---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-22-068565"
form_type: "8-K"
ticker: "SBFG"
cik: "0000767405"
company_name: "SB FINANCIAL GROUP, INC."
filed_at: "2022-11-02T23:59:59+00:00"
generated_at: "2026-06-22T16:02:05.568851+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# SB Financial Q3 net income $3.3M, EPS $0.47 (-19% YoY); revenue down 13.2%

## Summary
- Diluted EPS $0.47 vs $0.58 a year ago; adjusted EPS $0.47 vs $0.56.
- Total operating revenue $14.5M, down 13.2% YoY; noninterest income fell 39.2% to $4.0M.
- Loans grew $29.6M from linked quarter (13.2% annualized); total loans $925.2M, up 9.3% YoY.
- Nonperforming assets improved to 0.40% of assets vs 0.42% a year ago; net recoveries in quarter.
- Bought back 77,326 shares in Q3 at avg $17.27; tangible book value per share impacted by bond portfolio decline.

## SEC filing metadata
- accession: 0001213900-22-068565
- form_type: 8-K
- ticker: SBFG
- cik: 0000767405
- company_name: SB FINANCIAL GROUP, INC.
- filed_at: 2022-11-02T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/767405/000121390022068565/0001213900-22-068565-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/767405/000121390022068565/ea167940-8k_sbfinancial.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-22-068565
- JSON: https://secwatch.observer/filing/0001213900-22-068565.json
- Plain text: https://secwatch.observer/filing/0001213900-22-068565.txt

## Key facts
- Earnings Releases
  SB FINANCIAL GROUP, INC. reported financial results for third quarter and nine months ended September 30, 2022.
  - Period: third quarter and nine months ended September 30, 2022
  - Result: reported results
  source text: On November 1, 2022, SB Financial Group, Inc. (the “Company”) issued a news release reporting financial results for the third quarter 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/767405/000121390022068565/0001213900-22-068565-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.