SB Financial Q4 net income $3.6M (-6.4% YoY); adjusted EPS up 16.7%; loans +$46.5M

SB FINANCIAL GROUP, INC.

2024-FY EPS reported $1.72

Q4 diluted EPS $0.55 vs $0.57 prior year; adjusted EPS increased $0.07 or 16.7%.
Net interest income $10.9M (+13.7% YoY); net interest margin expanded 24 bps to 3.35%.
Total deposits $1.15B (+$82.4M or 7.7% YoY); loans $1.05B (+$46.5M or 4.7% YoY).
Nonperforming assets $5.5M (0.40% of assets) vs $3.3M (0.25%) prior year; reserve coverage 273.7%.
Closed Marblehead acquisition in Jan 2025; repurchased 130,465 shares in Q4.

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