Sound Financial Bancorp Inc - Asset Resilience Ratio

Latest as of December 2025: 0.70%

Sound Financial Bancorp Inc (SFBC) has an Asset Resilience Ratio of 0.70% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read SFBC liabilities breakdown for a breakdown of total debt and financial obligations.

Liquid Assets

$7.70 Million

Cash + Short-term Investments

Total Assets

$1.09 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2011–2025)

This chart shows how Sound Financial Bancorp Inc's Asset Resilience Ratio has changed over time. See what is Sound Financial Bancorp Inc's book value for net asset value and shareholders' equity analysis.

Liquid Assets Composition Over Time

This chart breaks down Sound Financial Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see SFBC market cap overview.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$7.70 Million	0.7%
Total Liquid Assets	$7.70 Million	0.70%

Asset Resilience Insights

Limited Liquidity: Sound Financial Bancorp Inc maintains only 0.70% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company has significant short-term investments, indicating active treasury management.

Sound Financial Bancorp Inc Industry Peers by Asset Resilience Ratio

Compare Sound Financial Bancorp Inc's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Bank of Ayudhya PCL BK:BAY	Banks - Regional	4.13%
First Merchants Corporation Depository Shares NASDAQ:FRMEP	Banks - Regional	7.40%
Banco Santander (Brasil) S.A. SA:SANB3	Banks - Regional	5.81%
Capitol Federal Financial Inc NASDAQ:CFFN	Banks - Regional	8.49%
CB Financial Services Inc NASDAQ:CBFV	Banks - Regional	17.58%
KB Financial Group Inc F:KBIA	Banks - Regional	12.09%
Absa Group Ltd JSE:ABG	Banks - Regional	-3.45%
International Bancshares Corporation NASDAQ:IBOC	Banks - Regional	29.29%

Annual Asset Resilience Ratio for Sound Financial Bancorp Inc (2011–2025)

The table below shows the annual Asset Resilience Ratio data for Sound Financial Bancorp Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	0.70%	$7.70 Million	$1.09 Billion	-0.08pp
2024-12-31	0.78%	$7.79 Million	$993.63 Million	-0.05pp
2023-12-31	0.83%	$8.29 Million	$995.22 Million	-0.21pp
2022-12-31	1.05%	$10.21 Million	$976.35 Million	+0.13pp
2021-12-31	0.92%	$8.42 Million	$919.69 Million	-0.27pp
2020-12-31	1.19%	$10.22 Million	$861.40 Million	-0.11pp
2019-12-31	1.29%	$9.31 Million	$719.85 Million	+0.60pp
2018-12-31	0.69%	$4.96 Million	$716.74 Million	-0.15pp
2017-12-31	0.84%	$5.43 Million	$645.24 Million	-0.28pp
2016-12-31	1.12%	$6.60 Million	$588.38 Million	-0.12pp
2015-12-31	1.24%	$6.70 Million	$540.76 Million	-1.09pp
2014-12-31	2.33%	$11.52 Million	$495.19 Million	-1.16pp
2013-12-31	3.48%	$15.42 Million	$442.61 Million	-2.53pp
2012-12-31	6.01%	$22.90 Million	$381.04 Million	+5.13pp
2011-12-31	0.88%	$2.99 Million	$339.74 Million	--

pp = percentage points

About Sound Financial Bancorp Inc

NASDAQ:SFBC USA Banks - Regional

Market Cap

$98.53 Million

Market Cap Rank

#19241 Global

#4220 in USA

Share Price

$41.42

Change (1 day)

+0.66%

52-Week Range

$41.06 - $51.30

All Time High

$55.70