press release announcing financial results for the fourth quarter and year ended December 31, 2025. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Other Events. On January 27, 2026, the Company announced its Board of Directors declared a cash dividend on Company common stock of $0.21 per share, payable on February 23, 2026 to stockholders of record as of the close of business on February 09, 2026. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Other Events. On October 28, 2025, the Company announced its Board of Directors declared a cash dividend on Company common stock of $0.19 per share, payable on November 21, 2025 to stockholders of record as of the close of business on November 07, 2025. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Results of Operations and Financial Condition. On October 28, 2025, Sound Financial Bancorp, Inc. (the “Company”), (Nasdaq: SFBC), the holding company of Sound Community Bank, issued its earnings press release announcing financial results for the third quarter and period ended September 30, 2025. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

President — Laura Lee Stewart: Laura Lee Stewart is transitioning from President to CEO, with Wesley Ochs appointed as the new President.

Results of Operations and Financial Condition. On July 29, 2025, Sound Financial Bancorp, Inc. (the “Company”), (Nasdaq: SFBC), the holding company of Sound Community Bank, issued its earnings press release announcing financial results for the second quarter and period ended June 30, 2025. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Other Events. On July 29, 2025, the Company announced its Board of Directors declared a cash dividend on Company common stock of $0.19 per share, payable on August 25, 2025 to stockholders of record as of the close of business on August 11, 2025. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Changes in Registrant's Certifying Accountant. On June 3, 2025, Sound Financial Bancorp, Inc., (the "Company") was notified that Moss Adams LLP ("Moss Adams"), the Company's independent registered public accounting firm, merged with Baker Tilly US, LLP effective on June 3, 2025. The combined audit practices operate as Baker Tilly US, LLP (“Baker Tilly”). In connection with the notification of the merger, Moss Adams has resigned as the auditors of the Company and the Audit Committee of the Com…

Other Events. On April 29, 2025, the Company announced its Board of Directors declared a cash dividend on Company common stock of $0.19 per share, payable on May 23, 2025 to stockholders of record as of the close of business on May 09, 2025. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Results of Operations and Financial Condition. On April 29, 2025, Sound Financial Bancorp, Inc. (the “Company”), (Nasdaq: SFBC), the holding company of Sound Community Bank, issued its earnings press release announcing financial results for the first quarter and period ended March 31, 2025. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Other Events. On January 29, 2025, the Company announced its Board of Directors declared a cash dividend on Company common stock of $0.19 per share, payable on February 26, 2025 to stockholders of record as of the close of business on February 12, 2025. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Results of Operations and Financial Condition. On January 29, 2025, Sound Financial Bancorp, Inc. (the “Company”), (Nasdaq: SFBC), the holding company of Sound Community Bank, issued its earnings press release announcing financial results for the fourth quarter and year ended December 31, 2024. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Amendments to change in control agreements for six officers, including named executive officers.

Results of Operations and Financial Condition. On October 30, 2024, Sound Financial Bancorp, Inc. (the “Company”), (Nasdaq: SFBC), the holding company of Sound Community Bank, issued its earnings press release announcing financial results for the third quarter ended September 30, 2024. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Other Events. On October 30, 2024, the Company announced its Board of Directors declared a cash dividend on Company common stock of $0.19 per share, payable on November 26, 2024 to stockholders of record as of the close of business on November 12, 2024. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Other Events. On July 29, 2024, the Company announced its Board of Directors declared a cash dividend on Company common stock of $0.19 per share, payable on August 23, 2024 to stockholders of record as of the close of business on August 09, 2024. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Results of Operations and Financial Condition. On July 29, 2024, Sound Financial Bancorp, Inc. (the “Company”), (Nasdaq: SFBC), the holding company of Sound Community Bank, issued its earnings press release announcing financial results for the second quarter ended June 30, 2024. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Other Events. On April 29, 2024, the Company announced its Board of Directors declared a cash dividend on Company common stock of $0.19 per share, payable on May 22, 2024 to stockholders of record as of the close of business on May 08, 2024. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Results of Operations and Financial Condition. On April 29, 2024, Sound Financial Bancorp, Inc. (the “Company”), (Nasdaq: SFBC), the holding company of Sound Community Bank, issued its earnings press release announcing financial results for the first quarter ended March 31, 2024. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.

Other Events. Sound Financial Bancorp, Inc.’s annual meeting of stockholders (“Annual Meeting”) will be held on Wednesday, May 29, 2024. The voting record date for stockholders entitled to vote at the Annual Meeting is March 28, 2024. The proposals expected to be presented to stockholders at the Annual Meeting are as follows: 1. Election of director nominees. 2. Advisory (non-binding) vote on executive compensation. 3. Advisory (non-binding) vote on the frequency of future advisory votes on e…

Other Events On January 26, 2024, the Board of Directors (the “Board”) of Sound Financial Bancorp, Inc. (the “Company”) approved a stock repurchase program, authorizing the Company to purchase up to $1.5 million of the Company’s issued and outstanding common stock over a period not exceeding 12 months from the date of Board approval (the “2024 Repurchase Program”). The 2024 Repurchase Program will commence upon the later of (i) completion or expiration of the Company’s existing stock repurcha…