Sound Financial Bancorp (SFBC) 10-K 30 Mar 16 2015 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Mar. 25, 2016	Jun. 30, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	Sound Financial Bancorp, Inc.
Entity Central Index Key	1,541,119
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Smaller Reporting Company
Entity Public Float			$ 45.4
Entity Common Stock, Shares Outstanding		2,481,389
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2015

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and cash equivalents	$ 48,264	$ 29,289
Available-for-sale securities, at fair value	6,696	11,524
Loans held-for-sale	2,091	810
Loans	459,469	430,360
Allowance for loan losses	(4,636)	(4,387)
Total loans, net	454,833	425,973
Accrued interest receivable	1,608	1,497
Bank-owned life insurance, net	11,746	11,408
Other real estate owned ("OREO") and repossessed assets, net	769	323
Mortgage servicing rights, at fair value	3,249	3,028
Federal Home Loan Bank ("FHLB") stock, at cost	2,212	2,224
Premises and equipment, net	5,335	5,555
Other assets	3,957	3,556
Total assets	540,760	495,187
Deposits
Interest-bearing	389,151	363,456
Noninterest-bearing demand	50,873	44,353
Total deposits	440,024	407,809
Borrowings	40,435	30,578
Accrued interest payable	72	76
Other liabilities	5,140	5,606
Advance payments from borrowers for taxes and insurance	569	474
Total liabilities	$ 486,240	$ 444,543
COMMITMENTS AND CONTINGENCIES (NOTE 18)
STOCKHOLDERS' EQUITY
Preferred stock, $0.01 par value, 1,000,000 shares authorized, none issued or outstanding	$ 0	$ 0
Common stock, $0.01 par value, 40,000,000 shares authorized, 2,469,206 and 2,515,664 issued and outstanding as of December 31, 2015 and 2014, respectively	25	25
Additional paid-in capital	23,002	23,552
Unearned shares - Employee Stock Ownership Plan ("ESOP")	(911)	(1,140)
Retained earnings	32,240	28,024
Accumulated other comprehensive income, net of tax	164	183
Total stockholders' equity	54,520	50,644
Total liabilities and stockholders' equity	$ 540,760	$ 495,187

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2015	Dec. 31, 2014
STOCKHOLDERS' EQUITY
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	40,000,000	40,000,000
Common stock, shares issued (in shares)	2,469,206	2,515,664
Common stock, shares outstanding (in shares)	2,469,206	2,515,664

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
INTEREST INCOME
Loans, including fees	$ 22,233	$ 21,143
Interest and dividends on investments, cash and cash equivalents	220	213
Total interest income	22,453	21,356
INTEREST EXPENSE
Deposits	2,646	2,269
Borrowings	106	154
Total interest expense	2,752	2,423
Net interest income	19,701	18,933
PROVISION FOR LOAN LOSSES	400	800
Net interest income after provision for loan losses	19,301	18,133
NONINTEREST INCOME
Service charges and fee income	2,605	2,571
Earnings on cash surrender value of bank-owned life insurance	338	340
Mortgage servicing income	840	509
Fair value adjustment on mortgage servicing rights	210	328
Loss on sale of securities	(31)	0
Net gain on sale of loans	1,301	624
Total noninterest income	5,263	4,372
NONINTEREST EXPENSE
Salaries and benefits	9,223	8,278
Operations	3,995	4,045
Regulatory assessments	746	267
Occupancy	1,493	1,359
Data processing	1,717	1,770
Net loss and expenses on OREO and repossessed assets	311	208
Total noninterest expense	17,485	15,927
Income before provision for income taxes	7,079	6,578
Provision for income taxes	2,289	2,338
Net income	$ 4,790	$ 4,240
Earnings per common share:
Basic (in dollars per share)	$ 1.92	$ 1.69
Diluted (in dollars per share)	$ 1.86	$ 1.63
Weighted average number of common shares outstanding:
Basic (in shares)	2,491,683	2,513,069
Diluted (in shares)	2,579,575	2,602,146

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 4,790	$ 4,240
Available for sale securities:
Reclassification adjustment loss on sale of securities, net of taxes of $11, and $0, respectively	20	0
Unrealized (losses) gains arising during the year, net of taxes of $(13) and $233, respectively	(39)	452
Other comprehensive income (loss), net of tax	(19)	452
Comprehensive income	$ 4,771	$ 4,692

Consolidated Statements of Com6

Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Available for sale securities:
Reclassification adjustment loss on sale of securities, taxes	$ 11	$ 0
Unrealized (losses) gains arising during the year, taxes	$ (13)	$ 233

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Unearned ESOP Shares [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss), net of tax [Member]	Total
Balances at Dec. 31, 2013	$ 25	$ 23,829	$ (1,369)	$ 24,288	$ (269)	$ 46,504
Balance (in shares) at Dec. 31, 2013	2,510,810
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				4,240		4,240
Other comprehensive income (loss), net of tax					452	452
Share-based compensation		333				333
Restricted stock awards						0
Restricted stock awards (in shares)	45,565
Cash dividends on common stock				(504)		(504)
Common stock repurchased		(904)				(904)
Common stock repurchased (in shares)	(53,340)
Restricted shares forfeited						0
Restricted shares forfeited (in shares)	(8,981)
Stock options exercised		81				81
Stock options exercised (in shares)	21,610
Excess tax benefits of stock compensation		39				39
Allocation of ESOP shares		174	229			403
Balances at Dec. 31, 2014	$ 25	23,552	(1,140)	28,024	183	$ 50,644
Balances (in shares) at Dec. 31, 2014	2,515,664					2,515,664
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				4,790		$ 4,790
Other comprehensive income (loss), net of tax					(19)	(19)
Share-based compensation		418				418
Restricted stock awards						0
Restricted stock awards (in shares)	10,208
Cash dividends on common stock				(574)		(574)
Common stock repurchased		(1,261)				(1,261)
Common stock repurchased (in shares)	(63,371)
Restricted shares forfeited						0
Restricted shares forfeited (in shares)	(482)
Stock options exercised		65				65
Stock options exercised (in shares)	7,187
Allocation of ESOP shares		228	229			457
Balances at Dec. 31, 2015	$ 25	$ 23,002	$ (911)	$ 32,240	$ 164	$ 54,520
Balances (in shares) at Dec. 31, 2015	2,469,206					2,469,206

Consolidated Statements of Sto8

Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividends on common stock (in dollars per share)	$ 0.23	$ 0.20

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 4,790	$ 4,240
Adjustments to reconcile net income to net cash from operating activities:
Accretion of net premium on investments	102	404
Loss on sale of securities	31	0
Provision for loan losses	400	800
Depreciation and amortization	620	555
Compensation expense related to stock options and restricted stock	418	333
Fair value adjustment on mortgage servicing rights	(210)	(328)
Additions to mortgage servicing rights	(679)	(505)
Amortization of mortgage servicing rights	668	789
Increase in cash surrender value of bank-owned life insurance	(338)	(340)
Deferred income tax	(359)	(137)
Gain on sale of loans	(1,301)	(624)
Proceeds from sale of loans	73,951	50,406
Originations of loans held-for-sale	(73,931)	(50,462)
Loss on sale of other real estate owned and repossessed assets	201	28
Change in operating assets and liabilities:
Accrued interest receivable	(111)	(131)
Other assets	(31)	278
Accrued interest payable	(4)	(6)
Other liabilities	(466)	1,503
Net cash from operating activities	3,751	6,803
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from principal payments, maturities and sales of available for sale securities	4,665	4,177
FHLB stock redeemed	12	90
Net increase in loans	(29,931)	(40,632)
Improvements to OREO and other repossessed assets	0	(12)
Proceeds from sale of OREO and other repossessed assets	736	1,447
Purchases of premises and equipment, net	(1,112)	(3,972)
Net cash used by investing activities	(25,630)	(38,902)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	32,215	59,470
Proceeds from borrowings	107,000	174,100
Repayment of borrowings	(97,143)	(186,743)
Net change in advances from borrowers for taxes and insurance	95	112
ESOP shares released	457	403
Excess tax benefits of stock compensation	0	39
Common stock option redemptions	65	81
Repurchase of common stock	(1,261)	(904)
Dividends paid	(574)	(504)
Net cash from financing activities	40,854	46,054
Net increase (decrease) in cash and cash equivalents	18,975	13,955
Cash and cash equivalents, beginning of year	29,289	15,334
Cash and cash equivalents, end of year	48,264	29,289
SUPPLEMENTAL CASH FLOW INFORMATION
Cash paid for income taxes	2,860	1,975
Interest paid on deposits and borrowings	2,756	2,429
Noncash net transfer from premises and equipment to OREO and repossessed assets	712	608
Noncash net transfer from loans to OREO and repossessed assets	671	608
The following summarized the non-cash activities related to the acquisition:
Fair value of assets acquired	0	4,904
Fair value of liabilities assumed	0	(21,602)
Net fair value of liabilities	$ 0	$ (16,698)

Organization and Significant Ac

Organization and Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Organization and Significant Accounting Policies [Abstract]
Organization and Significant Accounting Policies	Note 1 - Organization and significant accounting policies Sound Financial Bancorp, a Maryland corporation (“Sound Financial Bancorp” or the “Company”), is a bank holding company for its wholly owned subsidiary, Sound Community Bank (the “Bank”). Substantially all of Sound Financial Bancorp's business is conducted through Sound Community Bank, a Washington state-chartered commercial bank. As a Washington commercial bank, the Bank's regulators are the Washington State Department of Financial Institutions (“WDFI”) and the Federal Deposit Insurance Corporation (“FDIC”). The Board of Governors of the Federal Reserve System (“Federal Reserve”) is the primary federal regulator for Sound Financial Bancorp. Subsequent events Basis of Presentation and Use of Estimates The accompanying consolidated financial statements include the accounts of Sound Financial Bancorp and its wholly-owned subsidiary Sound Community Bank. All significant intercompany balances and transactions between Sound Financial Bancorp and its subsidiary have been eliminated in consolidation. Cash and cash equivalents Investment securities Unrealized gains and losses, net of the related deferred tax effect, are reported as a net amount in the Accumulated Other Comprehensive Income (Loss). Realized gains and losses on AFS securities, determined using the specific identification method, are included in earnings. Amortization of premiums and accretion of discounts are recognized as adjustments to interest income using the interest method over the period to maturity. The Company reviews investment securities on an ongoing basis for the presence of other-than-temporary impairment (“OTTI”) or permanent impairment, taking into consideration current market conditions, fair value in relation to cost, extent and nature of the change in fair value, issuer rating changes and trends, whether the Company intend to sell a security or if it is likely that the Company will be required to sell the security before recovery of its amortized cost basis of the investment, which may be maturity, and other factors. For debt securities, if the Company intends to sell the security or it is likely that it will be required to sell the security before recovering its cost basis, the entire impairment loss would be recognized in earnings as an OTTI. If the Company does not intend to sell the security and it is not likely that we will be required to sell the security but we do not expect to recover the entire amortized cost basis of the security, only the portion of the impairment loss representing credit losses would be recognized in earnings. The credit loss on a security is measured as the difference between the amortized cost basis and the present value of the cash flows expected to be collected. Projected cash flows are discounted by the original or current effective interest rate depending on the nature of the security being measured for potential OTTI. The remaining impairment related to all other factors, the difference between the present value of the cash flows expected to be collected and the fair value, is recognized as a charge to other comprehensive income (“OCI”). The Company does not intend to sell these securities and it is more likely than not that it will not be required to sell the securities before anticipated recovery of the remaining amortized cost basis. The Company closely monitors its investment securities for changes in credit risk. The current market environment significantly limits the Company’s ability to mitigate its exposure to valuation changes in these securities by selling them. Accordingly, if market conditions deteriorate further and the Company determines its holdings of these or other investment securities are OTTI, its future earnings, stockholders’ equity, regulatory capital and continuing operations could be materially adversely affected. Loans held-for-sale Loans Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for any charge-offs, the allowance for loan losses, and any deferred fees or costs on origination of loans. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method over the contractual life of the loan for term loans or the straight-line method for open ended loans. The accrual of interest is discontinued at the time the loan is three months past due or if, in management’s opinion, the borrower may be unable to meet payment of obligations as they become due, as well as when required by regulatory provisions. Loans are typically charged off no later than 120 days past due, unless secured by collateral. Past due status is based on contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all of the principal and interest amounts contractually due are brought current, future payments are reasonably assured and payments have been received for twelve consecutive months. A loan is considered impaired when it is probable that the Company will be unable to collect all amounts (principal and interest) due according to the contractual terms of the original loan agreement. When a loan has been identified as being impaired, the amount of the impairment is measured by using discounted cash flows, except when, as a practical expedient, the current fair value of the collateral, reduced by costs to sell, is used. When the measurement of the impaired loan is less than the recorded investment in the loan (including accrued interest), impairment is recognized by charging off the impaired portion or creating or adjusting a specific allocation of the allowance for loan losses. A loan is classified as a troubled debt restructuring (“TDR”) when certain concessions have been made to the contractual terms, such as reductions of interest rates or deferrals of interest or principal payments due to the borrower’s deteriorated financial condition. All TDRs are reported and accounted for as impaired loans. Allowance for loan losses The allowance for loan losses is maintained at a level sufficient to provide for probable credit losses based upon evaluating known and inherent risks in the loan portfolio. The allowance is provided based upon management’s continuing analysis of the pertinent factors underlying the quality of the loan portfolio. These factors include changes in the size and composition of the loan portfolio, delinquency levels, actual loan loss experience, current economic conditions, and detailed analysis of individual loans for which full collectability may not be assured. The detailed analysis includes techniques to estimate the fair value of loan collateral and the existence of potential alternative sources of repayment. The allowance consists of specific, general, and unallocated components. The specific component relates to loans that are classified as doubtful, substandard, or special mention. The Company considers installment loans to be pools of smaller balance, homogenous loans that are collectively evaluated for impairment, unless such loans are subject to a TDR agreement. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan are lower than the carrying value of that loan. The general component covers non-classified loans and is based upon historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. The appropriateness of the allowance for loan losses is estimated based upon those factors and trends identified by management at the time consolidated financial statements are prepared. When available information confirms that specific loans or portions thereof are uncollectible, identified amounts are charged against the allowance for loan losses. The existence of some or all of the following criteria will generally confirm that a loss has been incurred: the loan is significantly delinquent and the borrower has not demonstrated the ability or intent to bring the loan current; the Company has no recourse to the borrower, or if it does, the borrower has insufficient assets to pay the debt; the estimated fair value of the loan collateral is significantly below the current loan balance, and there is little or no near-term prospect for improvement. The ultimate recovery of all loans is susceptible to future market factors beyond the Company’s control. These factors may result in losses or recoveries differing significantly from those provided in the consolidated financial statements. In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses, and may require the Company to make additions to the allowance based on their judgment about information available to them at the time of their examinations. Transfers of financial assets Mortgage servicing rights (“MSR”) Premises and equipment Bank-owned life insurance, net Federal Home Loan Bank stock Other real estate owned and repossessed assets In some instances, the Company may make loans to facilitate the sales of OREO. Management reviews all sales for which it is the lending institution. Any gains related to sales of other real estate owned may be deferred until the buyer has a sufficient investment in the property. Income Taxes Segment reporting Off-balance-sheet credit-related financial instruments Advertising costs Comprehensive income Intangible assets Employee stock ownership plan Unearned ESOP shares are shown as a reduction of stockholders’ equity. When the shares are released, unearned common shares held by the ESOP are reduced by the cost of the ESOP shares released and the differential between the fair value and the cost is charged to additional paid in capital. The loan receivable from the ESOP to the Company is not reported as an asset nor is the debt of the ESOP reported as a liability on the Company’s Consolidated Statements of Condition. Earnings Per Common Share Fair value Fair values of the Company’s financial instruments are based on the fair value hierarchy which requires an entity to maximize the use of observable inputs, typically market data obtained from third parties, and minimize the use of unobservable inputs, which reflects its estimates for market assumptions, when measuring fair value. Three levels of valuation inputs are ranked in accordance with the prescribed fair value hierarchy as follows: Level 1: Level 2: Level 3: In determining the appropriate levels, the Company performs a detailed analysis of the assets and liabilities that are subject to fair value measurements. In certain cases, the inputs used to measure fair value of an asset or liability may fall into different levels of the fair value hierarchy. The level within which the fair value measurement is categorized is based on the lowest level unobservable input that is significant to the fair value measurement in its entirety. Therefore, an item may be classified in Level 3 even though there may be some significant inputs that are readily observable. Share-Based Compensation Reclassifications

Accounting Pronouncements Recen

Accounting Pronouncements Recently Issued or Adopted	12 Months Ended
	Dec. 31, 2015
Accounting Pronouncements Recently Issued or Adopted [Abstract]
Accounting Pronouncements Recently Issued or Adopted	Note 2 – Accounting Pronouncements Recently Issued or Adopted In June 2015, FASB issued ASU No. 2015-10, Technical Corrections and Improvements. On November 10, 2010 FASB added a standing project that will facilitate the FASB Accounting Standards Codification (‘Codification”) updates for technical corrections, clarifications, and improvements. These amendments are referred to as Technical Corrections and Improvements. Maintenance updates include non-substantive corrections to the Codification, such as editorial corrections, various link-related changes, and changes to source fragment information. This update contains amendments that will affect a wide variety of Topics in the Codification. The amendments in this ASU will apply to all reporting entities within the scope of the affected accounting guidance and generally fall into one of four categories: amendments related to differences between original guidance and the Codification, guidance clarification and reference corrections, simplification, and minor improvements. In summary, the amendments in this ASU represent changes to clarify the Codification, correct unintended application of guidance, or make minor improvements to the Codification that are not expected to have a significant effect on current accounting practice. Transition guidance varies based on the amendments in this ASU. The amendments in this ASU that require transition guidance are effective for fiscal years and interim reporting periods after December 15, 2015. Early adoption is permitted including adoption in an interim period. All other amendments are effective upon the issuance of this ASU. ASU 2015-10 did not have a material impact on the Company's consolidated financial statements. In July 2015, the FASB issued ASU No. 2015-14, Revenue from Contracts with Customers, deferring the effective date of the new revenue standard by one year. The standard also allows entities to choose to adopt the standard as of the original effective date. The FASB decided, based on its outreach to various stakeholders and the forthcoming amendments to the new revenue standard, that a deferral is necessary to provide adequate time to effectively implement the new revenue standard. In August 2015, the FASB issued ASU No. 2015-15, Interest—Imputation of Interest (Subtopic 835-30), Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements. The ASU provides guidance not previously included in ASU 2015-03 regarding debt issuance related to line-of-credit arrangements. The amendment allows an entity to present debt issuance costs as an asset and subsequently amortize the deferred debt issuance costs over the term of the line-of-credit arrangement, regardless if there are any outstanding borrowings on the line-of-credit arrangement. The amendment is effective for fiscal years beginning after December 15, 2015. This ASU is not expected to have a material effect on the Company's consolidated financial statements. In September 2015, the FASB issued ASU No. 2015-16, Business Combinations (Topic 805). The ASU simplifies the accounting for measurement period adjustments. The amendments require that an acquirer recognize adjustments to provisional amounts that are identified during the measurement period in the reporting period when the adjustment amounts are determined. The acquirer is required to record in the same period's financial statements the effect on earnings from changes in depreciation, amortization, or other income effects resulting from the change to provisional amounts, calculated as if the accounting had been completed at the acquisition date. The acquirer must present separately on the income statement, or disclose in the notes, the amount recorded in current-period earnings that would have been recorded in previous reporting periods if the provisional amount had been recognized at the acquisition date. For public business entities, the amendments are effective for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. This ASU is not expected to have a material effect on the Company's consolidated financial statements. In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments - Overall (Subtopic 825-10), Recognition and Measurement of Financial Assets and Financial Liabilities. The new guidance is intended to improve the recognition and measurement of financial instruments. This ASU requires equity investments (except those accounted for under the equity method of accounting, or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income. In addition, the amendment requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes and requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements. This ASU also eliminates the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet. The amendment also requires a reporting organization to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument specific credit risk (also referred to as “own credit”) when the organization has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. ASU No. 2016-01 is effective for financial statements issued for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. Early adoption is permitted for certain provisions. The Company is currently evaluating the impact of this ASU on the Company's consolidated financial statements. In February 2016, FASB issued ASU No. 2016-02, Leases (Topic 842). ASU No. 2016-02 requires lessees to recognize on the balance sheet the assets and liabilities arising from operating leases. A lessee should recognize a liability to make lease payments and a right-of-use asset representing its right to use the underlying asset for the lease term. A lessee should include payments to be made in an optional period only if the lessee is reasonably certain to exercise an option to extend the lease or not to exercise an option to terminate the lease. For a finance lease, interest payments should be recognized separately from amortization of the right-of-use asset in the statement of comprehensive income. For operating leases, the lease cost should be allocated over the lease term on a generally straight-line basis. The amendments in ASU 2016-02 are effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early application of the amendments in the ASU is permitted. The adoption of ASU 2016-02 is not expected to have a material impact on the Company's consolidated financial statements.

Restricted Cash

Restricted Cash	12 Months Ended
	Dec. 31, 2015
Restricted Cash [Abstract]
Restricted Cash	Note 3 – Restricted Cash Federal Reserve Board regulations require that the Company maintain certain minimum reserve balances either as cash on hand or on deposit with the Federal Reserve Bank, based on a percentage of deposits. The reserve balances were $4.6 million and $3.3 at December 31, 2015 and 2014, respectively.

