---
schema_version: "secwatch.filing_event.v1"
accession: "0001213900-24-091109"
form_type: "8-K"
ticker: "SBFG"
cik: "0000767405"
company_name: "SB FINANCIAL GROUP, INC."
filed_at: "2024-10-28T23:59:59+00:00"
generated_at: "2026-05-30T09:52:48.445853+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# SB Financial Q3 net income $2.4M (-12.4% YoY); EPS $0.35; tangible book up 26% to $16.49

## Summary
- Net income of $2.4M, down 12.4% YoY; diluted EPS $0.35 (-10.3% YoY) but up 3.0% adjusted for MSR impairment.
- Net interest income $10.2M (+6.8% YoY); net interest margin expanded 9 bps to 3.17%.
- Total loans $1.03B (+$40.9M or 4.1% YoY); deposits $1.16B (+6.8% YoY).
- Mortgage originations $70.7M (+15.5% YoY); servicing portfolio $1.41B (+2.9%).
- Tangible book value per share $16.49 (+26.0% YoY); Marblehead acquisition on track.

## SEC filing metadata
- accession: 0001213900-24-091109
- form_type: 8-K
- ticker: SBFG
- cik: 0000767405
- company_name: SB FINANCIAL GROUP, INC.
- filed_at: 2024-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/767405/000121390024091109/0001213900-24-091109-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/767405/000121390024091109/ea0218803-8k_sbfin.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-24-091109
- JSON: https://secwatch.observer/filing/0001213900-24-091109.json
- Plain text: https://secwatch.observer/filing/0001213900-24-091109.txt

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