---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-24-033712"
form_type: "8-K"
ticker: "SBFG"
cik: "0000767405"
company_name: "SB FINANCIAL GROUP, INC."
filed_at: "2024-04-17T23:59:59+00:00"
generated_at: "2026-06-03T21:58:16.299258+00:00"
event_type: "other"
sentiment: "neutral"
materiality_score: 0.25
calibrated_materiality_score: 0.25
confidence: "high"
source: SEC EDGAR
---

# SB Financial Group presents 2023 results: net income $12.1M, EPS $1.75, loans reach $1B

## Summary
- Net income $12.1M ($1.75/share); dividend payout ratio ~30%, yield 3.5%.
- ROAA 0.91%, ROAE 10.22%, ROATCE 12.78%; loan loss reserve 1.58%.
- Total loans grew to $1.00B; total assets $1.34B; deposits $1.1B.
- Eight-county market share up 0.17% YoY ($38.8M); ranked top 200 community bank.
- Key initiatives include Russell 2000 goal, revenue diversification, and market penetration.

## SEC filing metadata
- accession: 0001213900-24-033712
- form_type: 8-K
- ticker: SBFG
- cik: 0000767405
- company_name: SB FINANCIAL GROUP, INC.
- filed_at: 2024-04-17T23:59:59+00:00
- event_type: other
- sentiment: neutral
- materiality_score: 0.25
- calibrated_materiality_score: 0.25
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/767405/000121390024033712/0001213900-24-033712-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/767405/000121390024033712/ea0204091-8k_sbfinancial.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-24-033712
- JSON: https://secwatch.observer/filing/0001213900-24-033712.json
- Plain text: https://secwatch.observer/filing/0001213900-24-033712.txt

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