Investments

Investments	12 Months Ended
	Dec. 31, 2015
Investments [Abstract]
Investments	Note 4 – Investments The amortized cost and fair value of AFS securities and the corresponding amounts of gross unrealized gains and losses at December 31, 2015 and 2014 were as follows (in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value December 31, 2015 Municipal bonds $ 1,912 $ 184 $ — $ 2,096 Agency mortgage-backed securities 4,088 102 (18 ) 4,172 Non-agency mortgage-backed securities 449 — (21 ) 428 Total $ 6,449 $ 286 $ (39 ) $ 6,696 December 31, 2014 Municipal bonds $ 1,911 $ 172 $ — $ 2,083 Agency mortgage-backed securities 7,024 110 (38 ) 7,096 Non-agency mortgage-backed securities 2,312 83 (50 ) 2,345 Total $ 11,247 $ 365 $ (88 ) $ 11,524 The amortized cost and fair value of mortgage-backed securities by contractual maturity, at December 31, 2015, are shown below (in thousands). Expected maturities of mortgage-backed securities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. December 31, 2015 Amortized Cost Fair Value Due in less than one year $ 94 $ 95 Due in one to five years 2,605 2,707 Due after five to ten years 1,649 1,649 Due after ten years 2,101 2,245 Total $ 6,449 $ 6,696 There were no pledged securities at December 31, 2015. There were no sales of AFS securities for the years ended December 31, 2015 or 2014. The following table summarizes at December 31, 2015 and 2014 the aggregate fair value and gross unrealized loss by length of time those investments have been continuously in an unrealized loss position (in thousands): December 31, 2015 Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Agency mortgage-backed securities $ — $ — $ 1,370 $ (18 ) $ 1,370 $ (18 ) Non-agency mortgage-backed securities — — 428 (21 ) 428 (21 ) Total $ — $ — $ 1,798 $ (39 ) $ 1,798 $ (39 ) December 31, 2014 Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Agency mortgage-backed securities $ 627 $ (6 ) $ 2,216 $ (32 ) $ 2,843 $ (38 ) Non-agency mortgage-backed securities — — 507 (50 ) 507 (50 ) Total $ 627 $ (6 ) $ 2,723 $ (82 ) $ 3,350 $ (88 ) The following table presents at December 31, 2015 and 2014 the cumulative roll forward of credit losses recognized in earnings relating to the Company’s non-U.S. agency mortgage backed securities (in thousands): Year Ended December 31, 2015 2014 Estimated credit losses, beginning balance $ 450 $ 450 Additions for credit losses not previously recognized — — Reduction for increases in cash flows — — Removal of credit losses due to securities sold (450 ) — Estimated credit losses, ending balance $ — $ 450 At December 31, 2015, the securities portfolio consisted of 12 agency mortgage-backed securities, one non-agency mortgage-backed security and five municipal securities with a fair value of $6.7 million. At December 31, 2014, the securities portfolio consisted of 15 agency mortgage-backed securities, five non-agency mortgage-backed securities and five municipal bonds with a fair value of $11.5 million. At December 31, 2015, one of the 12 agency mortgage-backed securities were in an unrealized loss position compared to three of the 15 agency mortgage-backed securities at December 31, 2014. All of the agency mortgage-backed securities in an unrealized loss position at December 31, 2015 and December 31, 2014 were issued or guaranteed by U.S. governmental agencies. The unrealized losses were caused by changes in market interest rates or the widening of market spreads subsequent to the initial purchase of these securities, and not related to the underlying credit of the issuers or the underlying collateral. It is expected that these securities will not be settled at a price less than the amortized cost of each investment. Because the decline in fair value is attributable to changes in interest rates or widening market spreads and not credit quality, and because the Company does not intend to sell the securities in this class and it is not likely that it will be required to sell these securities before recovery of their amortized cost basis, which may include holding each security until contractual maturity, the unrealized losses on these investments are not considered an OTTI. As of December 31, 2015 and 2014, one non-agency mortgage-backed security was in an unrealized loss position. The unrealized loss was caused by changes in interest rates and market illiquidity causing a decline in the fair value subsequent to the purchase. The contractual terms of this security do not permit the issuer to settle the security at a price less than par. While management does not intend to sell the non-agency mortgage-backed security, and it is unlikely that the Company will be required to sell this security before recovery of its amortized cost basis, management's impairment evaluation indicates that this security possesses quantitative factors that suggest an OTTI. These factors include, but are not limited to: the length of time and extent of the fair value declines, ratings agency down grades, the potential for an increased level of actual defaults, and the extension in duration of the securities. Based upon the results of the evaluation of the quantitative and qualitative factors, no non-agency mortgage-backed security reflected OTTI during the year ended December 31, 2015.

Loans

Loans	12 Months Ended
	Dec. 31, 2015
Loans [Abstract]
Loans	Note 5 – Loans The composition of the loan portfolio, excluding loans held-for-sale, at December 31, 2015 and 2014 is as follows (in thousands): At December 31, 2015 2014 Real estate loans: One- to four-family $ 141,125 $ 133,031 Home equity 31,573 34,675 Commercial and multifamily 175,312 168,952 Construction and land 57,043 46,279 Total real estate loans 405,053 382,937 Consumer loans: Manufactured homes 13,798 12,539 Other consumer 23,030 16,875 Total consumer loans 36,828 29,414 Commercial business loans 19,295 19,525 Total loans 461,176 431,876 Deferred fees (1,707 ) (1,516 ) Total loans, gross 459,469 430,360 Allowance for loan losses (4,636 ) (4,387 ) Total loans, net $ 454,833 $ 425,973 The following table presents the balance in the allowance for loan losses and the unpaid principal balance in loans, net of partial charge-offs by portfolio segment and based on impairment method as of December 31, 2015 (in thousands): One-to- four family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Unallocated Total Allowance for loan losses: Individually evaluated for impairment $ 647 $ 110 $ 36 $ 18 $ 63 $ — $ 8 $ — $ 882 Collectively evaluated for impairment 1,192 497 885 364 238 188 149 241 3,754 Ending balance $ 1,839 $ 607 $ 921 $ 382 $ 301 $ 188 $ 157 $ 241 $ 4,636 Loans receivable: Individually evaluated for impairment $ 5,779 $ 904 $ 1,966 $ 91 $ 361 $ 5 $ 114 $ — $ 9,220 Collectively evaluated for impairment 135,346 30,669 173,346 56,952 13,437 23,025 19,181 — 451,956 Ending balance $ 141,125 $ 31,573 $ 175,312 $ 57,043 $ 13,798 $ 23,030 $ 19,295 $ — $ 461,176 The following table presents the balance in the allowance for loan losses and the unpaid principal balance in loans, net of partial charge-offs by portfolio segment and based on impairment method as of December 31, 2014 (in thousands): One-to- four family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Unallocated Total Allowance for loan losses: Individually evaluated for impairment $ 258 $ 28 $ 8 $ 14 $ 41 $ 18 $ — $ — $ 367 Collectively evaluated for impairment 1,184 573 1,236 385 152 149 108 233 4,020 Ending balance $ 1,442 $ 601 $ 1,244 $ 399 $ 193 $ 167 $ 108 $ 233 $ 4,387 Loans receivable: Individually evaluated for impairment $ 4,186 $ 1,247 $ 2,956 $ 180 $ 404 $ 51 $ 124 $ — $ 9,148 Collectively evaluated for impairment 128,845 33,428 165,996 46,099 12,135 16,824 19,401 — 422,728 Ending balance $ 133,031 $ 34,675 $ 168,952 $ 46,279 $ 12,539 $ 16,875 $ 19,525 $ — $ 431,876 The following table summarizes the activity in loan losses for the year ended December 31, 2015 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to-four family $ 1,442 $ (21 ) $ — $ 418 $ 1,839 Home equity 601 (35 ) 36 5 607 Commercial and multifamily 1,244 — — (323 ) 921 Construction and land 399 (40 ) — 23 382 Manufactured homes 193 (37 ) 8 137 301 Other consumer 167 (77 ) 15 83 188 Commercial business 108 — — 49 157 Unallocated 233 — — 8 241 $ 4,387 $ (210 ) $ 59 $ 400 $ 4,636 The following table summarizes the activity in loan losses for the year ended December 31, 2014 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to-four family $ 1,915 $ (127 ) $ 64 $ (410 ) $ 1,442 Home equity 781 (295 ) 52 63 601 Commercial and multifamily 300 (47 ) 2 989 1,244 Construction and land 318 — — 81 399 Manufactured homes 209 (197 ) 14 167 193 Other consumer 109 (77 ) 21 114 167 Commercial business 102 — — 6 108 Unallocated 443 — — (210 ) 233 $ 4,177 $ (743 ) $ 153 $ 800 $ 4,387 Credit Quality Indicators. When the Company classifies problem loans as either substandard or doubtful, it may establish a specific allowance in an amount it deems prudent to address the risk specifically (if the loan is impaired) or it may allow the loss to be addressed in the general allowance (if the loan is not impaired). General allowances represent loss reserves which have been established to recognize the inherent risk associated with lending activities, but which, unlike specific allowances, have not been specifically allocated to particular problem assets. When the Company classifies problem loans as a loss, it charges off such assets in the period in which they are deemed uncollectible. Assets that do not currently expose the Company to sufficient risk to warrant classification as substandard or doubtful but possess identified weaknesses are classified as either watch or special mention assets. The Company’s determination as the classification of its assets and the amount of its valuation allowances is subject to review by the FDIC, which can order the establishment of additional loss allowances. Pass rated loans are loans that are not otherwise classified or criticized. The following table represents the internally assigned grades as of December 31, 2015 by type of loan (in thousands): One-to- four family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Grade: Pass $ 136,879 $ 30,310 $ 169,072 $ 55,984 $ 13,621 $ 22,967 $ 18,449 $ 447,282 Watch 1,015 609 4,810 1,059 96 58 846 8,493 Special Mention 1,409 — 1,430 — 33 — — 2,872 Substandard 1,822 654 — — 48 5 — 2,529 Doubtful — — — — — — — — Loss — — — — — — — — Total $ 141,125 $ 31,573 $ 175,312 $ 57,043 $ 13,798 $ 23,030 $ 19,295 $ 461,176 The following table represents the internally assigned grades as of December 31, 2014 by type of loan (in thousands): One-to- four family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Grade: Pass $ 120,152 $ 30,785 $ 163,573 $ 45,427 $ 11,427 $ 16,587 $ 18,919 $ 406,870 Watch 11,793 3,322 3,740 852 1,038 240 606 21,591 Special Mention — — — — 24 — — 24 Substandard 1,086 568 1,639 — 50 48 — 3,391 Doubtful — — — — — — — — Loss — — — — — — — — Total $ 133,031 $ 34,675 $ 168,952 $ 46,279 $ 12,539 $ 16,875 $ 19,525 $ 431,876 Nonaccrual and Past Due Loans The following table presents the recorded investment in nonaccrual loans as of December 31, 2015 and 2014 by type of loan (in thousands): 2015 2014 One- to four- family $ 1,157 $ 1,092 Home equity 344 258 Construction and land — 81 Manufactured homes 27 6 Other consumer — 27 Total $ 1,528 $ 1,464 The following table represents the aging of the recorded investment in past due loans as of December 31, 2015 by type of loan (in thousands): 30-59 Days Past Due 60-89 Days Past Due Greater Than 90 Days Past Due Recorded Investment > 90 Days and Accruing Total Past Due Current Total Loans One-to-four family $ 2,453 $ 265 $ 881 $ 117 $ 3,716 $ 137,409 $ 141,125 Home equity 352 60 296 — 708 30,865 31,573 Commercial and multifamily 203 — — — 203 175,109 175,312 Construction and land 65 — — — 65 56,978 57,043 Manufactured homes 103 27 — — 130 13,668 13,798 Other consumer 17 26 — — 43 22,987 23,030 Commercial business 154 8 — — 162 19,133 19,295 Total $ 3,347 $ 386 $ 1,177 $ 117 $ 5,027 $ 456,149 $ 461,176 The following table represents the aging of the recorded investment in past due loans as of December 31, 2014 by type of loan (in thousands): 30-59 Days Past Due 60-89 Days Past Due Greater Than 90 Days Past Due Recorded Investment > 90 Days and Accruing Total Past Due Current Total Loans One-to-four family $ 1,300 $ 167 $ 720 $ — $ 2,187 $ 130,844 $ 133,031 Home equity 585 109 203 — 897 33,778 34,675 Commercial and multifamily — — — — — 168,952 168,952 Construction and land — — 81 — 81 46,198 46,279 Manufactured homes 197 42 27 114 380 12,159 12,539 Other consumer 23 7 — — 30 16,845 16,875 Commercial business 430 — — — 430 19,095 19,525 Total $ 2,535 $ 325 $ 1,031 $ 114 $ 4,005 $ 427,871 $ 431,876 Nonperforming Loans. The following table represents the credit risk profile based on payment activity as of December 31, 2015 by type of loan (in thousands): One- to four- family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Performing $ 139,484 $ 31,146 $ 175,312 $ 57,043 $ 13,736 $ 23,030 $ 19,295 $ 454,137 Nonperforming 1,640 428 — 62 — — 2,130 Total $ 141,125 $ 31,573 $ 175,312 $ 57,043 $ 13,798 $ 23,030 $ 19,295 $ 461,176 The following table represents the credit risk profile based on payment activity as of December 31, 2014 by type of loan (in thousands): One- to four- family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Performing $ 131,519 $ 34,289 $ 167,313 $ 46,198 $ 12,344 $ 16,846 $ 19,525 $ 428,034 Nonperforming 1,512 386 1,639 81 195 29 — 3,842 Total $ 133,031 $ 34,675 $ 168,952 $ 46,279 $ 12,539 $ 16,875 $ 19,525 $ 431,876 Impaired Loans The following table presents loans individually evaluated for impairment as of December 31, 2015 by type of loan (in thousands): Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: One- to four- family $ 499 $ 615 $ — $ 1,390 $ 23 Home equity 162 162 — 341 7 Commercial and multifamily 1,430 1,430 — 1,051 80 Construction and land — — — 40 — Manufactured homes — — — 52 — Other consumer — — — 28 — Commercial business — — — 61 — Total 2,091 2,207 — 2,963 110 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With an allowance recorded: One- to four- family 5,280 5,396 647 3,686 246 Home equity 742 832 110 748 30 Commercial and multifamily 536 536 36 1,357 10 Construction and land 91 91 18 106 5 Manufactured homes 361 366 63 332 29 Other consumer 5 5 — 11 1 Commercial business 114 114 8 68 6 Total 7,129 7,340 882 6,308 327 Totals: One- to four- family 5,779 6,011 647 5,076 269 Home equity 904 994 110 1,089 37 Commercial and multifamily 1,966 1,966 36 2,408 90 Construction and land 91 91 18 146 5 Manufactured homes 361 366 63 384 29 Other consumer 5 5 — 39 1 Commercial business 114 114 8 129 6 Total $ 9,220 $ 9,547 $ 882 $ 9,271 $ 437 The following table presents loans individually evaluated for impairment as of December 31, 2014 by type of loan (in thousands): Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: One- to four- family $ 2,096 $ 2,340 $ — $ 1,314 $ 83 Home equity 494 555 — 370 17 Commercial and multifamily 1,492 1,542 — 1,743 74 Construction and land 100 100 — 61 1 Manufactured homes 87 94 — 93 7 Other consumer 21 21 — 19 3 Commercial business 124 124 — 230 6 Total 4,414 4,776 — 3,830 191 With an allowance recorded: One- to four- family 2,090 2,090 258 3,082 93 Home equity 753 847 28 1,053 30 Commercial and multifamily 1,464 1,464 8 1,592 72 Construction and land 80 80 14 134 4 Manufactured homes 317 317 41 433 24 Other consumer 30 30 18 23 2 Commercial business — — — 83 — Total 4,734 4,828 367 6,400 225 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized Totals: One- to four- family 4,186 4,430 258 4,396 176 Home equity 1,247 1,402 28 1,423 47 Commercial and multifamily 2,956 3,006 8 3,335 146 Construction and land 180 180 14 195 5 Manufactured homes 404 411 41 526 31 Other consumer 51 51 18 42 5 Commercial business 124 124 — 313 6 Total $ 9,148 $ 9,604 $ 367 $ 10,230 $ 416 Forgone interest on nonaccrual loans was $104,000 and $78,000 at December 31, 2015 and 2014, respectively. There were no commitments to lend additional funds to borrowers whose loans were classified as nonaccrual, TDR or impaired at December 31, 2015 and 2014. Troubled debt restructurings. Rate Modification Term Modification Payment Modification Combination Modification The following table presents new TDRs by type of modification that occurred during the year ended December 31, 2015 (dollars in thousands): Twelve months ended December 31, 2015 Number of Contracts Rate Modifications Term Modifications Payment Modifications Combination Modifications Total Modifications Commercial and multifamily 1 $ — $ — $ — $ 368 $ 368 Total 1 $ — $ — $ — $ 368 $ 368 The following table presents new TDRs by type of modification that occurred during the year ended December 31, 2014 (dollars in thousands): Twelve months ended December 31, 2014 Number of Contracts Rate Modifications Term Modifications Payment Modifications Combination Modifications Total Modifications One- to four- family 2 $ — $ — $ — $ 407 $ 407 Home equity 2 — — — 74 74 Commercial and multifamily 1 — — — 1,464 1,464 Total 5 $ — $ — $ — $ 1,945 $ 1,945 There were no post-modification changes for the unpaid principal balance in loans, net of partial charge-offs, that were recorded as a result of the TDRs for the years ended December 31, 2015 and 2014. The following table represents loans modified as TDRs for which there was a payment default within the first 12 months of modification during the twelve months ended December 31, 2015 and 2014 (in thousands): 2015 2014 One- to four- family $ — $ 174 Home equity — — Total $ — $ 174 For the preceding table, a loan was considered in default when a payment was 31 days past due. None of the defaults reached 90 days past due at December 31, 2015 or 2014. At December 31, 2015, six TDRs for $533,000 were on nonaccrual and none were 60-89 days past due. At December 31, 2014, one TDR for $55,000 was on nonaccrual but current on payments and two TDRs totaling $276,000 were 60-89 days past due. The Company had no commitments to extend additional credit to borrowers owing receivables whose terms have been modified in TDRs. All TDRs are also classified as impaired loans and are included in the loans individually evaluated for impairment in the calculation of the allowance for loan losses. In the ordinary course of business, the Company makes loans to its directors and officers. Certain loans to directors, officers, and employees are offered at discounted rates as compared to other customers as permitted by federal regulations. Employees, officers, and directors are eligible for mortgage loans with an adjustable rate that resets annually to 1% over the rolling cost of funds. Employees and officers are eligible for consumer loans that are 1% below the market loan rate at the time of origination. Director and officer loans are summarized as follows (in thousands): December 31, 2015 2014 Balance, beginning of period $ 4,675 $ 5,214 Advances 69 49 New / (retired) loans, net 174 (381 ) Repayments (826 ) (207 ) Balance, end of period $ 4,093 $ 4,675 At December 31, 2015 and 2014, respectively, loans totaling $7.8 million and $15.5 million represent real estate secured loans that had current loan-to-value ratios above supervisory guidelines.

Mortgage Servicing Rights

Mortgage Servicing Rights	12 Months Ended
	Dec. 31, 2015
Mortgage Servicing Rights [Abstract]
Mortgage Servicing Rights	Note 6 – Mortgage Servicing Rights The unpaid principal balances of loans serviced for Federal National Mortgage Association (FNMA) at December 31, 2015 and 2014, totaled approximately $360.4 million and $357.8 million, respectively, and are not included in the Company’s consolidated financial statements. The Company also services loans for other financial institutions. The unpaid principal balances of loans serviced for other financial institutions at December 31, 2015 and 2014, totaled approximately $9.4 million and $14.2 million, respectively, and was not included in the Company’s financial statements. A summary of the change in the balance of mortgage servicing assets at December 31, 2015 and 2014 is as follows (in thousands): Year Ended December 31, 2015 2014 Beginning balance, at fair value $ 3,028 $ 2,984 Servicing rights that result from transfers of financial assets 679 505 Changes in fair value: Due to changes in model inputs or assumptions (1) 210 328 Other (2) (668 ) (789 ) Ending balance, at fair value $ 3,249 $ 3,028 (1) Represents changes in discount rates and prepayment speed assumptions, which are primarily affected by changes in interest rates. (2) Represents changes due to collection or realization of expected cash flows over time. The key economic assumptions used in determining the fair value of mortgage servicing rights were as follows: At December 31, 2015 2014 Prepayment speed (PSA) 178 % 216 % Weighted-average life (years) 6.7 5.9 Yield to maturity discount rate 10.0 % 10.0 % The amount of contractually specified servicing, late and ancillary fees earned, recorded in mortgage servicing income on the Consolidated Statements of Income was $840,000 and $509,000, for the years ended December 31, 2015 and 2014, respectively.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2015
Premises and Equipment [Abstract]
Premises and Equipment	Note 7 – Premises and Equipment Premises and equipment at December 31, 2015 and 2014 are summarized as follows (in thousands): At December 31, 2015 2014 Land $ 653 $ 653 Buildings and improvements 4,739 5,390 Furniture and equipment 2,752 1,702 Less: Accumulated depreciation and amortization (2,809 ) (2,190 ) Premises and equipment, net $ 5,335 $ 5,555 Depreciation and amortization expense was $620,000 and $555,000, for the years ended December 31, 2015 and 2014, respectively. The Company leases office space in several buildings. Generally, operating leases contain renewal options and provisions requiring the Company to pay property taxes and operating expenses over base period amounts. All rental payments are dependent only upon the lapse of time. Minimum rental payments under non-cancelable operating leases with initial or remaining terms of one year or more are as follows (in thousands): Year ending December 31, Amount 2016 $ 1,101 2017 1,270 2018 933 2019 903 2020 858 Thereafter 6,981 $ 12,046 The total rental expense for the years ended December 31, 2015 and 2014 for all facilities leased under operating leases was approximately $877,000 and $873,000, respectively.

Other Real Estate Owned and Rep

Other Real Estate Owned and Repossessed Assets	12 Months Ended
	Dec. 31, 2015
Other Real Estate Owned and Repossessed Assets [Abstract]
Other Real Estate Owned and Repossessed Assets	Note 8 – Other Real Estate Owned and Repossessed Assets The following table presents activity related to OREO and other repossessed assets for the periods shown (in thousands): Year ended December 31, 2015 2014 Beginning balance $ 323 $ 1,178 Additions to OREO and repossessed assets 1,383 608 Capitalized improvements — 12 Pay downs/Sales (736 ) (1,447 ) Write-downs/Losses (201 ) (28 ) $ 769 $ 323

Deposits

Deposits	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Deposits	Note 9 – Deposits A summary of deposit accounts with the corresponding weighted average cost of funds at December 31, 2015 and 2014 are presented below (dollars in thousands): As of December 31, 2015 As of December 31, 2014 Deposit Balance Wtd Avg Rate Deposit Balance Wtd Avg Rate Noninterest-bearing demand $ 48,067 0.00 % $ 41,773 0.00 % Interest-bearing demand 127,392 0.42 103,048 0.43 Savings 38,833 0.18 33,233 0.16 Money market 54,046 0.16 55,236 0.27 Certificates 168,880 1.22 171,939 1.03 Escrow (1) 2,806 0.00 2,580 0.00 Total $ 440,024 0.63 % $ 407,809 0.60 % (1) Escrow balances shown in noninterest-bearing deposits on the consolidated balance sheets Scheduled maturities of time deposits at December 31, 2015 are as follows (in thousands): Year Ending December 31, Amount 2016 $ 100,780 2017 50,127 2018 11,687 2019 2,236 Thereafter 4,050 $ 168,880 Savings, demand, and money market accounts have no contractual maturity. Certificates of deposit have maturities of five years or less. The aggregate amount of time deposits in denominations of $250,000 or more at December 31, 2015 and 2014 was approximately $63.3 million and $54.5 million, respectively. Deposits in excess of $250,000 are not federally insured. There were $4.7 million and $5.0 million of brokered deposits at December 31, 2015 and 2014, respectively. Deposits from related parties held by the Company were $3.0 million and $2.2 million at December 31, 2015 and 2014, respectively.

