---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-23-061654"
form_type: "8-K"
ticker: "SBFG"
cik: "0000767405"
company_name: "SB FINANCIAL GROUP, INC."
filed_at: "2023-08-01T23:59:59+00:00"
generated_at: "2026-06-12T19:43:37.334016+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# SB Financial Q2 net income up 8.5% to $3.1M; diluted EPS $0.44

## Summary
- Net income $3.1M vs $2.8M; diluted EPS $0.44 vs $0.40 YoY.
- Operating revenue $14.19M; net interest income $9.83M (+2.5% YoY).
- Noninterest expense $10.34M, down 4.3% YoY; efficiency ratio 72.7%.
- Loans held for investment $984.8M, up 10.0% YoY; deposits $1.07B, flat.
- Nonperforming assets $3.5M, down 25.2% YoY; coverage ratio 542.8%.

## SEC filing metadata
- accession: 0001213900-23-061654
- form_type: 8-K
- ticker: SBFG
- cik: 0000767405
- company_name: SB FINANCIAL GROUP, INC.
- filed_at: 2023-08-01T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/767405/000121390023061654/0001213900-23-061654-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/767405/000121390023061654/ea182646-8k_sbfinancial.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-23-061654
- JSON: https://secwatch.observer/filing/0001213900-23-061654.json
- Plain text: https://secwatch.observer/filing/0001213900-23-061654.txt

## Key facts
- Earnings Releases
  SB FINANCIAL GROUP, INC. reported financial results for the second quarter ended June 30, 2023.
  - Period: the second quarter ended June 30, 2023
  - Result: reported results
  source text: On July 27, 2023, SB Financial Group, Inc. (the “Company”) issued a news release reporting financial results for the second quarter 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/767405/000121390023061654/0001213900-23-061654-index.htm

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