Sound Community Bank

Headquarters: Seattle, Washington
Charter: Bank
Assets: $1.1B
Fed district: San Francisco
Regulator: FDIC
Holding company: Sound Financial Bancorp Inc.

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 10, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 10, 2026

How these figures are measured

Call-report figures are for Sound Community Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Sound Community Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Sound Community Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $191K in Q2 2026, 1.6% above the same quarter a year earlier ($188K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Interest Plus Checking
Can be waived with a minimum balance of $1,000 or more.
Sound Community Bank: $10
Sound Community Bank: $10
U.S. median: no median
Overdraft (OD)
Sound Community Bank: $32
Sound Community Bank: $32
U.S. median: no median
NSF / Returned Item
Sound Community Bank: $30
Sound Community Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 3.8% from Q3 2025 to Q2 2026, to $191K.

Service-charge income, Q2 2026

$191K

$184KQ3 2025

$184KQ4 2025

$179KQ1 2026

$191KQ2 2026

Against the median

Sound Community BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Sound Community Bank · $1.1B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$1B to $1.1B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Sound Community Bank(this institution)	Seattle, WA	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
AuburnBank	Auburn, AL	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bank of the James	Lynchburg, VA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of Wisconsin Dells	Wisconsin Dells, WI	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
BNC National Bank	Glendale, AZ	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Brentwood Bank	Bethel Park, PA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cape Ann Savings Bank	Gloucester, MA	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Centennial Bank	Trezevant, TN	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Core Bank	Omaha, NE	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farm Bureau Bank FSB	Reno, NV	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Command Bank	Fort Worth, TX	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Generations Bank	Rogers, AR	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
GNBank, National Association	Girard, KS	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Great Midwest Bank, S.S.B.	Brookfield, WI	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ixonia Bank	Ixonia, WI	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ledyard National Bank	Norwich, VT	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Magyar Bank	New Brunswick, NJ	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MountainOne Bank	North Adams, MA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nebraskaland Bank	North Platte, NE	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
OneLocal Bank	Norwood, MA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pioneer Bank	Roswell, NM	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Security Financial Bank	Durand, WI	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Superior National Bank	Hancock, MI	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The First National Bank and Trust Co., Chickasha, Oklahoma	Chickasha, OK	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Monticello Banking Company	Monticello, KY	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Winchester Savings Bank	Winchester, MA	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized banks: within 1% of their median.

Its published price is $10, against a peer median of $10 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

Sound Community BankPeer (equal prices stack)Peer medianInclude 2 outliers ($37.50, $50)Shown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Sound Community Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $191K
vs prior quarter: +$12K+6.7%; from Q1 2026
vs a year earlier: +$3K+1.6%; from Q2 2025
vs start of range: +$22K+13.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Sound Community Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$191K	+$12K	+6.7%
Q1 2026	$179K	−$5K	−2.7%
Q4 2025	$184K	$0	0.0%
Q3 2025	$184K	−$4K	−2.1%
Q2 2025	$188K	−$5K	−2.6%
Q1 2025	$193K	+$11K	+6.0%
Q4 2024	$182K	+$13K	+7.7%
Q3 2024	$169K	$0	0.0%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Sound Community Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$10
per month
Minimum balance fee (balance in the account falls below $100)$3
per month
Closure Fees Accounts closed within 90 days of opening$15
Account Research$50
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$5

Overdraft & NSF

Overdraft Fee$32
per item
Return Item Fee$30
per item

ATM & Card

ATM Usage Fee$3
Debit Card Replacement Fee$10
Debit Card Expedited Fee$35

Wire Transfers

Wire Transfers: Outgoing Domestic$30
Wire Transfers: Outgoing Domestic - Not in Person$60
Wire Transfers: Outgoing International$45

Check Services

Official Checks$8
per item
Money Orders$5
per item
Stop Payment Order$35
per item
Counter Checks Four checks$3
Foreign Outgoing Collection Fee$5
Check Copies$5
Not compared: Monthly charge, not per item
per month
Check Copy$2
per item

Cash & Deposit

Returned Deposited Items$15
per item

Account Services

Notary Services Non-clients$10
Safe Deposit Box Payment Late Fee$10
Not compared: Box drilling or key fee
Legal Processing of Levies$90

Retirement & IRA

IRA Plan Termination Fee$50

Other Fees

Loan Payoff Request$20

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$10	per month	None
Minimum balance fee (balance in the account falls below $100)	$3	per month	None
Closure Fees Accounts closed within 90 days of opening	$15	Not stated	None
Account Research	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$5	Not stated	None
Overdraft & NSF
Overdraft Fee	$32	per item	None
Return Item Fee	$30	per item	None
ATM & Card
ATM Usage Fee	$3	Not stated	None
Debit Card Replacement Fee	$10	Not stated	None
Debit Card Expedited Fee	$35	Not stated	None
Wire Transfers
Wire Transfers: Outgoing Domestic	$30	Not stated	None
Wire Transfers: Outgoing Domestic - Not in Person	$60	Not stated	None
Wire Transfers: Outgoing International	$45	Not stated	None
Check Services
Official Checks	$8	per item	None
Money Orders	$5	per item	None
Stop Payment Order	$35	per item	None
Counter Checks Four checks	$3	Not stated	None
Foreign Outgoing Collection Fee	$5	Not stated	None
Check Copies	$5Not compared: Monthly charge, not per item	per month	None
Check Copy	$2	per item	None
Cash & Deposit
Returned Deposited Items	$15	per item	None
Account Services
Notary Services Non-clients	$10	Not stated	None
Safe Deposit Box Payment Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Legal Processing of Levies	$90	Not stated	None
Retirement & IRA
IRA Plan Termination Fee	$50	Not stated	None
Other Fees
Loan Payoff Request	$20	Not stated	None

Correct a fee source

Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Sound Community Bank operates, and what regulators and customers have on file.

Enforcement actions

None on file with the Federal Reserve and Washington Department of Financial Institutions

The Federal Reserve and Washington Department of Financial Institutions have no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve and Washington Department of Financial Institutions, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Holding company

Sound Financial Bancorp, Inc. (Nasdaq: SFBC)

Consolidated assets

$1.1B

Shareholders' equity

$112.6M

As of

2026Q2

Net income by quarter

Recent SEC filings

8-K8-K2026-10-27View
10-Q10-Q2026-08-10View
8-K8-K2026-07-29View
8-K8-K2026-05-28View
10-Q10-Q2026-05-12View
8-K8-K2026-04-28View
DEF 14ADEF 14A2026-04-15View
10-K10-K2026-03-18View
8-K8-K2026-02-13View
8-K8-K2026-01-28View
10-Q10-Q2025-11-12View
8-K8-K2025-10-28View

Source: SEC EDGAR filings and XBRL financial data, CIK 1541119. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

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