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2015
Borrowings [Abstract]
Borrowings	Note 10 – Borrowings The Company utilizes a loan agreement with the FHLB of Des Moines. The terms of the agreement call for a blanket pledge of a portion of the Company’s mortgage, commercial and multifamily portfolio based on the outstanding balance. At December 31, 2015 and 2014, the amount available to borrow under this credit facility was $174.0 million and $133.3 million, respectively. At December 31, 2015, the credit facility was collateralized as follows: one- to four- family mortgage loans with a market value of $101.0 million, commercial and multifamily mortgage loans with a market value of $130.6 million and home equity loans with a market value of $8.0 million. The Company had outstanding borrowings under this arrangement of $40.4 million and $30.6 million at December 31, 2015 and 2014, respectively. Additionally, the Company had outstanding letters of credit from the FHLB with a notional amount of $47.5 million and 42.5 million at December 31, 2015 and December 31, 2014, respectively, to secure public deposits. The net remaining amount available as of December 31, 2015 and December 31, 2014, was $86.1 million and $60.3 million, respectively. Contractual principal repayments at the balance sheet date noted below of outstanding borrowings at December 31, 2015 are as follows (dollars in thousands): Year Ending December 31, Amount 2016 $ 40,143 2017 292 Total $ 40,435 The maximum amount outstanding from the FHLB under term advances at month end during 2015 was $45.0 million and during 2014 was $47.0 million. The average balance outstanding during 2015 was $24.6 million and during 2014 was $26.4 million. The weighted average interest rate on the borrowings was 0.43% in 2015 and 0.58% in 2014. The Company participates in the Federal Reserve Bank (“FRB”) Borrower-in-Custody program, which gives the Company access to the discount window. The terms of the program call for a pledge of specific assets. The Company had unused borrowing capacity of $25.9 million and $21.8 million and no outstanding borrowings under this program at December 31, 2015 and 2014, respectively. The Company has access to an unsecured line of credit from the Pacific Coast Banker’s Bank. The line has a two-year term maturing on June 30, 2016 and is renewable biannually. As of December 31, 2015, the amount available under this line of credit was $2.0 million. There was no balance on this line of credit as of December 31, 2015 and 2014, respectively. The Company has access to a Fed Funds line of credit from Zions Bank under a Fed Funds Sweep and Line Agreement established September 26, 2014. The agreement allows access to a Fed Funds Line of up to $9.0 million and requires the Company to maintain cash balances with Zions Bank of $250,000. The agreement has no maturity date. There was no balance on this line of credit as of December 31, 2015 and 2014, respectively. The Company has access to an unsecured line of credit from The Independent Bank (TIB). As of December 31, 2015, the amount available under this line of credit was $10.0 million. There was no balance on this line of credit as of December 31, 2015.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2015
Fair Value Measurements [Abstract]
Fair Value Measurements	Note 11 – Fair Value Measurements The following tables presents information about the level in the fair value hierarchy for the Company’s financial instruments as of December 31, 2015 and 2014 (in thousands): December 31, 2015 Fair Value Measurements Using: Carrying Value Estimated Fair Value Level 1 Level 2 Level 3 FINANCIAL ASSETS: Cash and cash equivalents $ 48,264 $ 48,264 $ 48,264 $ — $ — Available for sale securities 6,696 6,696 — 6,268 428 Loans held-for-sale 2,091 2,091 — 2,091 — Loans, net 454,833 454,854 — — 454,854 Accrued interest receivable 1,608 1,608 1,608 — — Mortgage servicing rights 3,249 3,249 — — 3,249 FHLB Stock 2,212 2,212 — — 2,212 FINANCIAL LIABILITIES: Non-maturity deposits 271,639 271,639 — 271,639 — Time deposits 168,881 168,091 — 168,091 — Borrowings 40,435 40,421 — 40,421 — Accrued interest payable 72 72 — 72 — December 31, 2014 Fair Value Measurements Using: Carrying Value Estimated Fair Value Level 1 Level 2 Level 3 FINANCIAL ASSETS: Cash and cash equivalents $ 29,289 $ 29,289 $ 29,289 $ — $ — Available for sale securities 11,524 11,524 — 9,179 2,345 Loans held-for-sale 810 828 — 828 — Loans, net 425,973 423,714 — — 423,714 Accrued interest receivable 1,497 1,497 1,497 — — Mortgage servicing rights 3,028 3,028 — — 3,028 FHLB Stock 2,224 2,224 — — 2,224 FINANCIAL LIABILITIES: Non-maturity deposits 235,870 235,870 — 235,870 — Time deposits 171,939 172,334 — 172,334 — Borrowings 30,578 30,534 — 30,534 — Accrued interest payable 76 76 — 76 — The following tables present the balance of assets measured at fair value on a recurring basis as of December 31, 2015 and 2014 (in thousands): Fair Value at December 31, 2015 Description Total Level 1 Level 2 Level 3 Municipal bonds $ 2,096 $ — $ 2,096 $ — Agency mortgage-backed securities 4,172 — 4,172 — Non-agency mortgage-backed securities 428 — — 428 Mortgage servicing rights 3,249 — — 3,249 Fair Value at December 31, 2014 Description Total Level 1 Level 2 Level 3 Municipal bonds $ 2,083 $ — $ 2,083 $ — Agency mortgage-backed securities 7,096 — 7,096 — Non-agency mortgage-backed securities 2,345 — — 2,345 Mortgage servicing rights 3,028 — — 3,028 For the year ended December 31, 2015 there were no transfers between Level 1 and Level 2 nor between Level 2 and Level 3. The following table provides a description of the valuation technique, unobservable input, and qualitative information about the unobservable inputs for the Company’s assets and liabilities classified as Level 3 and measured at fair value on a recurring basis at December 31, 2015: Financial Instrument Valuation Technique Unobservable Input(s) Range (Weighted Average) Mortgage Servicing Rights Discounted cash flow Prepayment speed 105-369% (178%) Discount rate 8%-12% (10%) Non-agency Discounted cash flow Discount rate 7%-9% (8%) The following table provides a description of the valuation technique, unobservable input, and qualitative information about the unobservable inputs for the Company’s assets and liabilities classified as Level 3 and measured at fair value on a recurring basis at December 31, 2014: Financial Instrument Valuation Technique Unobservable Input(s) Range (Weighted Average) Mortgage Servicing Rights Discounted cash flow Prepayment speed 95-462% (216%) Discount rate 8-12% (10%) Non-agency Discounted cash flow Discount rate 7%-9% (8%) Generally, any significant increases in the constant prepayment rate and discount rate utilized in the fair value measurement of the mortgage servicing rights will result in a negative fair value adjustment (and decrease in the fair value measurement). Conversely, a decrease in the constant prepayment rate and discount rate will result in a positive fair value adjustment (and increase in the fair value measurement). An increase in the weighted average life assumptions will result in a decrease in the constant prepayment rate and conversely, a decrease in the weighted average life will result in an increase of the constant prepayment rate. The following table provides a reconciliation of assets and liabilities (excluding mortgage servicing rights) measured at fair value using significant unobservable inputs (Level 3) on a recurring basis during the years ended December 31, 2015 and 2014 (in thousands): Year Ended December 31, 2015 2014 Beginning balance, at fair value $ 2,345 $ 2,419 OTTI impairment losses — — Sales and principal payments (2,375 ) (374 ) Change in unrealized loss 30 300 Ending balance, at fair value $ 428 $ 2,345 Mortgage servicing rights are measured at fair value using significant unobservable input (Level 3) on a recurring basis and a reconciliation of this asset can be found in Note 7 – Mortgage Servicing Rights. The following table presents the balance of assets measured at fair value on a nonrecurring basis and the total losses resulting from these fair value adjustments (in thousands): Fair Value at December 31, 2015 Description Total Level 1 Level 2 Level 3 OREO and repossessed assets $ 769 $ — $ — $ 769 Impaired loans 9,220 — — 9,220 Fair Value at December 31, 2014 Description Total Level 1 Level 2 Level 3 OREO and repossessed assets $ 323 $ — $ — $ 323 Impaired loans 9,148 — — 9,148 There were no liabilities carried at fair value, measured on a recurring or nonrecurring basis, at December 31, 2015 or December 31, 2014. The following table provides a description of the valuation technique, observable input, and qualitative information about the unobservable inputs for the Company’s assets and liabilities classified as Level 3 and measured at fair value on a nonrecurring basis at December 31, 2015: Financial Instrument Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) OREO Market approach Adjusted for difference 0-57% (7%) Impaired loans Market approach Adjusted for difference 0-100% (7%) The following table provides a description of the valuation technique, observable input, and qualitative information about the unobservable inputs for the Company’s assets and liabilities classified as Level 3 and measured at fair value on a nonrecurring basis at December 31, 2014: Financial Instrument Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) OREO Market approach Adjusted for difference 0-44% (12%) Impaired loans Market approach Adjusted for difference 0-100% (7%) A description of the valuation methodologies used for impaired loans and OREO is as follows: Impaired Loans OREO and Repossessed Assets The following methods and assumptions were used to estimate the fair value of financial instruments: Cash and cash equivalents, accrued interest receivable and payable AFS Securities Loans Held-for-Sale Loans Mortgage Servicing Rights FHLB stock Bank-owned Life Insurance Deposits Borrowings Off-balance-sheet financial instruments The Company assumes interest rate risk (the risk that general interest rate levels will change) as a result of its normal operations. As a result, the fair values of the Company’s financial instruments will change when interest rate levels change, which may be favorable or unfavorable to it. Management attempts to match maturities of assets and liabilities to the extent necessary or possible to minimize interest rate risk. However, borrowers with fixed-rate obligations are less likely to prepay in a rising rate environment and more likely to prepay in a falling rate environment. Conversely, depositors who are receiving fixed rates are more likely to withdraw funds before maturity in a rising rate environment and less likely to do so in a falling rate environment. Management monitors rates and maturities of assets and liabilities and attempts to minimize interest rate risk by establishing early withdrawal penalties for certificates of deposit, creating interest rate floors for certain variable rate loans, adjusting terms of new loans and deposits, by borrowing at fixed rates for fixed terms and investing in securities with terms that mitigate the Company’s overall interest rate risk.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Earnings Per Share	Note 12 – Earnings Per Share Basic earnings per common share is computed by dividing net income (which has been adjusted for distributed and undistributed earnings to participating securities) by the weighted-average number of common shares outstanding for the period, reduced for average unallocated ESOP shares and average unvested restricted stock awards. Unvested share-based awards that contain non-forfeitable rights to dividends or dividend equivalents (whether paid or unpaid) are participating securities and shall be included in the computation of earnings per share pursuant to the two-class method described in ASC 260-10-45-60B. Diluted earnings per common share reflects the potential dilution that could occur if securities or other contracts to issue common stock (such as stock awards and options) were exercised or converted to common stock, or resulted in the issuance of common stock that then shared in the Company’s earnings. Diluted earnings per common share is computed by dividing net income by the weighted-average number of common shares outstanding for the period increased for the dilutive effect of unexercised stock options and unvested restricted stock awards. The dilutive effect of the unexercised stock options and unvested restricted stock awards is calculated under the treasury stock method utilizing the average market value of the Company’s stock for the period. Therefore, under the two-class method, the difference in EPS is not significant for these participating securities. Earnings per share are summarized in the following table (all figures in thousands except earnings per share): Years Ended December 31, 2015 2014 Net income $ 4,790 $ 4,240 Weighted average number of shares outstanding, basic 2,492 2,513 Effect of potentially dilutive common shares (1) 88 89 Weighted average number of shares outstanding, diluted 2,579 2,602 Earnings per share, basic $ 1.92 $ 1.69 Earnings per share, diluted $ 1.86 $ 1.63 (1) Represents the effect of the assumed exercise of warrants, assumed exercise of stock options, vesting of non-participating restricted shares, and vesting of restricted stock units, based on the treasury stock method. There were no anti-dilutive securities at December 31, 2015 or 2014.

Employee Benefits

Employee Benefits	12 Months Ended
	Dec. 31, 2015
Employee Benefits [Abstract]
Employee Benefits	Note 13 – Employee Benefits The Company has a 401(k) pension plan that allows employees to defer a portion of their salary into the 401(k) plan. The Company matches a portion of employees’ salary deferrals. Pension costs are accrued and funded on a current basis. The Company contributed $135,000 and $112,000 to the plan for the years ended December 31, 2015 and 2014, respectively. The Company also offers a deferred compensation plan for designated senior managers, which provides benefits payable at age 65. Under certain circumstances, benefits are payable to designated beneficiaries. Contributions to the plan are discretionary, and monies set aside to fund the plan are currently held in certificate of deposit accounts at the Company and at December 31, 2015 and 2014 approximated $102,000 and $101,000, respectively. The Company made no contributions to the plan for the years ended December 31, 2015 and 2014. Supplemental Executive Retirement Plans. The Company maintains two supplemental executive retirement plans for the benefit of Ms. Stewart, which are intended to be unfunded, non-contributory defined benefit plans maintained primarily to provide her with supplemental retirement income. The first supplemental executive retirement plan (“SERP 1”) was effective as of August 2007. The second supplemental executive retirement plan (“SERP 2”) was effective as of December 30, 2011, at which time the benefits under SERP 1 were frozen. At that time, the Company also entered into a Confidentiality, Non-Competition, and Non-Solicitation Agreement with Ms. Stewart, which is discussed below. Under the terms of SERP 1, as amended, Ms. Stewart is entitled to receive $53,320 per year for life commencing on the first day of the month following her separation from service (as defined in SERP 1) for any reason from Sound Community Bank.No payments will be made under SERP 1 in the event of Ms. Stewart’s death and any payments that have commenced will cease upon death. In the event Ms. Stewart is involuntarily terminated in connection with a change in control (as defined in SERP 1), she will be entitled to receive the annual benefit described in the first sentence of this paragraph commencing upon such termination (subject to any applicable cutback for payments after a change in control as required by Section 280G of the Internal Revenue Code). Under the terms of SERP 2, as amended, upon Ms. Stewart’s termination of employment with Sound Community Bank for any reason other than death, she will be entitled to receive additional retirement benefits of $78,030 per year for life commencing on the first day of the month following the later of age 70 or her separation from service (as defined in SERP 2) from Sound Community Bank. In the event of Ms. Stewart’s death, her beneficiary will be entitled to a single lump sum payment within 90 days thereafter in an amount equal to the account value as of the death benefit valuation date, or approximately $978,000 at December 31, 2015. If a change in control occurs (as defined in SERP 2), Ms. Stewart will receive her full retirement benefit under SERP 2 commencing upon the first day of the month following her separation from service from Sound Community Bank. Confidentiality, Non-Competition, and Non-Solicitation Agreement. Effective December 30, 2011, Sound Community Bank entered into a Confidentiality, Non-competition, and Non-solicitation Agreement (the “Non-compete Agreement”) with Ms. Stewart. The Non-compete Agreement commences upon Ms. Stewart's termination of employment with us and expires upon the earlier of (a) 36 months from the date of Ms. Stewart’s separation from service (as defined in the Non-compete Agreement”) or (b) the date she begins receiving retirement benefits under the SERP 2, which time frame is referred to as the “Restricted Period.” In consideration of Ms. Stewart’s non-competition and non-solicitation obligations under the Non-compete Agreement Ms. Stewart will be entitled to receive a bi-monthly payment, in an amount equal to $3,541.67, which amount shall be paid in equal bi-monthly payments during the Restricted Period beginning on the fifth day of the month following her separation from service with Sound Community Bank, except if her termination of employment occurs for good reason (as defined in the Non-compete Agreement). In the event Ms. Stewart employment terminates for good reason, she will be entitled to receive an amount equal to 150 percent of her then-base salary plus the average of her past three years short term bonus pay, or approximately $649,000 at December 31, 2015, payable in 12 monthly installments beginning on the first day of the month following her termination. If Ms. Stewart terminates her employment with us for good reason within 24 months following a change in control (as defined in the Non-compete Agreement), Ms. Stewart will be entitled to receive the amount described in the preceding sentence, but payable in a lump sum. Ms. Stewart's benefits under the Non-compete Agreement are forfeited if she breaches the terms of the agreement. No payments will be made under the agreement if Ms. Stewart’s employment ceases on account of her disability or death (and payments that have commenced will cease upon death), or if she is otherwise ineligible to work in the financial product or services industry. Stock Options and Restricted Stock The Company currently has two existing Equity Incentive Plans, a 2008 Equity Inventive Plan (the”2008 Plan”) and a 2013 Equity Incentive Plan (the “2013 Plan”), and together with the 2008 Plan, (the “Plans”), both of which were approved by shareholders. The Plans permit the grant of restricted stock, restricted stock units, stock options, and stock appreciation rights. Under the 2008 Plan, 126,287 shares of common stock were approved for awards for stock options and stock appreciation rights and 50,514 shares of common stock were approved for awards for restricted stock and restricted stock units. Under the 2013 Plan, 141,750 shares of common stock were approved for awards for stock options and stock appreciation rights and 56,700 shares of common stock were approved for awards for restricted stock and restricted stock units. As of December 31, 2015, on an adjusted basis, awards for stock options totaling 226,885 shares and awards for restricted stock totaling 96,090 shares of Company common stock have been granted, net of any forfeitures, to participants in the Plan. During the years ended December 31, 2015 and 2014, share-based compensation expense totaled $418,000 and $333,000, respectively. Stock Option Awards All of the stock option awards granted under the Plans to date provide for the recipient’s award to vest in 20 percent annual increments commencing one year from the grant date. All of the options granted are exercisable for a period of 10 years from the date of grant, subject to vesting. 2015 grants vested 33.33% immediately with two-year vesting. The following is a summary of the Company’s stock option plan awards during the period ended December 31, 2015: Shares Weighted- Average Exercise Price Weighted- Average Remaining Contractual Term In Years Aggregate Intrinsic Value Outstanding at the beginning of the year 152,018 $ 13.30 7.21 $ 858,902 Granted 40,782 18.36 Exercised (7,187 ) 9.13 Forfeited (1,205 ) 16.80 Expired — — Outstanding at December 31, 2015 184,407 $ 14.56 6.97 $ 1,490,009 Exercisable 83,375 $ 12.20 5.51 $ 870,435 Expected to vest, assuming a 0% forfeiture rate over the vesting term 184,407 $ 14.56 6.97 $ 1,490,009 As of December 31, 2015, there was $579,000 of total unrecognized compensation cost related to non-vested stock options granted under the Plan. The cost is expected to be recognized over the remaining weighted-average vesting period of 1.45 years. The fair value of each option grant is estimated as of the grant date using the Black-Scholes option-pricing model. The fair value of options granted in 2015 was determined using the following weighted-average assumptions as of the grant date. Annual dividend yield 1.20% Expected volatility 24.80% Risk-free interest rate 1.35% Expected term 5.0 Years Weighted-average grant date fair value per option granted $3.83 Restricted Stock Awards The fair value of the restricted stock awards is equal to the fair value of the Company’s stock at the date of grant. Compensation expense is recognized over the vesting period that the awards are based. The restricted stock awards granted under the 2008 Plan to date provide for vesting in 20 percent annual increments commencing one year from the grant date. The restricted stock awards granted under the 2013 Plan to date vested 33.33% of a recipient’s award immediately with the full compensation expense associated with those shares recognized in the first quarter of 2015. The balance of an individual’s award under the 2013 Plan vests in two equal annual installments commencing one year from the grant date with the remaining compensation expense recognized over the two year vesting period of the remaining awards. The following is a summary of the Company’s non-vested restricted stock awards for the year ended December 31, 2015: Non-vested Shares Shares Weighted- Average Grant- Date Fair Value Per Share Aggregate Intrinsic Value Per Share Non-vested at January 1, 2015 33,243 $ 15.60 Granted 10,208 18.36 Vested (11,416 ) 16.03 Forfeited (482 ) 16.80 Expired — Non-vested at December 31, 2015 31,533 $ 16.32 $ 6.32 Expected to vest assuming a 0% forfeiture rate over the vesting term 31,533 $ 16.32 $ 6.32 As of December 31, 2015, there was $505,000 of unrecognized compensation cost related to non-vested restricted stock granted under the Plan. The cost is expected to be recognized over the weighted-average vesting period of 1.48 years. The total fair value of shares vested for the years ended December 31, 2015 and 2014 was $211,000 and $227,000, respectively. Employee Stock Ownership Plan In January 2008, the ESOP borrowed $1.2 million from the Company to purchase common stock of the Company. In August 2012, in conjunction with the Company’s conversion to a full stock company from the mutual holding company structure, the ESOP borrowed an additional $1.1 million from the Company to purchase common stock of the Company. Both loans are being repaid principally by the Bank through contributions to the ESOP over a period of ten years. The interest rate on the loans is fixed at 4.0% and 2.25%, per annum, respectively. As of December 31, 2015, the remaining balances of the ESOP loans were $270,000 and $701,000, respectively. Neither the loan balances nor the related interest expense are reflected on the condensed consolidated financial statements. At December 31, 2015, the ESOP was committed to release 21,443 shares of the Company’s common stock to participants and held 88,243 unallocated shares remaining to be released in future years. The fair value of the 193,670 restricted shares held by the ESOP trust was $4.4 million at December 31, 2015. ESOP compensation expense included in salaries and benefits was $448,000 and $388,000 for the years ended December 31, 2015 and 2014, respectively.

