---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-24-006728"
form_type: "8-K"
ticker: "SBFG"
cik: "0000767405"
company_name: "SB FINANCIAL GROUP, INC."
filed_at: "2024-01-26T23:59:59+00:00"
generated_at: "2026-06-06T16:58:04.551747+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# SB Financial Q4 net income up 9.9% to $3.9M; loans surpass $1B

## Summary
- Net income $3.9M ($0.57 diluted EPS) up 9.9% YoY; interest income up 16.9% to $15.1M.
- Loan growth of $38.1M (+4.0% YoY) to $1.00B, first time over $1B; nonperforming assets improved to 25 bps.
- Full year net income $12.1M ($1.75 diluted EPS) down 3.4% YoY; adjusted EPS up 7.4% ($0.12 increase).
- Mortgage origination Q4 $39.6M (-22.8% YoY); mortgage sales up 41.4% to $33.4M.

## SEC filing metadata
- accession: 0001213900-24-006728
- form_type: 8-K
- ticker: SBFG
- cik: 0000767405
- company_name: SB FINANCIAL GROUP, INC.
- filed_at: 2024-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/767405/000121390024006728/0001213900-24-006728-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/767405/000121390024006728/ea192225-8k_sbfinancial.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-24-006728
- JSON: https://secwatch.observer/filing/0001213900-24-006728.json
- Plain text: https://secwatch.observer/filing/0001213900-24-006728.txt

## Key facts
- Earnings Releases
  SB FINANCIAL GROUP, INC. reported financial results for the fourth quarter and twelve months ended December 31, 2023.
  - Period: the fourth quarter and twelve months ended December 31, 2023
  - Result: reported results
  source text: On January 25, 2024, SB Financial Group, Inc. (the “Company”) issued a news release reporting financial results for the fourth quarter 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/767405/000121390024006728/0001213900-24-006728-index.htm

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