{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-24-035342","form_type":"8-K","ticker":"SBFG","cik":"0000767405","company_name":"SB FINANCIAL GROUP, INC.","filed_at":"2024-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.938848+00:00","generated_at":"2026-06-03T12:56:57.423822+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"SB Financial Q1 net income $2.4M (-3.3% YoY), EPS flat at $0.35","bullets":["Net interest income $9.2M, down 11.1% YoY on higher deposit costs; net interest margin compressed 38 bps.","Total loans grew 1.6% to $991.6M; nonperforming assets improved to 0.22% of assets from 0.30%.","Noninterest income up 7.8% to $3.95M, driven by 30.4% gain on mortgage sales; noninterest expenses down 4.6%.","Mortgage banking net revenue rose 20.3% to $1.45M; servicing portfolio reached $1.37B (+2.1% YoY).","Total deposits stable at $1.112B; shareholders' equity $123.7M, up 3.3% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-24-035342","json":"https://secwatch.observer/filing/0001213900-24-035342.json","markdown":"https://secwatch.observer/filing/0001213900-24-035342.md","text":"https://secwatch.observer/filing/0001213900-24-035342.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/767405/000121390024035342/0001213900-24-035342-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/767405/000121390024035342/ea0204477-8k_sbfin.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T12:56:57.423822+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":"ff04f3a9a4822d8f868ef7e9bbb130c8985c806d","claim":"SB FINANCIAL GROUP, INC. reported financial results for the first quarter 2024.","evidence_excerpt":"On April 18, 2024, SB Financial Group, Inc. (the “Company”) issued a news release reporting financial results for the first quarter 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/767405/000121390024035342/0001213900-24-035342-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter 2024"},{"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"}