Acquisition of Columbia State B

Acquisition of Columbia State Bank Branches	12 Months Ended
	Dec. 31, 2015
Acquisition of Columbia State Bank Branches [Abstract]
Acquisition of Columbia State Bank Branches	Note 14 – Acquisition of Columbia State Bank Branches On August 25, 2014, the Bank completed its acquisition of three branches of Columbia State Bank (“Columbia”), located at 602 E. Front St., Port Angeles, WA 98362, 645 W. Washington St., Sequim, WA 98382, and 9500 Oak Bay Rd., Port Ludlow, WA 98365. These branch acquisitions were completed under a Purchase and Assumption Agreement between the Company and Columbia. In this transaction, the Company purchased loans, certain personal property and records at the former Columbia branches and the buildings and real estate at each location. These assets were acquired in exchange for the Bank's assumption of the deposits at the three branches, as well as the payment of a deposit premium of 2.35%. Following completion of the transaction, the Bank closed its Sequim branch location and consolidated it into the acquired Columbia Sequim branch location and closed the acquired Columbia branch office located in Port Angeles and consolidated those operations into the Bank’s existing Port Angeles branch. The acquisition was accounted for under the acquisition method of accounting in accordance with ASC Topic 805, Business Combinations. The assets acquired and liabilities assumed were recorded at fair value. Goodwill of approximately $7,000 resulted from the acquisition and is included in other assets in the consolidated balance sheet. The amount of goodwill is equal to the amount by which the fair value of liabilities assumed exceeded the fair value of assets purchased. There was no change to the provision for loan losses as a result of the branch acquisitions. Non-interest income included additional estimated income related to service charges on deposit accounts. Non-interest expense included additional estimated costs related to compensation, operations, occupancy and data processing. The revenue and earnings since the acquisition date (August 25, 2014) included in the consolidated financial statements as of and for the period ended December 31, 2015, are not considered significant.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Income Taxes	Note 15 – Income Taxes The provision for income taxes at December 31, 2015 and 2014 was as follows (in thousands): At December 31, 2015 2014 Current $ 2,648 $ 2,475 Deferred (359 ) (137 ) Total tax expense $ 2,289 $ 2,338 A reconciliation of the provision for income taxes for the years ended December 31, 2015 and 2014 with amounts determined by applying the statutory U.S. federal income tax rate to income before income taxes is as follows (dollars in thousands): Years Ended December 31, 2015 2014 Provision at statutory rate $ 2,407 $ 2,237 Tax-exempt income (63 ) (154 ) Other (55 ) 183 2,289 2,338 Federal Tax Rate 34.0 % 34.0 % Tax exempt rate (0.9 ) (2.3 ) Other (0.8 ) 3.8 Effective tax rate 32.3 % 35.5 % The following table reflects the temporary differences that gave rise to the components of the Company’s deferred tax assets at December 31, 2015 and 2014 (in thousands): At December 31, 2015 2014 Deferred tax assets Deferred compensation and supplemental retirement $ 437 $ 397 Other, net 164 166 Nonaccrual interest — 8 Equity based compensation 90 57 Allowance for loan losses 641 385 Total deferred tax assets 1,332 1,013 Deferred tax liabilities Prepaid expenses (79 ) (66 ) FHLB stock dividends (142 ) (142 ) Unrealized gain on securities (84 ) (94 ) Depreciation (112 ) (83 ) Intangible assets (3 ) (2 ) Mortgage servicing rights (55 ) — Deferred loan costs (322 ) (460 ) Total deferred tax liabilities (797 ) (847 ) Net deferred tax asset $ 535 $ 166 As of December 31, 2015 and 2014, the Company had no unrecognized tax benefits. The Company recognizes interest accrued and penalties related to unrecognized tax benefits in “Provision for income taxes” in the Consolidated Statements of Income. During the years ended December 31, 2015 and 2014, the Company recognized no interest and penalties. The Company or its subsidiary files an income tax return in the U.S. federal jurisdiction, and various states. With few exceptions, the Company is no longer subject to U.S. federal or state/local income tax examinations by tax authorities for years before 2011.

Minimum Regulatory Capital Requ

Minimum Regulatory Capital Requirements	12 Months Ended
	Dec. 31, 2015
Minimum Regulatory Capital Requirements [Abstract]
Minimum Regulatory Capital Requirements	Note 16 – Minimum Regulatory Capital Requirements The Bank is subject to minimum capital requirements imposed by regulations of the FDIC. Effective January 1, 2015 (with some changes transitioned into full effectiveness over two to four years), the Bank became subject to new minimum capital adequacy adopted by the FDIC, which creates a new required ratio for common equity Tier 1 (“CET1”) capital, increases the leverage and Tier 1 capital ratios, changes the risk-weightings of certain assets for purposes of the risk-based capital ratios, creates an additional capital conservation buffer over the required capital ratios and changes what qualifies as capital for purposes of meeting these various capital requirements. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by bank regulators that, if undertaken, could have a direct material effect on the Company's financial statements. The Bank is also required to maintain additional levels of CET1 over the minimum risk-based capital levels before it may pay dividends, repurchase shares or pay discretionary bonuses. The new minimum requirements are a ratio of CET1 to total risk-weighted assets (“CET1 risk-based ratio”) of 4.5%, a Tier 1 capital ratio of 6.0%, a total capital ratio of 8.0%, and a leverage ratio of 4.0%. In addition to the capital requirements, there are a number of changes in what constitutes regulatory capital, subject to a certain transition periods. These changes include the phasing-out of certain instruments as qualifying capital. The Bank does not have any of these instruments. Mortgage servicing and deferred tax assets over designated percentages of CET1 are be deducted from capital, subject to a transition period ending December 31, 2017. CET1 consists of Tier 1 capital less all capital components that are not considered common equity. In addition, Tier 1 capital includes accumulated other comprehensive income, which includes all unrealized gains and losses on available for sale debt and equity securities, subject to a transition period end December 31, 2017. Because of the Bank’s asset size, it is not are considered an “advanced approaches banking organization” and has elected to permanently opt-out of the inclusion of unrealized gains and losses on available for sale debt and equity securities in our capital calculations. The new requirements also include changes in the risk-weighting of assets to better reflect credit risk and other risk exposure. These include a 150% risk weight (up from 100%) for certain high volatility commercial real estate acquisition, development and construction loans and for non-residential mortgage loans that are 90 days past due or otherwise in nonaccrual status; a 20% (up from 0%) credit conversion factor for the unused portion of a commitment with an original maturity of one year or less that is not unconditionally cancellable (currently set at 0%); and a 250% risk weight (up from 100%) for mortgage servicing and deferred tax assets that are not deducted from capital. In addition to the minimum CET1, Tier 1 and total capital ratios, the Bank will be required to maintain a capital conservation buffer consisting of additional CET1 capital equal to 2.5% of risk-weighted assets above the required minimum levels in order to avoid limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses based on percentages of eligible retained income that could be utilized for such actions. This new capital conservation buffer requirement is to be phased in beginning in January 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented in January 2019. Under the new standards, in order to be considered well-capitalized, the Bank must have to have a CET1 risk-based ratio of 6.5% (new), a Tier 1 risk-based ratio of 8% (increased from 6%), a total risk-based capital ratio of 10% (unchanged) and a leverage ratio of 5% (unchanged). Based on its capital levels at December 31, 2015, the Bank exceeded these requirements as of that date. Consistent with the Company’s goals to operate a sound and profitable organization, its policy is for the Bank to maintain a “well-capitalized” status under the regulatory capital categories of the FDIC. Based on capital levels at December 31, 2015, the Bank was considered to be well-capitalized under applicable regulatory requirements. Management monitors the capital levels to provide for current and future business opportunities and to maintain the Bank's “well-capitalized” status. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined in the regulations) and Tier 1 capital to average assets (as defined in the regulations). The Bank’s actual capital amounts (in thousands) and ratios as of December 31, 2015 and 2014 are presented in the following table: Actual Minimum Capital Requirements Minimum Required to Be Well-Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2015 Tier 1 Capital to total adjusted assets (1) $ 53,041 10.19 % $ 20,812 ≥ 4.0 % $ 26,015 ≥ 5.0 % Common Equity Tier 1 risk-based capital ratio (1) $ 53,041 11.70 % $ 20,401 ≥ 4.5 % $ 29,467 ≥ 6.5 % Tier 1 Capital to risk-weighted assets (2) $ 53,041 11.70 % $ 27,201 ≥ 6.0 % $ 36,268 ≥ 8.0 % Total Capital to risk-weighted assets (2) $ 57,677 12.74 % $ 36,268 ≥ 8.0 % $ 45,335 ≥ 10.0 % As of December 31, 2014 Tier 1 Capital to total adjusted assets (3) $ 48,343 10.19 % $ 18,973 ≥ 4.0 % $ 23,716 ≥ 5.0 % Tier 1 Capital to risk-weighted assets (4) $ 48,343 12.44 % $ 15,540 ≥ 4.0 % $ 23,310 ≥ 6.0 % Total Capital to risk-weighted assets (4) $ 52,730 13.57 % $ 31,080 ≥ 8.0 % $ 38,850 ≥ 10.0 % (1) Based on total adjusted assets of $520,307 at December 31, 2015. (2) Based on risk-weighted assets of $453,345 at December 31, 2015. (3) Based on total adjusted assets of $474,313 at December 31, 2014. (4) Based on risk-weighted assets of $388,498 at December 31, 2014. For a bank holding company with less than $1.0 billion in assets, the capital guidelines apply on a bank only basis and the Federal Reserve expects the holding company's subsidiary banks to be well capitalized under the prompt corrective action regulations. If Sound Financial Bancorp was subject to regulatory guidelines for bank holding companies with $1.0 billion or more in assets, at December 31, 2015 Sound Financial Bancorp would have exceeded all regulatory capital requirements. The estimated regulatory capital ratios calculated for Sound Financial Bancorp as of December 31, 2015 were 10.38% for Tier 1 leverage-based capital, 11.91% for both Common Equity Tier 1 risk-based capital, Tier 1 Capital to risk-based assets and 12.93% for total risk-based capital.

Concentrations of Credit Risk

Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2015
Concentrations of Credit Risk [Abstract]
Concentrations of Credit Risk	Note 17 – Concentrations of Credit Risk Most of the Company’s business activity is with customers located in the state of Washington. A substantial portion of the loan portfolio is represented by real estate loans throughout western Washington. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in the area. Loans to one borrower are generally limited by federal banking regulations to 15% of the Company’s unimpaired capital and surplus.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies [Abstract]
Commitments and Contingencies	Note 18 – Commitments and Contingencies The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments generally represent a commitment to extend credit in the form of loans. The instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The Company’s exposure to credit loss, in the event of nonperformance by the other party to the financial instrument for commitments to extend credit, is represented by the contractual notional amount of those instruments. The Company uses the same credit policies in making commitments as it does for on-balance-sheet instruments. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established by the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Because many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if it is deemed necessary by the Company, is based on management’s credit evaluation of the customer. Financial instruments whose contract amount represents credit risk were as follow (in thousands): At December 31, 2015 2014 Commitments to make loans $ 6,037 $ 5,615 Undisbursed portion of loans closed 32,951 37,337 Unused lines of credit 19,925 30,615 Irrevocable letters of credit 185 65 Total loan commitments $ 59,098 $ 73,632 At December 31, 2015, fixed rate loan commitments totaled $6.0 million and had a weighted average interest rate of 4.0%. At December 31, 2014, fixed rate loan commitments totaled $5.6 million and had a weighted average interest rate of 3.8%. Commitments for credit may expire without being drawn upon. Therefore, the total commitment amount does not necessarily represent future cash requirements of the Company. These commitments are not reflected in the financial statements. At December 31, 2015, the Company had letters of credit issued by the FHLB of Des Moines with a notional amount of $47.5 million in order to secure Washington State Public Funds. In the ordinary course of business, the Company sells loans without recourse that may have to be subsequently repurchased due to defects that occurred during the origination of the loan. The defects are categorized as documentation errors, underwriting errors, early payment defaults, and fraud. When a loan sold to an investor without recourse fails to perform, the investor will typically review the loan file to determine whether defects in the origination process occurred. If a defect is identified, the Company may be required to either repurchase the loan or indemnify the investor for losses sustained. If there are no defects, the Company has no commitment to repurchase the loan. As of December 31, 2015 and 2014, the maximum amount of these guarantees totaled $360.4 million and $357.8 million, respectively. These amounts represent the unpaid principal balances of the Company’s loans serviced for others’ portfolios. There were no loans repurchased during the year ended December 31, 2015. There were three loans totaling $453,000 repurchased during the year ended December 31, 2014. The Company pays certain medical, dental, prescription, and vision claims for its employees, on a self-insured basis. The Company has purchased stop-loss insurance to cover claims that exceed stated limits and has recorded estimated reserves for the ultimate costs for both reported claims and claims incurred but not reported, which are not considered significant at December 31, 2015 and 2014. At various times, the Company may be the defendant in various legal proceedings arising in connection with its business. It is the opinion of management that the financial position and the results of operations of the Company will not be materially adversely affected by the outcome of these legal proceedings and that adequate provision has been made in the accompanying consolidated financial statements.

Parent Company Financial Inform

Parent Company Financial Information	12 Months Ended
	Dec. 31, 2015
Parent Company Financial Information [Abstract]
Parent Company Financial Information	Note 19 – Parent Company Financial Information The Balance Sheets, Statements of Income, and Statements of Cash Flows for Sound Financial Bancorp (Parent Only) are presented below (dollars in thousands): Balance sheets December 31, 2015 2014 Assets Cash and cash equivalents $ 451 $ 413 Investment in Sound Community Bank 53,483 49,443 Other assets 586 788 Total assets $ 54,520 $ 50,644 Liabilities and Stockholders’ Equity Other liabilities — — Total liabilities — — Stockholders’ equity 54,520 50,644 Total liabilities and stockholders’ equity $ 54,520 $ 50,644 Statements of Income Year Ended December 31, 2015 2014 Interest income $ — $ — Dividend from subsidiary 1,200 — Other expenses (244 ) (169 ) Loss before income tax benefit and equity in undistributed net income of subsidiary 956 (169 ) Income tax benefit 83 46 Equity in undistributed earnings of subsidiary 3,751 4,363 Net income $ 4,790 $ 4,240 Statements of Cash Flows Year Ended December 31, 2014 2014 Cash flows from operating activities: Net income $ 4,790 $ 4,240 Adjustments to reconcile net income to net cash provided by operating activities Other, net 312 (81 ) Change in undistributed equity of subsidiary (3,751 ) (4,363 ) Net cash used by operating activities 1,351 (204 ) Cash flows from investing activities: Net change in ESOP loan receivable 457 403 Net cash provided by investing activities 457 403 Cash flows from financing activities: Dividends paid (574 ) (504 ) excess tax benefit of stock compensation — 39 Common stock exercised 65 81 Common stock repurchased (1,261 ) (904 ) Net cash used by financing activities (1,770 ) (1,288 ) Net increase (decrease) in cash 38 (1,089 ) Cash and cash equivalents at beginning of year 413 1,502 Cash and cash equivalents at end of year $ 451 $ 413

Organization and Significant 29

Organization and Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2015
Organization and Significant Accounting Policies [Abstract]
Subsequent events	Subsequent events
Basis of Presentation and Use of Estimates	Basis of Presentation and Use of Estimates The accompanying consolidated financial statements include the accounts of Sound Financial Bancorp and its wholly-owned subsidiary Sound Community Bank. All significant intercompany balances and transactions between Sound Financial Bancorp and its subsidiary have been eliminated in consolidation.
Cash and cash equivalents	Cash and cash equivalents
Investment securities	Investment securities Unrealized gains and losses, net of the related deferred tax effect, are reported as a net amount in the Accumulated Other Comprehensive Income (Loss). Realized gains and losses on AFS securities, determined using the specific identification method, are included in earnings. Amortization of premiums and accretion of discounts are recognized as adjustments to interest income using the interest method over the period to maturity. The Company reviews investment securities on an ongoing basis for the presence of other-than-temporary impairment (“OTTI”) or permanent impairment, taking into consideration current market conditions, fair value in relation to cost, extent and nature of the change in fair value, issuer rating changes and trends, whether the Company intend to sell a security or if it is likely that the Company will be required to sell the security before recovery of its amortized cost basis of the investment, which may be maturity, and other factors. For debt securities, if the Company intends to sell the security or it is likely that it will be required to sell the security before recovering its cost basis, the entire impairment loss would be recognized in earnings as an OTTI. If the Company does not intend to sell the security and it is not likely that we will be required to sell the security but we do not expect to recover the entire amortized cost basis of the security, only the portion of the impairment loss representing credit losses would be recognized in earnings. The credit loss on a security is measured as the difference between the amortized cost basis and the present value of the cash flows expected to be collected. Projected cash flows are discounted by the original or current effective interest rate depending on the nature of the security being measured for potential OTTI. The remaining impairment related to all other factors, the difference between the present value of the cash flows expected to be collected and the fair value, is recognized as a charge to other comprehensive income (“OCI”). The Company does not intend to sell these securities and it is more likely than not that it will not be required to sell the securities before anticipated recovery of the remaining amortized cost basis. The Company closely monitors its investment securities for changes in credit risk. The current market environment significantly limits the Company’s ability to mitigate its exposure to valuation changes in these securities by selling them. Accordingly, if market conditions deteriorate further and the Company determines its holdings of these or other investment securities are OTTI, its future earnings, stockholders’ equity, regulatory capital and continuing operations could be materially adversely affected.
Loans held-for-sale	Loans held-for-sale
Loans	Loans Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for any charge-offs, the allowance for loan losses, and any deferred fees or costs on origination of loans. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method over the contractual life of the loan for term loans or the straight-line method for open ended loans. The accrual of interest is discontinued at the time the loan is three months past due or if, in management’s opinion, the borrower may be unable to meet payment of obligations as they become due, as well as when required by regulatory provisions. Loans are typically charged off no later than 120 days past due, unless secured by collateral. Past due status is based on contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all of the principal and interest amounts contractually due are brought current, future payments are reasonably assured and payments have been received for twelve consecutive months. A loan is considered impaired when it is probable that the Company will be unable to collect all amounts (principal and interest) due according to the contractual terms of the original loan agreement. When a loan has been identified as being impaired, the amount of the impairment is measured by using discounted cash flows, except when, as a practical expedient, the current fair value of the collateral, reduced by costs to sell, is used. When the measurement of the impaired loan is less than the recorded investment in the loan (including accrued interest), impairment is recognized by charging off the impaired portion or creating or adjusting a specific allocation of the allowance for loan losses. A loan is classified as a troubled debt restructuring (“TDR”) when certain concessions have been made to the contractual terms, such as reductions of interest rates or deferrals of interest or principal payments due to the borrower’s deteriorated financial condition. All TDRs are reported and accounted for as impaired loans.
Allowance for loan losses	Allowance for loan losses The allowance for loan losses is maintained at a level sufficient to provide for probable credit losses based upon evaluating known and inherent risks in the loan portfolio. The allowance is provided based upon management’s continuing analysis of the pertinent factors underlying the quality of the loan portfolio. These factors include changes in the size and composition of the loan portfolio, delinquency levels, actual loan loss experience, current economic conditions, and detailed analysis of individual loans for which full collectability may not be assured. The detailed analysis includes techniques to estimate the fair value of loan collateral and the existence of potential alternative sources of repayment. The allowance consists of specific, general, and unallocated components. The specific component relates to loans that are classified as doubtful, substandard, or special mention. The Company considers installment loans to be pools of smaller balance, homogenous loans that are collectively evaluated for impairment, unless such loans are subject to a TDR agreement. For such loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan are lower than the carrying value of that loan. The general component covers non-classified loans and is based upon historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. The appropriateness of the allowance for loan losses is estimated based upon those factors and trends identified by management at the time consolidated financial statements are prepared. When available information confirms that specific loans or portions thereof are uncollectible, identified amounts are charged against the allowance for loan losses. The existence of some or all of the following criteria will generally confirm that a loss has been incurred: the loan is significantly delinquent and the borrower has not demonstrated the ability or intent to bring the loan current; the Company has no recourse to the borrower, or if it does, the borrower has insufficient assets to pay the debt; the estimated fair value of the loan collateral is significantly below the current loan balance, and there is little or no near-term prospect for improvement. The ultimate recovery of all loans is susceptible to future market factors beyond the Company’s control. These factors may result in losses or recoveries differing significantly from those provided in the consolidated financial statements. In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses, and may require the Company to make additions to the allowance based on their judgment about information available to them at the time of their examinations.
Transfers of financial assets	Transfers of financial assets
Mortgage servicing rights ("MSR")	Mortgage servicing rights (“MSR”)
Premises and equipment	Premises and equipment
Bank-owned life insurance, net	Bank-owned life insurance, net
Federal Home Loan Bank stock	Federal Home Loan Bank stock
Other real estate owned and repossessed assets	Other real estate owned and repossessed assets In some instances, the Company may make loans to facilitate the sales of OREO. Management reviews all sales for which it is the lending institution. Any gains related to sales of other real estate owned may be deferred until the buyer has a sufficient investment in the property.
Income Taxes	Income Taxes
Segment reporting	Segment reporting
Off-balance-sheet credit-related financial instruments	Off-balance-sheet credit-related financial instruments
Advertising costs	Advertising costs
Comprehensive income	Comprehensive income
Intangible assets	Intangible assets
Employee stock ownership plan	Employee stock ownership plan Unearned ESOP shares are shown as a reduction of stockholders’ equity. When the shares are released, unearned common shares held by the ESOP are reduced by the cost of the ESOP shares released and the differential between the fair value and the cost is charged to additional paid in capital. The loan receivable from the ESOP to the Company is not reported as an asset nor is the debt of the ESOP reported as a liability on the Company’s Consolidated Statements of Condition.
Earnings Per Common Share	Earnings Per Common Share
Fair value	Fair value Fair values of the Company’s financial instruments are based on the fair value hierarchy which requires an entity to maximize the use of observable inputs, typically market data obtained from third parties, and minimize the use of unobservable inputs, which reflects its estimates for market assumptions, when measuring fair value. Three levels of valuation inputs are ranked in accordance with the prescribed fair value hierarchy as follows: Level 1: Level 2: Level 3: In determining the appropriate levels, the Company performs a detailed analysis of the assets and liabilities that are subject to fair value measurements. In certain cases, the inputs used to measure fair value of an asset or liability may fall into different levels of the fair value hierarchy. The level within which the fair value measurement is categorized is based on the lowest level unobservable input that is significant to the fair value measurement in its entirety. Therefore, an item may be classified in Level 3 even though there may be some significant inputs that are readily observable.
Share-Based Compensation	Share-Based Compensation
Reclassifications	Reclassifications

Accounting Pronouncements Rec30

Accounting Pronouncements Recently Issued or Adopted (Policies)	12 Months Ended
	Dec. 31, 2015
Accounting Pronouncements Recently Issued or Adopted [Abstract]
New Accounting Pronouncements	In June 2015, FASB issued ASU No. 2015-10, Technical Corrections and Improvements. On November 10, 2010 FASB added a standing project that will facilitate the FASB Accounting Standards Codification (‘Codification”) updates for technical corrections, clarifications, and improvements. These amendments are referred to as Technical Corrections and Improvements. Maintenance updates include non-substantive corrections to the Codification, such as editorial corrections, various link-related changes, and changes to source fragment information. This update contains amendments that will affect a wide variety of Topics in the Codification. The amendments in this ASU will apply to all reporting entities within the scope of the affected accounting guidance and generally fall into one of four categories: amendments related to differences between original guidance and the Codification, guidance clarification and reference corrections, simplification, and minor improvements. In summary, the amendments in this ASU represent changes to clarify the Codification, correct unintended application of guidance, or make minor improvements to the Codification that are not expected to have a significant effect on current accounting practice. Transition guidance varies based on the amendments in this ASU. The amendments in this ASU that require transition guidance are effective for fiscal years and interim reporting periods after December 15, 2015. Early adoption is permitted including adoption in an interim period. All other amendments are effective upon the issuance of this ASU. ASU 2015-10 did not have a material impact on the Company's consolidated financial statements. In July 2015, the FASB issued ASU No. 2015-14, Revenue from Contracts with Customers, deferring the effective date of the new revenue standard by one year. The standard also allows entities to choose to adopt the standard as of the original effective date. The FASB decided, based on its outreach to various stakeholders and the forthcoming amendments to the new revenue standard, that a deferral is necessary to provide adequate time to effectively implement the new revenue standard. In August 2015, the FASB issued ASU No. 2015-15, Interest—Imputation of Interest (Subtopic 835-30), Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements. The ASU provides guidance not previously included in ASU 2015-03 regarding debt issuance related to line-of-credit arrangements. The amendment allows an entity to present debt issuance costs as an asset and subsequently amortize the deferred debt issuance costs over the term of the line-of-credit arrangement, regardless if there are any outstanding borrowings on the line-of-credit arrangement. The amendment is effective for fiscal years beginning after December 15, 2015. This ASU is not expected to have a material effect on the Company's consolidated financial statements. In September 2015, the FASB issued ASU No. 2015-16, Business Combinations (Topic 805). The ASU simplifies the accounting for measurement period adjustments. The amendments require that an acquirer recognize adjustments to provisional amounts that are identified during the measurement period in the reporting period when the adjustment amounts are determined. The acquirer is required to record in the same period's financial statements the effect on earnings from changes in depreciation, amortization, or other income effects resulting from the change to provisional amounts, calculated as if the accounting had been completed at the acquisition date. The acquirer must present separately on the income statement, or disclose in the notes, the amount recorded in current-period earnings that would have been recorded in previous reporting periods if the provisional amount had been recognized at the acquisition date. For public business entities, the amendments are effective for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. This ASU is not expected to have a material effect on the Company's consolidated financial statements. In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments - Overall (Subtopic 825-10), Recognition and Measurement of Financial Assets and Financial Liabilities. The new guidance is intended to improve the recognition and measurement of financial instruments. This ASU requires equity investments (except those accounted for under the equity method of accounting, or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income. In addition, the amendment requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes and requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements. This ASU also eliminates the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet. The amendment also requires a reporting organization to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument specific credit risk (also referred to as “own credit”) when the organization has elected to measure the liability at fair value in accordance with the fair value option for financial instruments. ASU No. 2016-01 is effective for financial statements issued for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. Early adoption is permitted for certain provisions. The Company is currently evaluating the impact of this ASU on the Company's consolidated financial statements. In February 2016, FASB issued ASU No. 2016-02, Leases (Topic 842). ASU No. 2016-02 requires lessees to recognize on the balance sheet the assets and liabilities arising from operating leases. A lessee should recognize a liability to make lease payments and a right-of-use asset representing its right to use the underlying asset for the lease term. A lessee should include payments to be made in an optional period only if the lessee is reasonably certain to exercise an option to extend the lease or not to exercise an option to terminate the lease. For a finance lease, interest payments should be recognized separately from amortization of the right-of-use asset in the statement of comprehensive income. For operating leases, the lease cost should be allocated over the lease term on a generally straight-line basis. The amendments in ASU 2016-02 are effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early application of the amendments in the ASU is permitted. The adoption of ASU 2016-02 is not expected to have a material impact on the Company's consolidated financial statements.

