{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-23-082514","form_type":"8-K","ticker":"SBFG","cik":"0000767405","company_name":"SB FINANCIAL GROUP, INC.","filed_at":"2023-11-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.975819+00:00","generated_at":"2026-06-09T01:21:06.437310+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"SB Financial Q3 net income $2.7M, down 19.6% YoY; diluted EPS $0.39","bullets":["Net income $2.7M, -19.6% YoY; diluted EPS $0.39, -17.0% YoY.","Operating revenue $13.7M, -5.3% YoY; net interest income $9.5M, -8.6% YoY.","Total loans $989M, +6.9% YoY; deposits flat YoY but +$14.2M linked quarter.","Nonperforming assets $3.96M, 0.30% of assets, -12.1% YoY; allowance 1.60%.","Mortgage originations $61.2M, -10.7% YoY; mortgage sales $54.1M, +38.1% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-23-082514","json":"https://secwatch.observer/filing/0001213900-23-082514.json","markdown":"https://secwatch.observer/filing/0001213900-23-082514.md","text":"https://secwatch.observer/filing/0001213900-23-082514.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/767405/000121390023082514/0001213900-23-082514-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/767405/000121390023082514/ea187524-8k_sbfinancial.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T01:21:06.437310+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":"d781d5574373d3082cee03c27907f1581d85f506","claim":"SB FINANCIAL GROUP, INC. reported the third quarter ended September 30, 2023 results: net income Net income of $2.7 million, EPS diluted earnings per share (“EPS”) of $0.39.","evidence_excerpt":"On October 30, 2023, SB Financial Group, Inc. (the “Company”) issued a news release reporting financial results for the third quarter 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/767405/000121390023082514/0001213900-23-082514-index.htm","confidence":0.8,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter ended September 30, 2023"},{"label":"Net income","value":"Net income of $2.7 million"},{"label":"EPS","value":"diluted earnings per share (“EPS”) of $0.39"},{"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"}