---
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"
generated_at: "2026-05-27T08:48:28.422925+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-25-007294
- JSON: https://secwatch.observer/filing/0001213900-25-007294.json
- Plain text: https://secwatch.observer/filing/0001213900-25-007294.txt

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