Investments (Tables)

Investments (Tables)	12 Months Ended
	Dec. 31, 2015
Investments [Abstract]
Amortized Cost and Fair Value of AFS Securities and Corresponding Amounts of Gross Unrealized Gains and Losses	The amortized cost and fair value of AFS securities and the corresponding amounts of gross unrealized gains and losses at December 31, 2015 and 2014 were as follows (in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value December 31, 2015 Municipal bonds $ 1,912 $ 184 $ — $ 2,096 Agency mortgage-backed securities 4,088 102 (18 ) 4,172 Non-agency mortgage-backed securities 449 — (21 ) 428 Total $ 6,449 $ 286 $ (39 ) $ 6,696 December 31, 2014 Municipal bonds $ 1,911 $ 172 $ — $ 2,083 Agency mortgage-backed securities 7,024 110 (38 ) 7,096 Non-agency mortgage-backed securities 2,312 83 (50 ) 2,345 Total $ 11,247 $ 365 $ (88 ) $ 11,524
Amortized Cost and Fair Value of Mortgage-backed Securities by Contractual Maturity	Expected maturities of mortgage-backed securities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. December 31, 2015 Amortized Cost Fair Value Due in less than one year $ 94 $ 95 Due in one to five years 2,605 2,707 Due after five to ten years 1,649 1,649 Due after ten years 2,101 2,245 Total $ 6,449 $ 6,696
Aggregate Fair Value and Gross Unrealized Loss in Continuous Unrealized Loss Position	The following table summarizes at December 31, 2015 and 2014 the aggregate fair value and gross unrealized loss by length of time those investments have been continuously in an unrealized loss position (in thousands): December 31, 2015 Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Agency mortgage-backed securities $ — $ — $ 1,370 $ (18 ) $ 1,370 $ (18 ) Non-agency mortgage-backed securities — — 428 (21 ) 428 (21 ) Total $ — $ — $ 1,798 $ (39 ) $ 1,798 $ (39 ) December 31, 2014 Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Agency mortgage-backed securities $ 627 $ (6 ) $ 2,216 $ (32 ) $ 2,843 $ (38 ) Non-agency mortgage-backed securities — — 507 (50 ) 507 (50 ) Total $ 627 $ (6 ) $ 2,723 $ (82 ) $ 3,350 $ (88 )
Cumulative Roll Forward of Credit Losses Recognized in Earnings	The following table presents at December 31, 2015 and 2014 the cumulative roll forward of credit losses recognized in earnings relating to the Company’s non-U.S. agency mortgage backed securities (in thousands): Year Ended December 31, 2015 2014 Estimated credit losses, beginning balance $ 450 $ 450 Additions for credit losses not previously recognized — — Reduction for increases in cash flows — — Removal of credit losses due to securities sold (450 ) — Estimated credit losses, ending balance $ — $ 450

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2015
Loans [Abstract]
Composition of the loan Portfolio, Excluding Loans Held for Sale	The composition of the loan portfolio, excluding loans held-for-sale, at December 31, 2015 and 2014 is as follows (in thousands): At December 31, 2015 2014 Real estate loans: One- to four-family $ 141,125 $ 133,031 Home equity 31,573 34,675 Commercial and multifamily 175,312 168,952 Construction and land 57,043 46,279 Total real estate loans 405,053 382,937 Consumer loans: Manufactured homes 13,798 12,539 Other consumer 23,030 16,875 Total consumer loans 36,828 29,414 Commercial business loans 19,295 19,525 Total loans 461,176 431,876 Deferred fees (1,707 ) (1,516 ) Total loans, gross 459,469 430,360 Allowance for loan losses (4,636 ) (4,387 ) Total loans, net $ 454,833 $ 425,973
Allowance for Loan Losses and Recorded Investment	The following table presents the balance in the allowance for loan losses and the unpaid principal balance in loans, net of partial charge-offs by portfolio segment and based on impairment method as of December 31, 2015 (in thousands): One-to- four family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Unallocated Total Allowance for loan losses: Individually evaluated for impairment $ 647 $ 110 $ 36 $ 18 $ 63 $ — $ 8 $ — $ 882 Collectively evaluated for impairment 1,192 497 885 364 238 188 149 241 3,754 Ending balance $ 1,839 $ 607 $ 921 $ 382 $ 301 $ 188 $ 157 $ 241 $ 4,636 Loans receivable: Individually evaluated for impairment $ 5,779 $ 904 $ 1,966 $ 91 $ 361 $ 5 $ 114 $ — $ 9,220 Collectively evaluated for impairment 135,346 30,669 173,346 56,952 13,437 23,025 19,181 — 451,956 Ending balance $ 141,125 $ 31,573 $ 175,312 $ 57,043 $ 13,798 $ 23,030 $ 19,295 $ — $ 461,176 The following table presents the balance in the allowance for loan losses and the unpaid principal balance in loans, net of partial charge-offs by portfolio segment and based on impairment method as of December 31, 2014 (in thousands): One-to- four family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Unallocated Total Allowance for loan losses: Individually evaluated for impairment $ 258 $ 28 $ 8 $ 14 $ 41 $ 18 $ — $ — $ 367 Collectively evaluated for impairment 1,184 573 1,236 385 152 149 108 233 4,020 Ending balance $ 1,442 $ 601 $ 1,244 $ 399 $ 193 $ 167 $ 108 $ 233 $ 4,387 Loans receivable: Individually evaluated for impairment $ 4,186 $ 1,247 $ 2,956 $ 180 $ 404 $ 51 $ 124 $ — $ 9,148 Collectively evaluated for impairment 128,845 33,428 165,996 46,099 12,135 16,824 19,401 — 422,728 Ending balance $ 133,031 $ 34,675 $ 168,952 $ 46,279 $ 12,539 $ 16,875 $ 19,525 $ — $ 431,876
Activity in Loan Losses	The following table summarizes the activity in loan losses for the year ended December 31, 2015 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to-four family $ 1,442 $ (21 ) $ — $ 418 $ 1,839 Home equity 601 (35 ) 36 5 607 Commercial and multifamily 1,244 — — (323 ) 921 Construction and land 399 (40 ) — 23 382 Manufactured homes 193 (37 ) 8 137 301 Other consumer 167 (77 ) 15 83 188 Commercial business 108 — — 49 157 Unallocated 233 — — 8 241 $ 4,387 $ (210 ) $ 59 $ 400 $ 4,636 The following table summarizes the activity in loan losses for the year ended December 31, 2014 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to-four family $ 1,915 $ (127 ) $ 64 $ (410 ) $ 1,442 Home equity 781 (295 ) 52 63 601 Commercial and multifamily 300 (47 ) 2 989 1,244 Construction and land 318 — — 81 399 Manufactured homes 209 (197 ) 14 167 193 Other consumer 109 (77 ) 21 114 167 Commercial business 102 — — 6 108 Unallocated 443 — — (210 ) 233 $ 4,177 $ (743 ) $ 153 $ 800 $ 4,387
Credit Quality Indicators	The following table represents the internally assigned grades as of December 31, 2015 by type of loan (in thousands): One-to- four family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Grade: Pass $ 136,879 $ 30,310 $ 169,072 $ 55,984 $ 13,621 $ 22,967 $ 18,449 $ 447,282 Watch 1,015 609 4,810 1,059 96 58 846 8,493 Special Mention 1,409 — 1,430 — 33 — — 2,872 Substandard 1,822 654 — — 48 5 — 2,529 Doubtful — — — — — — — — Loss — — — — — — — — Total $ 141,125 $ 31,573 $ 175,312 $ 57,043 $ 13,798 $ 23,030 $ 19,295 $ 461,176 The following table represents the internally assigned grades as of December 31, 2014 by type of loan (in thousands): One-to- four family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Grade: Pass $ 120,152 $ 30,785 $ 163,573 $ 45,427 $ 11,427 $ 16,587 $ 18,919 $ 406,870 Watch 11,793 3,322 3,740 852 1,038 240 606 21,591 Special Mention — — — — 24 — — 24 Substandard 1,086 568 1,639 — 50 48 — 3,391 Doubtful — — — — — — — — Loss — — — — — — — — Total $ 133,031 $ 34,675 $ 168,952 $ 46,279 $ 12,539 $ 16,875 $ 19,525 $ 431,876
Nonaccrual Loans	The following table presents the recorded investment in nonaccrual loans as of December 31, 2015 and 2014 by type of loan (in thousands): 2015 2014 One- to four- family $ 1,157 $ 1,092 Home equity 344 258 Construction and land — 81 Manufactured homes 27 6 Other consumer — 27 Total $ 1,528 $ 1,464
Aging of Recorded Investment in Past Due Loans	The following table represents the aging of the recorded investment in past due loans as of December 31, 2015 by type of loan (in thousands): 30-59 Days Past Due 60-89 Days Past Due Greater Than 90 Days Past Due Recorded Investment > 90 Days and Accruing Total Past Due Current Total Loans One-to-four family $ 2,453 $ 265 $ 881 $ 117 $ 3,716 $ 137,409 $ 141,125 Home equity 352 60 296 — 708 30,865 31,573 Commercial and multifamily 203 — — — 203 175,109 175,312 Construction and land 65 — — — 65 56,978 57,043 Manufactured homes 103 27 — — 130 13,668 13,798 Other consumer 17 26 — — 43 22,987 23,030 Commercial business 154 8 — — 162 19,133 19,295 Total $ 3,347 $ 386 $ 1,177 $ 117 $ 5,027 $ 456,149 $ 461,176 The following table represents the aging of the recorded investment in past due loans as of December 31, 2014 by type of loan (in thousands): 30-59 Days Past Due 60-89 Days Past Due Greater Than 90 Days Past Due Recorded Investment > 90 Days and Accruing Total Past Due Current Total Loans One-to-four family $ 1,300 $ 167 $ 720 $ — $ 2,187 $ 130,844 $ 133,031 Home equity 585 109 203 — 897 33,778 34,675 Commercial and multifamily — — — — — 168,952 168,952 Construction and land — — 81 — 81 46,198 46,279 Manufactured homes 197 42 27 114 380 12,159 12,539 Other consumer 23 7 — — 30 16,845 16,875 Commercial business 430 — — — 430 19,095 19,525 Total $ 2,535 $ 325 $ 1,031 $ 114 $ 4,005 $ 427,871 $ 431,876
Credit Risk Profile of Loan Portfolio Based on Payment Activity by Type of Loan	The following table represents the credit risk profile based on payment activity as of December 31, 2015 by type of loan (in thousands): One- to four- family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Performing $ 139,484 $ 31,146 $ 175,312 $ 57,043 $ 13,736 $ 23,030 $ 19,295 $ 454,137 Nonperforming 1,640 428 — 62 — — 2,130 Total $ 141,125 $ 31,573 $ 175,312 $ 57,043 $ 13,798 $ 23,030 $ 19,295 $ 461,176 The following table represents the credit risk profile based on payment activity as of December 31, 2014 by type of loan (in thousands): One- to four- family Home equity Commercial and multifamily Construction and land Manufactured homes Other consumer Commercial business Total Performing $ 131,519 $ 34,289 $ 167,313 $ 46,198 $ 12,344 $ 16,846 $ 19,525 $ 428,034 Nonperforming 1,512 386 1,639 81 195 29 — 3,842 Total $ 133,031 $ 34,675 $ 168,952 $ 46,279 $ 12,539 $ 16,875 $ 19,525 $ 431,876
Schedule of Impaired Loans, Individually Evaluated	The following table presents loans individually evaluated for impairment as of December 31, 2015 by type of loan (in thousands): Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: One- to four- family $ 499 $ 615 $ — $ 1,390 $ 23 Home equity 162 162 — 341 7 Commercial and multifamily 1,430 1,430 — 1,051 80 Construction and land — — — 40 — Manufactured homes — — — 52 — Other consumer — — — 28 — Commercial business — — — 61 — Total 2,091 2,207 — 2,963 110 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With an allowance recorded: One- to four- family 5,280 5,396 647 3,686 246 Home equity 742 832 110 748 30 Commercial and multifamily 536 536 36 1,357 10 Construction and land 91 91 18 106 5 Manufactured homes 361 366 63 332 29 Other consumer 5 5 — 11 1 Commercial business 114 114 8 68 6 Total 7,129 7,340 882 6,308 327 Totals: One- to four- family 5,779 6,011 647 5,076 269 Home equity 904 994 110 1,089 37 Commercial and multifamily 1,966 1,966 36 2,408 90 Construction and land 91 91 18 146 5 Manufactured homes 361 366 63 384 29 Other consumer 5 5 — 39 1 Commercial business 114 114 8 129 6 Total $ 9,220 $ 9,547 $ 882 $ 9,271 $ 437 The following table presents loans individually evaluated for impairment as of December 31, 2014 by type of loan (in thousands): Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: One- to four- family $ 2,096 $ 2,340 $ — $ 1,314 $ 83 Home equity 494 555 — 370 17 Commercial and multifamily 1,492 1,542 — 1,743 74 Construction and land 100 100 — 61 1 Manufactured homes 87 94 — 93 7 Other consumer 21 21 — 19 3 Commercial business 124 124 — 230 6 Total 4,414 4,776 — 3,830 191 With an allowance recorded: One- to four- family 2,090 2,090 258 3,082 93 Home equity 753 847 28 1,053 30 Commercial and multifamily 1,464 1,464 8 1,592 72 Construction and land 80 80 14 134 4 Manufactured homes 317 317 41 433 24 Other consumer 30 30 18 23 2 Commercial business — — — 83 — Total 4,734 4,828 367 6,400 225 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized Totals: One- to four- family 4,186 4,430 258 4,396 176 Home equity 1,247 1,402 28 1,423 47 Commercial and multifamily 2,956 3,006 8 3,335 146 Construction and land 180 180 14 195 5 Manufactured homes 404 411 41 526 31 Other consumer 51 51 18 42 5 Commercial business 124 124 — 313 6 Total $ 9,148 $ 9,604 $ 367 $ 10,230 $ 416
Trouble Restructured Debt Modifications	The following table presents new TDRs by type of modification that occurred during the year ended December 31, 2015 (dollars in thousands): Twelve months ended December 31, 2015 Number of Contracts Rate Modifications Term Modifications Payment Modifications Combination Modifications Total Modifications Commercial and multifamily 1 $ — $ — $ — $ 368 $ 368 Total 1 $ — $ — $ — $ 368 $ 368 The following table presents new TDRs by type of modification that occurred during the year ended December 31, 2014 (dollars in thousands): Twelve months ended December 31, 2014 Number of Contracts Rate Modifications Term Modifications Payment Modifications Combination Modifications Total Modifications One- to four- family 2 $ — $ — $ — $ 407 $ 407 Home equity 2 — — — 74 74 Commercial and multifamily 1 — — — 1,464 1,464 Total 5 $ — $ — $ — $ 1,945 $ 1,945
Troubled Debt Restructurings in Default	The following table represents loans modified as TDRs for which there was a payment default within the first 12 months of modification during the twelve months ended December 31, 2015 and 2014 (in thousands): 2015 2014 One- to four- family $ — $ 174 Home equity — — Total $ — $ 174
Related Party Loans	Director and officer loans are summarized as follows (in thousands): December 31, 2015 2014 Balance, beginning of period $ 4,675 $ 5,214 Advances 69 49 New / (retired) loans, net 174 (381 ) Repayments (826 ) (207 ) Balance, end of period $ 4,093 $ 4,675

Mortgage Servicing Rights (Tabl

Mortgage Servicing Rights (Tables)	12 Months Ended
	Dec. 31, 2015
Mortgage Servicing Rights [Abstract]
Mortgage Service Rights	A summary of the change in the balance of mortgage servicing assets at December 31, 2015 and 2014 is as follows (in thousands): Year Ended December 31, 2015 2014 Beginning balance, at fair value $ 3,028 $ 2,984 Servicing rights that result from transfers of financial assets 679 505 Changes in fair value: Due to changes in model inputs or assumptions (1) 210 328 Other (2) (668 ) (789 ) Ending balance, at fair value $ 3,249 $ 3,028 (1) Represents changes in discount rates and prepayment speed assumptions, which are primarily affected by changes in interest rates. (2) Represents changes due to collection or realization of expected cash flows over time.
Mortgage Service Rights Assumptions	The key economic assumptions used in determining the fair value of mortgage servicing rights were as follows: At December 31, 2015 2014 Prepayment speed (PSA) 178 % 216 % Weighted-average life (years) 6.7 5.9 Yield to maturity discount rate 10.0 % 10.0 %

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Premises and Equipment [Abstract]
Premises and Equipment	Premises and equipment at December 31, 2015 and 2014 are summarized as follows (in thousands): At December 31, 2015 2014 Land $ 653 $ 653 Buildings and improvements 4,739 5,390 Furniture and equipment 2,752 1,702 Less: Accumulated depreciation and amortization (2,809 ) (2,190 ) Premises and equipment, net $ 5,335 $ 5,555
Minimum Future Rental Payments under Non-cancelable Operating Leases	Minimum rental payments under non-cancelable operating leases with initial or remaining terms of one year or more are as follows (in thousands): Year ending December 31, Amount 2016 $ 1,101 2017 1,270 2018 933 2019 903 2020 858 Thereafter 6,981 $ 12,046

Other Real Estate Owned and R35

Other Real Estate Owned and Repossessed Assets (Tables)	12 Months Ended
	Dec. 31, 2015
Other Real Estate Owned and Repossessed Assets [Abstract]
Activity Related to OREO and Repossessed Assets	The following table presents activity related to OREO and other repossessed assets for the periods shown (in thousands): Year ended December 31, 2015 2014 Beginning balance $ 323 $ 1,178 Additions to OREO and repossessed assets 1,383 608 Capitalized improvements — 12 Pay downs/Sales (736 ) (1,447 ) Write-downs/Losses (201 ) (28 ) $ 769 $ 323

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Summary of Deposits Accounts with the Corresponding Weighted Average Cost of Funds	A summary of deposit accounts with the corresponding weighted average cost of funds at December 31, 2015 and 2014 are presented below (dollars in thousands): As of December 31, 2015 As of December 31, 2014 Deposit Balance Wtd Avg Rate Deposit Balance Wtd Avg Rate Noninterest-bearing demand $ 48,067 0.00 % $ 41,773 0.00 % Interest-bearing demand 127,392 0.42 103,048 0.43 Savings 38,833 0.18 33,233 0.16 Money market 54,046 0.16 55,236 0.27 Certificates 168,880 1.22 171,939 1.03 Escrow (1) 2,806 0.00 2,580 0.00 Total $ 440,024 0.63 % $ 407,809 0.60 % (1) Escrow balances shown in noninterest-bearing deposits on the consolidated balance sheets
Maturities of Time Deposits	Scheduled maturities of time deposits at December 31, 2015 are as follows (in thousands): Year Ending December 31, Amount 2016 $ 100,780 2017 50,127 2018 11,687 2019 2,236 Thereafter 4,050 $ 168,880

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2015
Borrowings [Abstract]
Contractual Principal Repayments	Contractual principal repayments at the balance sheet date noted below of outstanding borrowings at December 31, 2015 are as follows (dollars in thousands): Year Ending December 31, Amount 2016 $ 40,143 2017 292 Total $ 40,435

