{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-25-007294","form_type":"8-K","ticker":"SBFG","cik":"0000767405","company_name":"SB FINANCIAL GROUP, INC.","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.315648+00:00","generated_at":"2026-05-27T08:48:28.422925+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"SB Financial Q4 net income $3.6M (-6.4% YoY); adjusted EPS up 16.7%; loans +$46.5M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-25-007294","json":"https://secwatch.observer/filing/0001213900-25-007294.json","markdown":"https://secwatch.observer/filing/0001213900-25-007294.md","text":"https://secwatch.observer/filing/0001213900-25-007294.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/767405/000121390025007294/0001213900-25-007294-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/767405/000121390025007294/ea0228861-8k_sbfin.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:48:28.422925+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}