{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-23-005639","form_type":"8-K","ticker":"SBFG","cik":"0000767405","company_name":"SB FINANCIAL GROUP, INC.","filed_at":"2023-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.056084+00:00","generated_at":"2026-06-20T07:32:50.983901+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"SB Financial Q4 net income $3.5M ($0.50 EPS), up 6% YoY; FY net income $12.5M down 31%","bullets":["Q4 net income $3.5M, diluted EPS $0.50 vs $0.49 prior year; net interest income up 20.1% to $10.9M.","Full year net income $12.5M ($1.77 EPS) down 30.9% from $18.3M ($2.56 EPS) in 2021.","Loan growth $139.4M (16.9%) YoY; deposits down 2.4% to $1.09B.","Mortgage originations $51.2M, down 59.6% from Q4 2021; net mortgage banking revenue $1.2M vs $3.8M.","Nonperforming assets improved to 0.38% of assets; net recoveries for full year."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-23-005639","json":"https://secwatch.observer/filing/0001213900-23-005639.json","markdown":"https://secwatch.observer/filing/0001213900-23-005639.md","text":"https://secwatch.observer/filing/0001213900-23-005639.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/767405/000121390023005639/0001213900-23-005639-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/767405/000121390023005639/ea172308-8k_sbfinancial.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T07:32:50.983901+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"c39d10790ee832d7c767f2b7680085f437e37e6f","claim":"SB FINANCIAL GROUP, INC. reported financial results for the fourth quarter and twelve months ended December 31, 2022.","evidence_excerpt":"On January 26, 2023, SB Financial Group, Inc. (the “Company”) issued a news release reporting financial results for the fourth quarter 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/767405/000121390023005639/0001213900-23-005639-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and twelve months ended December 31, 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}