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Information about Level in Fair Value Hierarchy for Financial Instruments	The following tables presents information about the level in the fair value hierarchy for the Company’s financial instruments as of December 31, 2015 and 2014 (in thousands): December 31, 2015 Fair Value Measurements Using: Carrying Value Estimated Fair Value Level 1 Level 2 Level 3 FINANCIAL ASSETS: Cash and cash equivalents $ 48,264 $ 48,264 $ 48,264 $ — $ — Available for sale securities 6,696 6,696 — 6,268 428 Loans held-for-sale 2,091 2,091 — 2,091 — Loans, net 454,833 454,854 — — 454,854 Accrued interest receivable 1,608 1,608 1,608 — — Mortgage servicing rights 3,249 3,249 — — 3,249 FHLB Stock 2,212 2,212 — — 2,212 FINANCIAL LIABILITIES: Non-maturity deposits 271,639 271,639 — 271,639 — Time deposits 168,881 168,091 — 168,091 — Borrowings 40,435 40,421 — 40,421 — Accrued interest payable 72 72 — 72 — December 31, 2014 Fair Value Measurements Using: Carrying Value Estimated Fair Value Level 1 Level 2 Level 3 FINANCIAL ASSETS: Cash and cash equivalents $ 29,289 $ 29,289 $ 29,289 $ — $ — Available for sale securities 11,524 11,524 — 9,179 2,345 Loans held-for-sale 810 828 — 828 — Loans, net 425,973 423,714 — — 423,714 Accrued interest receivable 1,497 1,497 1,497 — — Mortgage servicing rights 3,028 3,028 — — 3,028 FHLB Stock 2,224 2,224 — — 2,224 FINANCIAL LIABILITIES: Non-maturity deposits 235,870 235,870 — 235,870 — Time deposits 171,939 172,334 — 172,334 — Borrowings 30,578 30,534 — 30,534 — Accrued interest payable 76 76 — 76 —
Fair value of Assets Measured on Recurring Basis	The following tables present the balance of assets measured at fair value on a recurring basis as of December 31, 2015 and 2014 (in thousands): Fair Value at December 31, 2015 Description Total Level 1 Level 2 Level 3 Municipal bonds $ 2,096 $ — $ 2,096 $ — Agency mortgage-backed securities 4,172 — 4,172 — Non-agency mortgage-backed securities 428 — — 428 Mortgage servicing rights 3,249 — — 3,249 Fair Value at December 31, 2014 Description Total Level 1 Level 2 Level 3 Municipal bonds $ 2,083 $ — $ 2,083 $ — Agency mortgage-backed securities 7,096 — 7,096 — Non-agency mortgage-backed securities 2,345 — — 2,345 Mortgage servicing rights 3,028 — — 3,028
Reconciliation of Assets and Liabilities Measured at Fair Value Using Significant Unobservable Inputs (Level 3)	The following table provides a reconciliation of assets and liabilities (excluding mortgage servicing rights) measured at fair value using significant unobservable inputs (Level 3) on a recurring basis during the years ended December 31, 2015 and 2014 (in thousands): Year Ended December 31, 2015 2014 Beginning balance, at fair value $ 2,345 $ 2,419 OTTI impairment losses — — Sales and principal payments (2,375 ) (374 ) Change in unrealized loss 30 300 Ending balance, at fair value $ 428 $ 2,345
Fair value of Assets Measured on Nonrecurring Basis	The following table presents the balance of assets measured at fair value on a nonrecurring basis and the total losses resulting from these fair value adjustments (in thousands): Fair Value at December 31, 2015 Description Total Level 1 Level 2 Level 3 OREO and repossessed assets $ 769 $ — $ — $ 769 Impaired loans 9,220 — — 9,220 Fair Value at December 31, 2014 Description Total Level 1 Level 2 Level 3 OREO and repossessed assets $ 323 $ — $ — $ 323 Impaired loans 9,148 — — 9,148
Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value of Assets, Quantitative Information	The following table provides a description of the valuation technique, unobservable input, and qualitative information about the unobservable inputs for the Company’s assets and liabilities classified as Level 3 and measured at fair value on a recurring basis at December 31, 2015: Financial Instrument Valuation Technique Unobservable Input(s) Range (Weighted Average) Mortgage Servicing Rights Discounted cash flow Prepayment speed 105-369% (178%) Discount rate 8%-12% (10%) Non-agency Discounted cash flow Discount rate 7%-9% (8%) The following table provides a description of the valuation technique, unobservable input, and qualitative information about the unobservable inputs for the Company’s assets and liabilities classified as Level 3 and measured at fair value on a recurring basis at December 31, 2014: Financial Instrument Valuation Technique Unobservable Input(s) Range (Weighted Average) Mortgage Servicing Rights Discounted cash flow Prepayment speed 95-462% (216%) Discount rate 8-12% (10%) Non-agency Discounted cash flow Discount rate 7%-9% (8%)
Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value of Assets, Quantitative Information	The following table provides a description of the valuation technique, observable input, and qualitative information about the unobservable inputs for the Company’s assets and liabilities classified as Level 3 and measured at fair value on a nonrecurring basis at December 31, 2015: Financial Instrument Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) OREO Market approach Adjusted for difference 0-57% (7%) Impaired loans Market approach Adjusted for difference 0-100% (7%) The following table provides a description of the valuation technique, observable input, and qualitative information about the unobservable inputs for the Company’s assets and liabilities classified as Level 3 and measured at fair value on a nonrecurring basis at December 31, 2014: Financial Instrument Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) OREO Market approach Adjusted for difference 0-44% (12%) Impaired loans Market approach Adjusted for difference 0-100% (7%)

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Earnings per Common Share	Earnings per share are summarized in the following table (all figures in thousands except earnings per share): Years Ended December 31, 2015 2014 Net income $ 4,790 $ 4,240 Weighted average number of shares outstanding, basic 2,492 2,513 Effect of potentially dilutive common shares (1) 88 89 Weighted average number of shares outstanding, diluted 2,579 2,602 Earnings per share, basic $ 1.92 $ 1.69 Earnings per share, diluted $ 1.86 $ 1.63 (1) Represents the effect of the assumed exercise of warrants, assumed exercise of stock options, vesting of non-participating restricted shares, and vesting of restricted stock units, based on the treasury stock method.

Employee Benefits (Tables)

Employee Benefits (Tables)	12 Months Ended
	Dec. 31, 2015
Employee Benefits [Abstract]
Summary of Stock Option Plan Awards	The following is a summary of the Company’s stock option plan awards during the period ended December 31, 2015: Shares Weighted- Average Exercise Price Weighted- Average Remaining Contractual Term In Years Aggregate Intrinsic Value Outstanding at the beginning of the year 152,018 $ 13.30 7.21 $ 858,902 Granted 40,782 18.36 Exercised (7,187 ) 9.13 Forfeited (1,205 ) 16.80 Expired — — Outstanding at December 31, 2015 184,407 $ 14.56 6.97 $ 1,490,009 Exercisable 83,375 $ 12.20 5.51 $ 870,435 Expected to vest, assuming a 0% forfeiture rate over the vesting term 184,407 $ 14.56 6.97 $ 1,490,009
Weighted-average Assumptions Used in Determining Fair Value of Options Granted	The fair value of options granted in 2015 was determined using the following weighted-average assumptions as of the grant date. Annual dividend yield 1.20% Expected volatility 24.80% Risk-free interest rate 1.35% Expected term 5.0 Years Weighted-average grant date fair value per option granted $3.83
Summary of Nonvested Restricted Stock Awards	The following is a summary of the Company’s non-vested restricted stock awards for the year ended December 31, 2015: Non-vested Shares Shares Weighted- Average Grant- Date Fair Value Per Share Aggregate Intrinsic Value Per Share Non-vested at January 1, 2015 33,243 $ 15.60 Granted 10,208 18.36 Vested (11,416 ) 16.03 Forfeited (482 ) 16.80 Expired — Non-vested at December 31, 2015 31,533 $ 16.32 $ 6.32 Expected to vest assuming a 0% forfeiture rate over the vesting term 31,533 $ 16.32 $ 6.32

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Provision for Income Taxes	The provision for income taxes at December 31, 2015 and 2014 was as follows (in thousands): At December 31, 2015 2014 Current $ 2,648 $ 2,475 Deferred (359 ) (137 ) Total tax expense $ 2,289 $ 2,338
Reconciliation of Provision for Income Taxes	A reconciliation of the provision for income taxes for the years ended December 31, 2015 and 2014 with amounts determined by applying the statutory U.S. federal income tax rate to income before income taxes is as follows (dollars in thousands): Years Ended December 31, 2015 2014 Provision at statutory rate $ 2,407 $ 2,237 Tax-exempt income (63 ) (154 ) Other (55 ) 183 2,289 2,338 Federal Tax Rate 34.0 % 34.0 % Tax exempt rate (0.9 ) (2.3 ) Other (0.8 ) 3.8 Effective tax rate 32.3 % 35.5 %
Components of Deferred Tax Assets	The following table reflects the temporary differences that gave rise to the components of the Company’s deferred tax assets at December 31, 2015 and 2014 (in thousands): At December 31, 2015 2014 Deferred tax assets Deferred compensation and supplemental retirement $ 437 $ 397 Other, net 164 166 Nonaccrual interest — 8 Equity based compensation 90 57 Allowance for loan losses 641 385 Total deferred tax assets 1,332 1,013 Deferred tax liabilities Prepaid expenses (79 ) (66 ) FHLB stock dividends (142 ) (142 ) Unrealized gain on securities (84 ) (94 ) Depreciation (112 ) (83 ) Intangible assets (3 ) (2 ) Mortgage servicing rights (55 ) — Deferred loan costs (322 ) (460 ) Total deferred tax liabilities (797 ) (847 ) Net deferred tax asset $ 535 $ 166

Minimum Regulatory Capital Re42

Minimum Regulatory Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2015
Minimum Regulatory Capital Requirements [Abstract]
Actual Capital Amounts and Ratios	The Bank’s actual capital amounts (in thousands) and ratios as of December 31, 2015 and 2014 are presented in the following table: Actual Minimum Capital Requirements Minimum Required to Be Well-Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2015 Tier 1 Capital to total adjusted assets (1) $ 53,041 10.19 % $ 20,812 ≥ 4.0 % $ 26,015 ≥ 5.0 % Common Equity Tier 1 risk-based capital ratio (1) $ 53,041 11.70 % $ 20,401 ≥ 4.5 % $ 29,467 ≥ 6.5 % Tier 1 Capital to risk-weighted assets (2) $ 53,041 11.70 % $ 27,201 ≥ 6.0 % $ 36,268 ≥ 8.0 % Total Capital to risk-weighted assets (2) $ 57,677 12.74 % $ 36,268 ≥ 8.0 % $ 45,335 ≥ 10.0 % As of December 31, 2014 Tier 1 Capital to total adjusted assets (3) $ 48,343 10.19 % $ 18,973 ≥ 4.0 % $ 23,716 ≥ 5.0 % Tier 1 Capital to risk-weighted assets (4) $ 48,343 12.44 % $ 15,540 ≥ 4.0 % $ 23,310 ≥ 6.0 % Total Capital to risk-weighted assets (4) $ 52,730 13.57 % $ 31,080 ≥ 8.0 % $ 38,850 ≥ 10.0 % (1) Based on total adjusted assets of $520,307 at December 31, 2015. (2) Based on risk-weighted assets of $453,345 at December 31, 2015. (3) Based on total adjusted assets of $474,313 at December 31, 2014. (4) Based on risk-weighted assets of $388,498 at December 31, 2014.

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies [Abstract]
Financial Instruments whose Contract Amount Represents Credit Risk	Financial instruments whose contract amount represents credit risk were as follow (in thousands): At December 31, 2015 2014 Commitments to make loans $ 6,037 $ 5,615 Undisbursed portion of loans closed 32,951 37,337 Unused lines of credit 19,925 30,615 Irrevocable letters of credit 185 65 Total loan commitments $ 59,098 $ 73,632

Parent Company Financial Info44

Parent Company Financial Information (Tables)	12 Months Ended
	Dec. 31, 2015
Parent Company Financial Information [Abstract]
Balance Sheets	Balance sheets December 31, 2015 2014 Assets Cash and cash equivalents $ 451 $ 413 Investment in Sound Community Bank 53,483 49,443 Other assets 586 788 Total assets $ 54,520 $ 50,644 Liabilities and Stockholders’ Equity Other liabilities — — Total liabilities — — Stockholders’ equity 54,520 50,644 Total liabilities and stockholders’ equity $ 54,520 $ 50,644
Statements of Income	Statements of Income Year Ended December 31, 2015 2014 Interest income $ — $ — Dividend from subsidiary 1,200 — Other expenses (244 ) (169 ) Loss before income tax benefit and equity in undistributed net income of subsidiary 956 (169 ) Income tax benefit 83 46 Equity in undistributed earnings of subsidiary 3,751 4,363 Net income $ 4,790 $ 4,240
Statements of Cash Flows	Statements of Cash Flows Year Ended December 31, 2014 2014 Cash flows from operating activities: Net income $ 4,790 $ 4,240 Adjustments to reconcile net income to net cash provided by operating activities Other, net 312 (81 ) Change in undistributed equity of subsidiary (3,751 ) (4,363 ) Net cash used by operating activities 1,351 (204 ) Cash flows from investing activities: Net change in ESOP loan receivable 457 403 Net cash provided by investing activities 457 403 Cash flows from financing activities: Dividends paid (574 ) (504 ) excess tax benefit of stock compensation — 39 Common stock exercised 65 81 Common stock repurchased (1,261 ) (904 ) Net cash used by financing activities (1,770 ) (1,288 ) Net increase (decrease) in cash 38 (1,089 ) Cash and cash equivalents at beginning of year 413 1,502 Cash and cash equivalents at end of year $ 451 $ 413

Organization and Significant 45

Organization and Significant Accounting Policies (Details)	12 Months Ended
	Dec. 31, 2015USD ($)Segmentshares	Dec. 31, 2014USD ($)
Loans [Abstract]
Minimum past due period after which accrual of interest is discontinued	3 months
Loans charge off period, maximum	120 days
Period of consecutive monthly loan payments for loan to return to accrual status	12 months
Federal Home Loan Bank Stock [Abstract]
Minimum required investment in Federal Home Loan Bank Stock	$ 2,200,000	$ 1,300,000
Segment reporting [Abstract]
Number of operating segments | Segment	1
Advertising costs [Abstract]
Advertising costs	$ 150,000	135,000
Employee stock ownership plan [Abstract]
Unallocated shares (in shares) | shares	88,243
Shares released (in shares) | shares	21,443
Furniture and Equipment [Member] | Minimum [Member]
Premises and equipment [Abstract]
Useful life	1 year
Furniture and Equipment [Member] | Maximum [Member]
Premises and equipment [Abstract]
Useful life	10 years
Building [Member] | Maximum [Member]
Premises and equipment [Abstract]
Useful life	39 years
Core Deposits [Member]
Acquired Finite-Lived Intangible Assets [Line Items]
Intangible asset	$ 485,000	615,000
Amortization period	9 years 6 months
Remaining weighted average life	3 years 2 months 12 days
Impairment loss on intangible assets	$ 0	$ 0

Restricted Cash (Details)

Restricted Cash (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Restricted Cash [Abstract]
Reserve balances with Federal Reserve Bank	$ 4.6	$ 3.3

Investments (Details)

Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 6,449	$ 11,247
Gross Unrealized Gains	286	365
Gross Unrealized Losses	(39)	(88)
Estimated Fair Value	6,696	11,524
Municipal Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	1,912	1,911
Gross Unrealized Gains	184	172
Gross Unrealized Losses	0	0
Estimated Fair Value	2,096	2,083
Agency Mortgage-backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	4,088	7,024
Gross Unrealized Gains	102	110
Gross Unrealized Losses	(18)	(38)
Estimated Fair Value	4,172	7,096
Non-agency Mortgage-backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	449	2,312
Gross Unrealized Gains	0	83
Gross Unrealized Losses	(21)	(50)
Estimated Fair Value	$ 428	$ 2,345

Investments, Mortgage-backed Se

Investments, Mortgage-backed Securities by Contractual Maturity (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Available-for-sale Securities by Contractual Maturity, Amortized Cost [Abstract]
Due in less than one year	$ 94,000
Due in one to five years	2,605,000
Due after five to ten years	1,649,000
Due after ten years	2,101,000
Total	6,449,000
Available-for-sale Securities by Contractual Maturity, Fair Value [Abstract]
Due in less than one year	95,000
Due in one to five years	2,707,000
Due after five to ten years	1,649,000
Due after ten years	2,245,000
Total	6,696,000
Pledged securities	0
Sales of available for sale securities	$ 0	$ 0

Investments, Securities in Cont

Investments, Securities in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months	$ 0	$ 627
12 Months or Longer	1,798	2,723
Total	1,798	3,350
Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months	0	(6)
12 Months or Longer	(39)	(82)
Total	(39)	(88)
Agency Mortgage-backed Securities [Member]
Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months	0	627
12 Months or Longer	1,370	2,216
Total	1,370	2,843
Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months	0	(6)
12 Months or Longer	(18)	(32)
Total	(18)	(38)
Non-agency Mortgage-backed Securities [Member]
Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months	0	0
12 Months or Longer	428	507
Total	428	507
Continuous Unrealized Loss Position, Unrealized Loss [Abstract]
Less Than 12 Months	0	0
12 Months or Longer	(21)	(50)
Total	$ (21)	$ (50)

Investments, Other Than Tempora

Investments, Other Than Temporary Impairment (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)Security	Dec. 31, 2014USD ($)Security
Other than temporary impairment, credit losses recognized in earnings [Roll Forward]
Estimated credit losses, beginning balance | $	$ 450	$ 450
Additions for credit losses not previously recognized | $	0	0
Reduction for increases in cash flows | $	0	0
Removal of credit losses due to securities sold | $	(450)	0
Estimated credit losses, ending balance | $	$ 0	$ 450
Agency Mortgage-backed Securities [Member]
Other than temporary impairment, credit losses recognized in earnings [Roll Forward]
Number of portfolio securities	12	15
Number of securities in unrealized loss position	1	3
Non-agency Mortgage-backed Securities [Member]
Other than temporary impairment, credit losses recognized in earnings [Roll Forward]
Number of portfolio securities	1	5
Number of securities in unrealized loss position	1	1
Number of securities reflecting OTTI	0
Municipal Bonds [Member]
Other than temporary impairment, credit losses recognized in earnings [Roll Forward]
Number of portfolio securities	5	5

Loans (Details)

Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Composition of Loan Portfolio [Abstract]
Total loans	$ 461,176	$ 431,876
Deferred fees	(1,707)	(1,516)
Total loans, gross	459,469	430,360
Allowance for loan losses	(4,636)	(4,387)
Total loans, net	454,833	425,973
One-to Four- Family [Member]
Composition of Loan Portfolio [Abstract]
Total loans	141,125	133,031
Allowance for loan losses	(1,839)	(1,442)
Home Equity [Member]
Composition of Loan Portfolio [Abstract]
Total loans	31,573	34,675
Allowance for loan losses	(607)	(601)
Commercial and Multifamily [Member]
Composition of Loan Portfolio [Abstract]
Total loans	175,312	168,952
Allowance for loan losses	(921)	(1,244)
Construction and Land [Member]
Composition of Loan Portfolio [Abstract]
Total loans	57,043	46,279
Allowance for loan losses	(382)	(399)
Manufactured Homes [Member]
Composition of Loan Portfolio [Abstract]
Total loans	13,798	12,539
Allowance for loan losses	(301)	(193)
Other Consumer [Member]
Composition of Loan Portfolio [Abstract]
Total loans	23,030	16,875
Allowance for loan losses	(188)	(167)
Real Estate Loans [Member]
Composition of Loan Portfolio [Abstract]
Total loans	405,053	382,937
Real Estate Loans [Member] | One-to Four- Family [Member]
Composition of Loan Portfolio [Abstract]
Total loans	141,125	133,031
Real Estate Loans [Member] | Home Equity [Member]
Composition of Loan Portfolio [Abstract]
Total loans	31,573	34,675
Real Estate Loans [Member] | Commercial and Multifamily [Member]
Composition of Loan Portfolio [Abstract]
Total loans	175,312	168,952
Real Estate Loans [Member] | Construction and Land [Member]
Composition of Loan Portfolio [Abstract]
Total loans	57,043	46,279
Consumer Loans [Member]
Composition of Loan Portfolio [Abstract]
Total loans	36,828	29,414
Consumer Loans [Member] | Manufactured Homes [Member]
Composition of Loan Portfolio [Abstract]
Total loans	13,798	12,539
Consumer Loans [Member] | Other Consumer [Member]
Composition of Loan Portfolio [Abstract]
Total loans	23,030	16,875
Commercial Business Loans [Member]
Composition of Loan Portfolio [Abstract]
Total loans	19,295	19,525
Allowance for loan losses	$ (157)	$ (108)

Loans, Allowance for Loan Losse

Loans, Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Allowance for loan losses [Abstract]
Individually evaluated for impairment	$ 882	$ 367
Collectively evaluated for impairment	3,754	4,020
Ending balance	4,636	4,387
Loans receivable [Abstract]
Individually evaluated for impairment	9,220	9,148
Collectively evaluated for impairment	451,956	422,728
Total loans	461,176	431,876
Summary of activity in loan losses [Roll Forward]
Beginning allowance	4,387	4,177
Charge-offs	(210)	(743)
Recoveries	59	153
Provision	400	800
Ending allowance	4,636	4,387
One-to Four- Family [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	647	258
Collectively evaluated for impairment	1,192	1,184
Ending balance	1,839	1,442
Loans receivable [Abstract]
Individually evaluated for impairment	5,779	4,186
Collectively evaluated for impairment	135,346	128,845
Total loans	141,125	133,031
Summary of activity in loan losses [Roll Forward]
Beginning allowance	1,442	1,915
Charge-offs	(21)	(127)
Recoveries	0	64
Provision	418	(410)
Ending allowance	1,839	1,442
Home Equity [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	110	28
Collectively evaluated for impairment	497	573
Ending balance	607	601
Loans receivable [Abstract]
Individually evaluated for impairment	904	1,247
Collectively evaluated for impairment	30,669	33,428
Total loans	31,573	34,675
Summary of activity in loan losses [Roll Forward]
Beginning allowance	601	781
Charge-offs	(35)	(295)
Recoveries	36	52
Provision	5	63
Ending allowance	607	601
Commercial and Multifamily [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	36	8
Collectively evaluated for impairment	885	1,236
Ending balance	921	1,244
Loans receivable [Abstract]
Individually evaluated for impairment	1,966	2,956
Collectively evaluated for impairment	173,346	165,996
Total loans	175,312	168,952
Summary of activity in loan losses [Roll Forward]
Beginning allowance	1,244	300
Charge-offs	0	(47)
Recoveries	0	2
Provision	(323)	989
Ending allowance	921	1,244
Construction and Land [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	18	14
Collectively evaluated for impairment	364	385
Ending balance	382	399
Loans receivable [Abstract]
Individually evaluated for impairment	91	180
Collectively evaluated for impairment	56,952	46,099
Total loans	57,043	46,279
Summary of activity in loan losses [Roll Forward]
Beginning allowance	399	318
Charge-offs	(40)	0
Recoveries	0	0
Provision	23	81
Ending allowance	382	399
Manufactured Homes [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	63	41
Collectively evaluated for impairment	238	152
Ending balance	301	193
Loans receivable [Abstract]
Individually evaluated for impairment	361	404
Collectively evaluated for impairment	13,437	12,135
Total loans	13,798	12,539
Summary of activity in loan losses [Roll Forward]
Beginning allowance	193	209
Charge-offs	(37)	(197)
Recoveries	8	14
Provision	137	167
Ending allowance	301	193
Other Consumer [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	0	18
Collectively evaluated for impairment	188	149
Ending balance	188	167
Loans receivable [Abstract]
Individually evaluated for impairment	5	51
Collectively evaluated for impairment	23,025	16,824
Total loans	23,030	16,875
Summary of activity in loan losses [Roll Forward]
Beginning allowance	167	109
Charge-offs	(77)	(77)
Recoveries	15	21
Provision	83	114
Ending allowance	188	167
Commercial Business [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	8	0
Collectively evaluated for impairment	149	108
Ending balance	157	108
Loans receivable [Abstract]
Individually evaluated for impairment	114	124
Collectively evaluated for impairment	19,181	19,401
Total loans	19,295	19,525
Summary of activity in loan losses [Roll Forward]
Beginning allowance	108	102
Charge-offs	0	0
Recoveries	0	0
Provision	49	6
Ending allowance	157	108
Unallocated [Member]
Allowance for loan losses [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	241	233
Ending balance	241	233
Loans receivable [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	0	0
Total loans	0	0
Summary of activity in loan losses [Roll Forward]
Beginning allowance	233	443
Charge-offs	0	0
Recoveries	0	0
Provision	8	(210)
Ending allowance	$ 241	$ 233

Loans, Credit Quality (Details)

Loans, Credit Quality (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 461,176	$ 431,876
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	447,282	406,870
Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	8,493	21,591
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	2,872	24
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	2,529	3,391
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
One-to Four- Family [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	141,125	133,031
One-to Four- Family [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	136,879	120,152
One-to Four- Family [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,015	11,793
One-to Four- Family [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,409	0
One-to Four- Family [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,822	1,086
One-to Four- Family [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
One-to Four- Family [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	31,573	34,675
Home Equity [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	30,310	30,785
Home Equity [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	609	3,322
Home Equity [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Home Equity [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	654	568
Home Equity [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Home Equity [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial and Multifamily [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	175,312	168,952
Commercial and Multifamily [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	169,072	163,573
Commercial and Multifamily [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	4,810	3,740
Commercial and Multifamily [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,430	0
Commercial and Multifamily [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	1,639
Commercial and Multifamily [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial and Multifamily [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Construction and Land [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	57,043	46,279
Construction and Land [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	55,984	45,427
Construction and Land [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,059	852
Construction and Land [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Construction and Land [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Construction and Land [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Construction and Land [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Manufactured Homes [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	13,798	12,539
Manufactured Homes [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	13,621	11,427
Manufactured Homes [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	96	1,038
Manufactured Homes [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	33	24
Manufactured Homes [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	48	50
Manufactured Homes [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Manufactured Homes [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Other Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	23,030	16,875
Other Consumer [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	22,967	16,587
Other Consumer [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	58	240
Other Consumer [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Other Consumer [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	5	48
Other Consumer [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Other Consumer [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Business [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	19,295	19,525
Commercial Business [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	18,449	18,919
Commercial Business [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	846	606
Commercial Business [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Business [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Business [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Business [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 0	$ 0

Loans, Nonaccrual and Past Due

Loans, Nonaccrual and Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 1,528	$ 1,464
Recorded Investment > 90 days and accruing	117	114
Total past due	5,027	4,005
Current	456,149	427,871
Total loans	461,176	431,876
30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	3,347	2,535
60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	386	325
Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	1,177	1,031
One-to Four- Family [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	1,157	1,092
Recorded Investment > 90 days and accruing	117	0
Total past due	3,716	2,187
Current	137,409	130,844
Total loans	141,125	133,031
One-to Four- Family [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	2,453	1,300
One-to Four- Family [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	265	167
One-to Four- Family [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	881	720
Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	344	258
Recorded Investment > 90 days and accruing	0	0
Total past due	708	897
Current	30,865	33,778
Total loans	31,573	34,675
Home Equity [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	352	585
Home Equity [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	60	109
Home Equity [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	296	203
Construction and Land [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	0	81
Recorded Investment > 90 days and accruing	0	0
Total past due	65	81
Current	56,978	46,198
Total loans	57,043	46,279
Construction and Land [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	65	0
Construction and Land [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	0	0
Construction and Land [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	0	81
Commercial and Multifamily [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment > 90 days and accruing	0	0
Total past due	203	0
Current	175,109	168,952
Total loans	175,312	168,952
Commercial and Multifamily [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	203	0
Commercial and Multifamily [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	0	0
Commercial and Multifamily [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	0	0
Manufactured Homes [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	27	6
Recorded Investment > 90 days and accruing	0	114
Total past due	130	380
Current	13,668	12,159
Total loans	13,798	12,539
Manufactured Homes [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	103	197
Manufactured Homes [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	27	42
Manufactured Homes [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	0	27
Other Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	0	27
Recorded Investment > 90 days and accruing	0	0
Total past due	43	30
Current	22,987	16,845
Total loans	23,030	16,875
Other Consumer [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	17	23
Other Consumer [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	26	7
Other Consumer [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	0	0
Commercial Business [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Recorded Investment > 90 days and accruing	0	0
Total past due	162	430
Current	19,133	19,095
Total loans	19,295	19,525
Commercial Business [Member] | 30-59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	154	430
Commercial Business [Member] | 60-89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	8	0
Commercial Business [Member] | Greater Than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	$ 0	$ 0

Loans, Credit Risk Profile Base

Loans, Credit Risk Profile Based on Payment Activity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Number of days past due for loans still accruing interest to be considered nonperforming	90 days
Minimum period of no sufficient payment history for TDRs to be considered nonperforming	6 months
Number of days past due for TDRs loans to be considered nonperforming	31 days
Credit Risk Profile by Type of Loan [Abstract]
Total loans	$ 461,176	$ 431,876
Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	454,137	428,034
Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	2,130	3,842
One-to Four- Family [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	141,125	133,031
One-to Four- Family [Member] | Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	139,484	131,519
One-to Four- Family [Member] | Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	1,640	1,512
Home Equity [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	31,573	34,675
Home Equity [Member] | Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	31,146	34,289
Home Equity [Member] | Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	428	386
Commercial and Multifamily [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	175,312	168,952
Commercial and Multifamily [Member] | Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	175,312	167,313
Commercial and Multifamily [Member] | Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	0	1,639
Construction and Land [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	57,043	46,279
Construction and Land [Member] | Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	57,043	46,198
Construction and Land [Member] | Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	0	81
Manufactured Homes [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	13,798	12,539
Manufactured Homes [Member] | Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	13,736	12,344
Manufactured Homes [Member] | Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	62	195
Other Consumer [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	23,030	16,875
Other Consumer [Member] | Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	23,030	16,846
Other Consumer [Member] | Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	0	29
Commercial Business [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	19,295	19,525
Commercial Business [Member] | Performing [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	19,295	19,525
Commercial Business [Member] | Nonperforming [Member]
Credit Risk Profile by Type of Loan [Abstract]
Total loans	$ 0	$ 0

Loans, Loans Individually Evalu

Loans, Loans Individually Evaluated for Impairment (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
With no related allowance recorded [Abstract]
Recorded investment	$ 2,091,000	$ 4,414,000
Unpaid principal balance	2,207,000	4,776,000
Average recorded investment	2,963,000	3,830,000
Interest income recognized	110,000	191,000
With an allowance recorded [Abstract]
Recorded investment	7,129,000	4,734,000
Unpaid principal balance	7,340,000	4,828,000
Related allowance	882,000	367,000
Average recorded investment	6,308,000	6,400,000
Interest income recognized	327,000	225,000
Total [Abstract]
Recorded investments	9,220,000	9,148,000
Unpaid principal balance	9,547,000	9,604,000
Related allowance	882,000	367,000
Average recorded investment	9,271,000	10,230,000
Interest income recognized	437,000	416,000
Impaired loans, interest income forgone	104,000	78,000
Commitments to lend additional funds to borrowers whose loans were classified as nonaccrual, TDR or impaired	0	0
One-to Four- Family [Member]
With no related allowance recorded [Abstract]
Recorded investment	499,000	2,096,000
Unpaid principal balance	615,000	2,340,000
Average recorded investment	1,390,000	1,314,000
Interest income recognized	23,000	83,000
With an allowance recorded [Abstract]
Recorded investment	5,280,000	2,090,000
Unpaid principal balance	5,396,000	2,090,000
Related allowance	647,000	258,000
Average recorded investment	3,686,000	3,082,000
Interest income recognized	246,000	93,000
Total [Abstract]
Recorded investments	5,779,000	4,186,000
Unpaid principal balance	6,011,000	4,430,000
Related allowance	647,000	258,000
Average recorded investment	5,076,000	4,396,000
Interest income recognized	269,000	176,000
Home Equity [Member]
With no related allowance recorded [Abstract]
Recorded investment	162,000	494,000
Unpaid principal balance	162,000	555,000
Average recorded investment	341,000	370,000
Interest income recognized	7,000	17,000
With an allowance recorded [Abstract]
Recorded investment	742,000	753,000
Unpaid principal balance	832,000	847,000
Related allowance	110,000	28,000
Average recorded investment	748,000	1,053,000
Interest income recognized	30,000	30,000
Total [Abstract]
Recorded investments	904,000	1,247,000
Unpaid principal balance	994,000	1,402,000
Related allowance	110,000	28,000
Average recorded investment	1,089,000	1,423,000
Interest income recognized	37,000	47,000
Commercial and Multifamily [Member]
With no related allowance recorded [Abstract]
Recorded investment	1,430,000	1,492,000
Unpaid principal balance	1,430,000	1,542,000
Average recorded investment	1,051,000	1,743,000
Interest income recognized	80,000	74,000
With an allowance recorded [Abstract]
Recorded investment	536,000	1,464,000
Unpaid principal balance	536,000	1,464,000
Related allowance	36,000	8,000
Average recorded investment	1,357,000	1,592,000
Interest income recognized	10,000	72,000
Total [Abstract]
Recorded investments	1,966,000	2,956,000
Unpaid principal balance	1,966,000	3,006,000
Related allowance	36,000	8,000
Average recorded investment	2,408,000	3,335,000
Interest income recognized	90,000	146,000
Construction and Land [Member]
With no related allowance recorded [Abstract]
Recorded investment	0	100,000
Unpaid principal balance	0	100,000
Average recorded investment	40,000	61,000
Interest income recognized	0	1,000
With an allowance recorded [Abstract]
Recorded investment	91,000	80,000
Unpaid principal balance	91,000	80,000
Related allowance	18,000	14,000
Average recorded investment	106,000	134,000
Interest income recognized	5,000	4,000
Total [Abstract]
Recorded investments	91,000	180,000
Unpaid principal balance	91,000	180,000
Related allowance	18,000	14,000
Average recorded investment	146,000	195,000
Interest income recognized	5,000	5,000
Manufactured Homes [Member]
With no related allowance recorded [Abstract]
Recorded investment	0	87,000
Unpaid principal balance	0	94,000
Average recorded investment	52,000	93,000
Interest income recognized	0	7,000
With an allowance recorded [Abstract]
Recorded investment	361,000	317,000
Unpaid principal balance	366,000	317,000
Related allowance	63,000	41,000
Average recorded investment	332,000	433,000
Interest income recognized	29,000	24,000
Total [Abstract]
Recorded investments	361,000	404,000
Unpaid principal balance	366,000	411,000
Related allowance	63,000	41,000
Average recorded investment	384,000	526,000
Interest income recognized	29,000	31,000
Other Consumer [Member]
With no related allowance recorded [Abstract]
Recorded investment	0	21,000
Unpaid principal balance	0	21,000
Average recorded investment	28,000	19,000
Interest income recognized	0	3,000
With an allowance recorded [Abstract]
Recorded investment	5,000	30,000
Unpaid principal balance	5,000	30,000
Related allowance	0	18,000
Average recorded investment	11,000	23,000
Interest income recognized	1,000	2,000
Total [Abstract]
Recorded investments	5,000	51,000
Unpaid principal balance	5,000	51,000
Related allowance	0	18,000
Average recorded investment	39,000	42,000
Interest income recognized	1,000	5,000
Commercial Business [Member]
With no related allowance recorded [Abstract]
Recorded investment	0	124,000
Unpaid principal balance	0	124,000
Average recorded investment	61,000	230,000
Interest income recognized	0	6,000
With an allowance recorded [Abstract]
Recorded investment	114,000	0
Unpaid principal balance	114,000	0
Related allowance	8,000	0
Average recorded investment	68,000	83,000
Interest income recognized	6,000	0
Total [Abstract]
Recorded investments	114,000	124,000
Unpaid principal balance	114,000	124,000
Related allowance	8,000	0
Average recorded investment	129,000	313,000
Interest income recognized	$ 6,000	$ 6,000

Loans, Troubled Debt Restructur

Loans, Troubled Debt Restructurings (Details)	12 Months Ended
	Dec. 31, 2015USD ($)ContractLoan	Dec. 31, 2014USD ($)ContractLoan
Financing Receivable, Modifications [Line Items]
Loans classified as TDRs	$ 6,000,000	$ 7,700,000
Number of contracts | Contract	1	5
Total modifications	$ 368,000	$ 1,945,000
TDR modifications with subsequent default	$ 0	$ 174,000
Number of days past due to be considered in default	31 days
Number of days past due to be considered nonaccrual status	90 days	90 days
Number of TDRs loans in nonaccrual status | Loan	6	1
Total of TDRs loans in non accrual status	$ 533,000	$ 55,000
Commitments to lend additional funds to borrowers whose loan terms have been modified in TDRs	0	0
Rate Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications	0	0
Term Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications	0	0
Payment Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications	0	0
Combination Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications	$ 368,000	$ 1,945,000
60-89 Days Past Due [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts | Loan		2
Total modifications		$ 276,000
Number of TDRs loans in nonaccrual status | Loan	0
Greater Than 90 Days Past Due [Member]
Financing Receivable, Modifications [Line Items]
Number of TDR modifications with subsequent default | Loan	0	0
One-to Four- Family [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts | Contract		2
Total modifications		$ 407,000
TDR modifications with subsequent default	$ 0	174,000
One-to Four- Family [Member] | Rate Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0
One-to Four- Family [Member] | Term Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0
One-to Four- Family [Member] | Payment Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0
One-to Four- Family [Member] | Combination Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		$ 407,000
Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts | Contract		2
Total modifications		$ 74,000
TDR modifications with subsequent default	$ 0	0
Home Equity [Member] | Rate Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0
Home Equity [Member] | Term Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0
Home Equity [Member] | Payment Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		0
Home Equity [Member] | Combination Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications		$ 74,000
Commercial and Multifamily [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts | Contract	1	1
Total modifications	$ 368,000	$ 1,464,000
Commercial and Multifamily [Member] | Rate Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications	0	0
Commercial and Multifamily [Member] | Term Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications	0	0
Commercial and Multifamily [Member] | Payment Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications	0	0
Commercial and Multifamily [Member] | Combination Modifications [Member]
Financing Receivable, Modifications [Line Items]
Total modifications	$ 368,000	$ 1,464,000

Loans, Loans to Related Parties

Loans, Loans to Related Parties (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Loans [Abstract]
Annual adjustable rate over rolling cost of funds	1.00%
Discount on market loan rate for consumer loans to employees and officers	1.00%
Director and Officer Loans [Roll Forward]
Balance, beginning of period	$ 4,675	$ 5,214
Advances	69	49
New / (retired) loans, net	174	(381)
Repayments	(826)	(207)
Balance, end of period	4,093	4,675
Secured real estate loans that have loan-to-value ratios above supervisory guidelines	$ 7,800	$ 15,500

Mortgage Servicing Rights (Deta

Mortgage Servicing Rights (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Mortgage Servicing Rights [Abstract]
Unpaid principal balances of loans serviced for FNMA		$ 360,400	$ 357,800
Unpaid principal balances of loans serviced for other financial institutions		9,400	14,200
Contractually specified servicing, late and ancillary fees earned, recorded in mortgage servicing income		840	509
Summary of the Change in the Balance of Mortgage Service Rights Assets [Roll Forward]
Beginning balance, at fair value		3,028
Changes in fair value [Abstract]
Due to changes in model inputs or assumptions		(210)	(328)
Ending balance, at fair value		3,249	3,028
Mortgage Servicing Assets [Member]
Summary of the Change in the Balance of Mortgage Service Rights Assets [Roll Forward]
Beginning balance, at fair value		3,028	2,984
Servicing rights that result from transfers of financial assets		679	505
Changes in fair value [Abstract]
Due to changes in model inputs or assumptions	[1]	210	328
Other	[2]	(668)	(789)
Ending balance, at fair value		$ 3,249	$ 3,028
Key economic assumptions used in determining fair value of mortgage servicing rights [Abstract]
Prepayment speed (PSA)		178.00%	216.00%
Weighted-average life		6 years 8 months 12 days	5 years 10 months 24 days
Yield to maturity discount rate		10.00%	10.00%
[1]	Represents changes in discount rates and prepayment speed assumptions, which are primarily affected by changes in interest rates.
[2]	Represents changes due to collection or realization of expected cash flows over time.

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Less: Accumulated depreciation and amortization	$ (2,809)	$ (2,190)
Premises and equipment, net	5,335	5,555
Depreciation and amortization expense	620	555
Land [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	653	653
Building and Improvements [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	4,739	5,390
Furniture and Equipment [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$ 2,752	$ 1,702

Premises and Equipment, Operati

Premises and Equipment, Operating Leases (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Minimum Rental Payments under Non-Cancelable Operating Leases [Abstract]
2,016	$ 1,101,000
2,017	1,270,000
2,018	933,000
2,019	903,000
2,020	858,000
Thereafter	6,981,000
Total	12,046,000
Rental expense	$ 877,000	$ 873,000

Other Real Estate Owned and R62

Other Real Estate Owned and Repossessed Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Other Real Estate [Roll Forward]
Beginning balance	$ 323	$ 1,178
Additions to OREO and repossessed assets	1,383	608
Capitalized improvements	0	12
Pay downs/Sales	(736)	(1,447)
Write-downs/Losses	(201)	(28)
Ending balance	$ 769	$ 323

Deposits (Details)

Deposits (Details) - USD ($)		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Summary of Deposit Accounts with the Corresponding Weighted Average Cost of Funds [Abstract]
Noninterest-bearing demand		$ 48,067,000	$ 41,773,000
Interest-bearing demand		127,392,000	103,048,000
Savings		38,833,000	33,233,000
Money market		54,046,000	55,236,000
Certificates		168,880,000	171,939,000
Escrow	[1]	2,806,000	2,580,000
Total deposits		$ 440,024,000	$ 407,809,000
Weighted Average Interest Rate [Abstract]
Noninterest-bearing demand		0.00%	0.00%
Interest-bearing demand		0.42%	0.43%
Savings		0.18%	0.16%
Money market		0.16%	0.27%
Certificates		1.22%	1.03%
Escrow	[1]	0.00%	0.00%
Total deposits		0.63%	0.60%
Stated Maturities of Time Deposits [Abstract]
2,016		$ 100,780,000
2,017		50,127,000
2,018		11,687,000
2,019		2,236,000
Thereafter		4,050,000
Total time deposits		$ 168,880,000
Maximum time to maturity of certificate accounts		5 years
Time deposits in denominations of $250,000 or more		$ 63,300,000	$ 54,500,000
Maximum federal insurability of time deposits		250,000
Brokered deposits		4,700,000	5,000,000
Related party deposits		$ 3,000,000	$ 2,200,000
[1]	Escrow balances shown in noninterest-bearing deposits on the consolidated balance sheets

Borrowings (Details)

Borrowings (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Contractual principal repayments [Abstract]
2,016	$ 40,143,000
2,017	292,000
Total	40,435,000
Federal Home Loan Bank of Des Moines [Member]
Short-term Debt [Line Items]
Amount available to borrow under loan agreement	174,000,000	$ 133,300,000
Outstanding borrowings	40,400,000	30,600,000
Contractual principal repayments [Abstract]
Maximum amount outstanding from FHLB under term advances	45,000,000	47,000,000
Average balance outstanding	$ 24,600,000	$ 26,400,000
Weighted average interest rate on borrowings	0.43%	0.58%
One-to Four- Family [Member] | Federal Home Loan Bank of Des Moines [Member]
Short-term Debt [Line Items]
Loans used as collateral for credit facility	$ 101,000,000
Home Equity [Member] | Federal Home Loan Bank of Des Moines [Member]
Short-term Debt [Line Items]
Loans used as collateral for credit facility	8,000,000
Commercial and Multifamily [Member] | Federal Home Loan Bank of Des Moines [Member]
Short-term Debt [Line Items]
Loans used as collateral for credit facility	130,600,000
Line of Credit [Member] | Pacific Coast Banker's Bank [Member]
Short-term Debt [Line Items]
Amount available to borrow under loan agreement	2,000,000
Outstanding borrowings	$ 0	$ 0
Contractual principal repayments [Abstract]
Term period	2 years
Maturity date	Jun. 30, 2016
Line of Credit [Member] | Zions Bank [Member]
Short-term Debt [Line Items]
Outstanding borrowings	$ 0	0
Contractual principal repayments [Abstract]
Line of credit, maximum borrowing capacity	9,000,000
Line of credit facility cash balance	250,000
Line of Credit [Member] | The Independent Bank [Member]
Short-term Debt [Line Items]
Amount available to borrow under loan agreement	10,000,000
Outstanding borrowings	0
Federal Reserve Bank Advances [Member]
Short-term Debt [Line Items]
Outstanding borrowings	0	0
Contractual principal repayments [Abstract]
Unused borrowing capacity	25,900,000	21,800,000
Letters of Credit [Member] | Federal Home Loan Bank of Des Moines [Member]
Short-term Debt [Line Items]
Letters of credit to secure public deposits	47,500,000	42,500,000
Net remaining amount available	$ 86,100,000	$ 60,300,000

Fair Value Measurements, Fair V

Fair Value Measurements, Fair Value Hierarchy (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
FINANCIAL ASSETS [Abstract]
Available for sale securities	$ 6,696	$ 11,524
Mortgage servicing rights	3,249	3,028
Level 1 [Member]
FINANCIAL ASSETS [Abstract]
Cash and cash equivalents	48,264	29,289
Available for sale securities	0	0
Loans held-for-sale	0	0
Loans, net	0	0
Accrued interest receivable	1,608	1,497
Mortgage servicing rights	0	0
FHLB Stock	0	0
FINANCIAL LIABILITIES [Abstract]
Non-maturity deposits	0	0
Time deposits	0	0
Borrowings	0	0
Accrued interest payable	0	0
Level 2 [Member]
FINANCIAL ASSETS [Abstract]
Cash and cash equivalents	0	0
Available for sale securities	6,268	9,179
Loans held-for-sale	2,091	828
Loans, net	0	0
Accrued interest receivable	0	0
Mortgage servicing rights	0	0
FHLB Stock	0	0
FINANCIAL LIABILITIES [Abstract]
Non-maturity deposits	271,639	235,870
Time deposits	168,091	172,334
Borrowings	40,421	30,534
Accrued interest payable	72	76
Level 3 [Member]
FINANCIAL ASSETS [Abstract]
Cash and cash equivalents	0	0
Available for sale securities	428	2,345
Loans held-for-sale	0	0
Loans, net	454,854	423,714
Accrued interest receivable	0	0
Mortgage servicing rights	3,249	3,028
FHLB Stock	2,212	2,224
FINANCIAL LIABILITIES [Abstract]
Non-maturity deposits	0	0
Time deposits	0	0
Borrowings	0	0
Accrued interest payable	0	0
Carrying Value [Member]
FINANCIAL ASSETS [Abstract]
Cash and cash equivalents	48,264	29,289
Available for sale securities	6,696	11,524
Loans held-for-sale	2,091	810
Loans, net	454,833	425,973
Accrued interest receivable	1,608	1,497
Mortgage servicing rights	3,249	3,028
FHLB Stock	2,212	2,224
FINANCIAL LIABILITIES [Abstract]
Non-maturity deposits	271,639	235,870
Time deposits	168,881	171,939
Borrowings	40,435	30,578
Accrued interest payable	72	76
Estimated Fair Value [Member]
FINANCIAL ASSETS [Abstract]
Cash and cash equivalents	48,264	29,289
Available for sale securities	6,696	11,524
Loans held-for-sale	2,091	828
Loans, net	454,854	423,714
Accrued interest receivable	1,608	1,497
Mortgage servicing rights	3,249	3,028
FHLB Stock	2,212	2,224
FINANCIAL LIABILITIES [Abstract]
Non-maturity deposits	271,639	235,870
Time deposits	168,091	172,334
Borrowings	40,421	30,534
Accrued interest payable	$ 72	$ 76

Fair Value Measurements, Recurr

Fair Value Measurements, Recurring and Nonrecurring (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset transfers from Level 1 to Level 2	$ 0
Asset transfers from Level 2 into Level 3	0
Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Municipal bonds	2,096	$ 2,083
Agency mortgage-backed securities	4,172	7,096
Non-agency mortgage-backed securities	428	2,345
Mortgage servicing rights	3,249	3,028
Liabilities carried at fair value	0	0
Recurring [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Municipal bonds	0	0
Agency mortgage-backed securities	0	0
Non-agency mortgage-backed securities	0	0
Mortgage servicing rights	0	0
Recurring [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Municipal bonds	2,096	2,083
Agency mortgage-backed securities	4,172	7,096
Non-agency mortgage-backed securities	0	0
Mortgage servicing rights	0	0
Recurring [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Municipal bonds	0	0
Agency mortgage-backed securities	0	0
Non-agency mortgage-backed securities	428	2,345
Mortgage servicing rights	3,249	3,028
Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO and repossessed assets	769	323
Impaired loans	9,220	9,148
Liabilities carried at fair value	0	0
Nonrecurring [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO and repossessed assets	0	0
Impaired loans	0	0
Nonrecurring [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO and repossessed assets	0	0
Impaired loans	0	0
Nonrecurring [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO and repossessed assets	769	323
Impaired loans	$ 9,220	$ 9,148

Fair Value Measurements, Quanti

Fair Value Measurements, Quantitative Information (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Mortgage Servicing Rights [Member] | Discounted Cash Flow [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Prepayment speed assumption	105.00%	95.00%
Discount rate	8.00%	8.00%
Mortgage Servicing Rights [Member] | Discounted Cash Flow [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Prepayment speed assumption	369.00%	462.00%
Discount rate	12.00%	12.00%
Mortgage Servicing Rights [Member] | Discounted Cash Flow [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Prepayment speed assumption	178.00%	216.00%
Discount rate	10.00%	10.00%
Non-agency Mortgage-backed Securities [Member] | Discounted Cash Flow [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount rate	7.00%	7.00%
Non-agency Mortgage-backed Securities [Member] | Discounted Cash Flow [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount rate	9.00%	9.00%
Non-agency Mortgage-backed Securities [Member] | Discounted Cash Flow [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount rate	8.00%	8.00%
OREO [Member] | Market Approach [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjusted for difference between comparable sales	0.00%	0.00%
OREO [Member] | Market Approach [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjusted for difference between comparable sales	57.00%	44.00%
OREO [Member] | Market Approach [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjusted for difference between comparable sales	7.00%	12.00%
Impaired Loans [Member] | Market Approach [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjusted for difference between comparable sales	0.00%	0.00%
Impaired Loans [Member] | Market Approach [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjusted for difference between comparable sales	100.00%	100.00%
Impaired Loans [Member] | Market Approach [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjusted for difference between comparable sales	7.00%	7.00%

Fair Value Measurements, Level

Fair Value Measurements, Level 3 Unobservable Inputs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Reconciliation of assets and liabilities measured at fair value using significant unobservable inputs (Level 3) [Roll Forward]
Beginning balance, at fair value	$ 2,345	$ 2,419
OTTI impairment losses	0	0
Sales and principal payments	(2,375)	(374)
Change in unrealized loss	30	300
Ending balance, at fair value	$ 428	$ 2,345

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Earnings Per Share [Abstract]
Net income		$ 4,790	$ 4,240
Weighted average number of shares outstanding, basic (in shares)		2,491,683	2,513,069
Effect of potentially dilutive common shares (in shares)	[1]	88,000	89,000
Weighted average number of shares outstanding, diluted (in shares)		2,579,575	2,602,146
Earnings per share, basic (in dollars per share)		$ 1.92	$ 1.69
Earnings per share, diluted (in dollars per share)		$ 1.86	$ 1.63
Anti-dilutive securities (in shares)		0	0
[1]	Represents the effect of the assumed exercise of warrants, assumed exercise of stock options, vesting of non-participating restricted shares, and vesting of restricted stock units, based on the treasury stock method.

Employee Benefits, 401(K) Plan

Employee Benefits, 401(K) Plan and Deferred Compensation Plan (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Defined Contribution Pension and Other Postretirement Plans Disclosure [Abstract]
Employer contribution amount	$ 135,000	$ 112,000
Deferred Compensation [Abstract]
Age of employee when benefit becomes payable	65 years
Deferred compensation liability	$ 102,000	101,000
Employer discretionary contribution	$ 0	$ 0

Employee Benefits, Supplemental

Employee Benefits, Supplemental Executive Retirement Plans (Details) - Ms. Stewart [Member]	12 Months Ended
	Dec. 31, 2015USD ($)Plan	Dec. 31, 2011USD ($)
SERP [Member]
Defined Benefit Plan Disclosure [Line Items]
Number of supplemental executive retirement plans | Plan	2
SERP 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Annual benefit payment related to supplemental executive retirement benefit plans		$ 53,320
SERP 2 [Member]
Defined Benefit Plan Disclosure [Line Items]
Annual benefit payment related to supplemental executive retirement benefit plans	$ 78,030
Age for commencing additional retirement benefits	70 years
Number of days to pay single lump sum amount	90 days
Lump sum amount eligible for beneficiary	$ 978,000

Employee Benefits, Confidential

Employee Benefits, Confidentiality, Non-Competition, and Non-Solicitation Agreement (Details) - Non-compete Agreement [Member] - Ms. Stewart [Member]	12 Months Ended
	Dec. 31, 2015USD ($)Installment
Finite-Lived Intangible Assets [Line Items]
Expiration period	36 months
Supplemental retirement benefit payable to employee on bi-monthly basis during Restricted Period	$ 3,541.67
Percentage of retirement benefits payable to employee upon termination for good reason	150.00%
Period of average short term bonus pay	3 years
Lump sum amount of benefit payable to employee	$ 649,000
Number of monthly installments on termination benefits | Installment	12
Period of termination following change in control to be entitled to lump sum benefit	24 months

Employee Benefits, Stock Option

Employee Benefits, Stock Options and Restricted Stock (Details)	12 Months Ended
	Dec. 31, 2015USD ($)Planshares	Dec. 31, 2014USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of existing Equity Incentive Plans | Plan	2
Share-based compensation | $	$ 418,000	$ 333,000
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total number of shares issued (in shares)	226,885
Restricted Stock Awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total number of shares issued (in shares)	96,090
2008 Plan [Member] | Stock Options and Stock Appreciation Rights [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized (in shares)	126,287
2008 Plan [Member] | Restricted Stock and Restricted Stock Units [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized (in shares)	50,514
2013 Plan [Member] | Stock Options and Stock Appreciation Rights [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized (in shares)	141,750
2013 Plan [Member] | Restricted Stock and Restricted Stock Units [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized (in shares)	56,700

Employee Benefits, Stock Opti74

Employee Benefits, Stock Option Awards (Details) - Stock Options [Member] - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Annual vesting percentage	20.00%
Vesting term from grant date	1 year
Term of awards	10 years
Immediate vesting percentage	33.33%
Award vesting period	2 years
Options, Outstanding [Roll Forward]
Outstanding, beginning of period (in shares)	152,018
Granted (in shares)	40,782
Exercised (in shares)	(7,187)
Forfeited (in shares)	(1,205)
Expired (in shares)	0
Outstanding, end of period (in shares)	184,407	152,018
Exercisable (in shares)	83,375
Expected to vest, assuming a 0% forfeiture rate over the vesting term (in shares)	184,407
Options, Outstanding, Weighted Average Exercise Price [Roll Forward]
Outstanding, beginning of period (in dollars per share)	$ 13.30
Granted (in dollars per share)	18.36
Exercised (in dollars per share)	9.13
Forfeited (in dollars per share)	16.80
Outstanding, end of period (in dollars per share)	14.56	$ 13.30
Exercisable (in dollars per share)	12.20
Expected to vest, assuming a 0% forfeiture rate over the vesting term (in dollars per share)	$ 14.56
Options, Additional Disclosures [Abstract]
Outstanding, weighted-average remaining contractual term	6 years 11 months 19 days	7 years 2 months 16 days
Exercisable, weighted-average remaining contractual term	5 years 6 months 4 days
Expected to vest, assuming a 0% forfeiture rate over the vesting term, weighted-average remaining contractual term	6 years 11 months 19 days
Outstanding, aggregate intrinsic value	$ 1,490,009	$ 858,902
Exercisable, aggregate intrinsic value	870,435
Expected to vest, assuming a 0% forfeiture rate over the vesting term, aggregate intrinsic value	1,490,009
Unrecognized compensation cost	$ 579,000
Remaining weighted-average vesting period	1 year 5 months 12 days
Share-based compensation arrangement, fair value assumptions and methodology [Abstract]
Annual dividend yield	1.20%
Expected volatility	24.80%
Risk-free interest rate	1.35%
Expected term	5 years
Weighted-average grant date fair value per option granted (in dollars per share)	$ 3.83

Employee Benefits, Restricted S

Employee Benefits, Restricted Stock Awards (Details) - Restricted Stock Awards [Member]	12 Months Ended
	Dec. 31, 2015USD ($)Installment$ / sharesshares	Dec. 31, 2014USD ($)$ / sharesshares
Non-vested Restricted Stock Awards, Shares [Roll Forward]
Non-vested, beginning of period (in shares) | shares	33,243
Granted (in shares) | shares	10,208
Vested (in shares) | shares	(11,416)
Forfeited (in shares) | shares	(482)
Expired (in shares) | shares	0
Non-vested, end of period (in shares) | shares	31,533	33,243
Expected to vest assuming a 0% forfeiture rate over the vesting term (in shares) | shares	31,533
Nonvested Restricted Stock Awards, Weighted Average Grant Date Fair Value [Roll Forward]
Non-vested, beginning of period (in dollars per share)	$ 15.60
Granted (in dollars per share)	18.36
Vested (in dollars per share)	16.03
Forfeited (in dollars per share)	16.80
Non-vested, end of period (in dollars per share)	16.32	$ 15.60
Expected to vest assuming a 0% forfeiture rate over the vesting term (in dollars per share)	16.32
Nonvested Restricted Stock Awards, Additional Disclosures [Abstract]
Aggregate intrinsic value per share (in dollars per share)	6.32
Expected to vest assuming a 0% forfeiture rate over the vesting term, aggregate intrinsic value per share (in dollars per share)	$ 6.32
Unrecognized compensation cost | $	$ 505,000
Remaining weighted-average vesting period	1 year 5 months 23 days
Total fair value of shares vested | $	$ 211,000	$ 227,000
2008 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Annual vesting percentage	20.00%
Vesting term from grant date	1 year
2013 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting term from grant date	1 year
Immediate vesting percentage	33.33%
Number of annual installments | Installment	2
Award vesting period	2 years

Employee Benefits, Employee Sto

Employee Benefits, Employee Stock Ownership Plan (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Aug. 31, 2012	Dec. 31, 2008
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Shares released (in shares)	21,443
Unallocated shares (in shares)	88,243
Employee Stock Ownership Plan [Member]
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Repayment terms	10 years
Shares released (in shares)	21,443
Unallocated shares (in shares)	88,243
Number of restricted shares held by the trust (in shares)	193,670
Fair value of shares held by ESOP trust	$ 4,400,000
ESOP compensation expense	448,000	$ 388,000
Employee Stock Ownership Plan [Member] | ESOP Borrowing 2008 [Member]
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Amount borrowed by ESOP to purchase common stock				$ 1,200,000
ESOP loan interest rate				4.00%
ESOP remaining loan balance from shares purchased	270,000
Employee Stock Ownership Plan [Member] | ESOP Borrowing 2012 [Member]
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Amount borrowed by ESOP to purchase common stock			$ 1,100,000
ESOP loan interest rate			2.25%
ESOP remaining loan balance from shares purchased	$ 701,000

Acquisition of Columbia State77

Acquisition of Columbia State Bank Branches (Details) - Columbia State Bank [Member]	Aug. 25, 2014USD ($)Branches
Business Acquisition [Line Items]
Number of branches acquired | Branches	3
Deposit premium paid	2.35%
Goodwill acquisition | $	$ 7,000

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Provision for income taxes [Abstract]
Current	$ 2,648	$ 2,475
Deferred	(359)	(137)
Total tax expense	2,289	2,338
Reconciliation of provision for income taxes from U.S. federal income tax rate [Abstract]
Provision at statutory rate	2,407	2,237
Tax-exempt income	(63)	(154)
Other	(55)	183
Total tax expense	$ 2,289	$ 2,338
Federal Tax Rate	34.00%	34.00%
Tax exempt rate	(0.90%)	(2.30%)
Other	(0.80%)	3.80%
Effective tax rate	32.30%	35.50%
Deferred tax assets [Abstract]
Deferred compensation and supplemental retirement	$ 437	$ 397
Other, net	164	166
Nonaccrual interest	0	8
Equity based compensation	90	57
Allowance for loan losses	641	385
Total deferred tax assets	1,332	1,013
Deferred tax liabilities [Abstract]
Prepaid expenses	(79)	(66)
FHLB stock dividends	(142)	(142)
Unrealized gain on securities	(84)	(94)
Depreciation	(112)	(83)
Intangible assets	(3)	(2)
Mortgage servicing rights	(55)	0
Deferred loan costs	(322)	(460)
Total deferred tax liabilities	(797)	(847)
Net deferred tax asset	535	166
Unrecognized tax benefits	0	0
Unrecognized tax benefits, income tax penalties and interest expense	$ 0	$ 0

Minimum Regulatory Capital Re79

Minimum Regulatory Capital Requirements (Details) - USD ($) $ in Thousands		Dec. 31, 2015		Dec. 31, 2014
Actual, Amount [Abstract]
Tier I capital to total adjusted assets		$ 53,041	[1]	$ 48,343	[2]
Common Equity Tier 1 risk-based capital ratio	[1]	53,041
Tier I capital to risk-weighted assets		53,041	[3]	48,343	[4]
Total capital to risk-weighted assets		$ 57,677	[3]	$ 52,730	[4]
Actual, Ratio [Abstract]
Tier I capital to total adjusted assets		10.19%	[1]	10.19%	[2]
Common Equity Tier 1 risk-based capital ratio	[1]	11.70%
Tier I capital to risk-weighted asset		11.70%	[3]	12.44%	[4]
Total capital to risk-weighted assets		12.74%	[3]	13.57%	[4]
Minimum Capital Requirements, Amount [Abstract]
Tier I capital to total adjusted assets		$ 20,812	[1]	$ 18,973	[2]
Common Equity Tier I risk-based capital ratio	[1]	20,401
Tier I capital to risk-weighted assets		27,201	[3]	15,540	[4]
Total capital to risk-weighted assets		$ 36,268	[3]	$ 31,080	[4]
Minimum Capital Requirements, Ratio [Abstract]
Tier I capital to total adjusted assets		4.00%	[1]	4.00%	[2]
Common Equity Tier I risk-based capital ratio	[1]	4.50%
Tier I capital to risk-weighted assets		6.00%	[3]	4.00%	[4]
Total capital to risk-weighted assets		8.00%	[3]	8.00%	[4]
Minimum Required to Be Well-Capitalized Under Prompt Corrective Action Provisions, Amount [Abstract]
Tier I capital to total adjusted assets		$ 26,015	[1]	$ 23,716	[2]
Common Equity Tier I risk-based capital ratio	[1]	29,467
Tier I capital to risk-weighted assets		36,268	[3]	23,310	[4]
Total capital to risk weighted assets		$ 45,335	[3]	$ 38,850	[4]
Minimum Required to Be Well-Capitalized Under Prompt Corrective Action Provisions, Ratio [Abstract]
Tier I capital to total adjusted assets		5.00%	[1]	5.00%	[2]
Common Equity Tier I risk-based capital ratio	[1]	6.50%
Tier I capital to risk-weighted assets		8.00%	[3]	6.00%	[4]
Total capital to risk-weighted assets		10.00%	[3]	10.00%	[4]
Total adjusted assets		$ 520,307		$ 474,313
Total risk-weighted assets		$ 453,345		$ 388,498
Sound Financial Bancorp [Member]
Actual, Ratio [Abstract]
Tier I capital to total adjusted assets		10.38%
Common Equity Tier 1 risk-based capital ratio		11.91%
Tier I capital to risk-weighted asset		11.91%
Total capital to risk-weighted assets		12.93%
[1]	Based on total adjusted assets of $520,307 at December 31, 2015.
[2]	Based on total adjusted assets of $474,313 at December 31, 2014.
[3]	Based on risk-weighted assets of $453,345 at December 31, 2015.
[4]	Based on risk-weighted assets of $388,498 at December 31, 2014.

Concentrations of Credit Risk (

Concentrations of Credit Risk (Details)	12 Months Ended
	Dec. 31, 2015
Loans to Borrowers [Member] | Customer Concentration Risk [Member] | Maximum [Member]
Concentration Risk [Line Items]
Loans to any borrower as a percent of unimpaired capital and surplus	15.00%

Commitments and Contingencies81

Commitments and Contingencies (Details)	12 Months Ended
	Dec. 31, 2015USD ($)Loan	Dec. 31, 2014USD ($)Loan
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments whose contract amount represents a credit risk	$ 59,098,000	$ 73,632,000
Fixed rate loan commitments	$ 6,000,000	$ 5,600,000
Weighted average interest rate on fixed rate loan commitments	4.00%	3.80%
Notional amount on letters of credit issued by FHLB of Seattle	$ 47,500,000
Loan Repurchase Guarantee [Member]
Guarantor Obligations [Line Items]
Maximum amounts of guarantees on loans sold without recourse	$ 360,400,000	$ 357,800,000
Number of loans repurchased | Loan	0	3
Repurchase of loans sold without recourse		$ 453,000
Commitments to Make Loans [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments whose contract amount represents a credit risk	$ 6,037,000	5,615,000
Undisbursed Portion of Loans Closed [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments whose contract amount represents a credit risk	32,951,000	37,337,000
Unused Lines of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments whose contract amount represents a credit risk	19,925,000	30,615,000
Irrevocable Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments whose contract amount represents a credit risk	$ 185,000	$ 65,000

Parent Company Financial Info82

Parent Company Financial Information, Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Assets [Abstract]
Cash and cash equivalents	$ 48,264	$ 29,289	$ 15,334
Other assets	3,957	3,556
Total assets	540,760	495,187
Liabilities and Stockholders' Equity [Abstract]
Other liabilities	5,140	5,606
Total liabilities	486,240	444,543
Stockholders' equity	54,520	50,644	46,504
Total liabilities and stockholders' equity	540,760	495,187
Sound Financial Bancorp (Parent Only) [Member]
Assets [Abstract]
Cash and cash equivalents	451	413	$ 1,502
Investment in Sound Community Bank	53,483	49,443
Other assets	586	788
Total assets	54,520	50,644
Liabilities and Stockholders' Equity [Abstract]
Other liabilities	0	0
Total liabilities	0	0
Stockholders' equity	54,520	50,644
Total liabilities and stockholders' equity	$ 54,520	$ 50,644

Parent Company Financial Info83

Parent Company Financial Information, Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Condensed Income Statements Captions [Line Items]
Interest income	$ 22,453	$ 21,356
Loss before income tax benefit and equity in undistributed net income of subsidiary	7,079	6,578
Income tax benefit	(2,289)	(2,338)
Net income	4,790	4,240
Sound Financial Bancorp (Parent Only) [Member]
Condensed Income Statements Captions [Line Items]
Interest income	0	0
Dividend from subsidiary	1,200	0
Other expenses	(244)	(169)
Loss before income tax benefit and equity in undistributed net income of subsidiary	956	(169)
Income tax benefit	83	46
Equity in undistributed earnings of subsidiary	3,751	4,363
Net income	$ 4,790	$ 4,240

Parent Company Financial Info84

Parent Company Financial Information, Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities [Abstract]
Net income	$ 4,790	$ 4,240
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Net cash from operating activities	3,751	6,803
Cash flows from investing activities [Abstract]
Net cash used by investing activities	(25,630)	(38,902)
Cash flows from financing activities [Abstract]
Dividends paid	(574)	(504)
Excess tax benefit of stock compensation	0	39
Common stock exercised	65	81
Common stock repurchased	(1,261)	(904)
Net cash from financing activities	40,854	46,054
Net increase (decrease) in cash and cash equivalents	18,975	13,955
Cash and cash equivalents, beginning of year	29,289	15,334
Cash and cash equivalents, end of year	48,264	29,289
Sound Financial Bancorp (Parent Only) [Member]
Cash flows from operating activities [Abstract]
Net income	4,790	4,240
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Other, net	312	(81)
Change in undistributed equity of subsidiary	(3,751)	(4,363)
Net cash from operating activities	1,351	(204)
Cash flows from investing activities [Abstract]
Net change in ESOP loan receivable	457	403
Net cash used by investing activities	457	403
Cash flows from financing activities [Abstract]
Dividends paid	(574)	(504)
Excess tax benefit of stock compensation	0	39
Common stock exercised	65	81
Common stock repurchased	(1,261)	(904)
Net cash from financing activities	(1,770)	(1,288)
Net increase (decrease) in cash and cash equivalents	38	(1,089)
Cash and cash equivalents, beginning of year	413	1,502
Cash and cash equivalents, end of year	$ 451	$ 413