{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-25-032586","form_type":"8-K","ticker":"SBFG","cik":"0000767405","company_name":"SB FINANCIAL GROUP, INC.","filed_at":"2025-04-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.221292+00:00","generated_at":"2026-05-23T14:05:56.403033+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"SB Financial reports 2024 net income of $11.5M; deposit growth $82.4M, loans up $46.5M","bullets":["Net income $11.5M ($1.72/share), down from $12.1M in 2023; ROAA 0.84%, ROAE 9.19%","Deposit growth $82.4M to $1.15B; loan growth $46.5M; Wealth Mgmt AUM up $45.9M","Asset quality strong: NPAs covered 274%, NPA/assets 0.11%; NCOs near zero","Expanded into Northern Ohio, new LPO in Cincinnati; regulatory OK for Angola, IN","Dividend CAGR 12.1% over 10 years; payout ratio 32.56%; TBV CAGR 6.3%"],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-25-032586","json":"https://secwatch.observer/filing/0001213900-25-032586.json","markdown":"https://secwatch.observer/filing/0001213900-25-032586.md","text":"https://secwatch.observer/filing/0001213900-25-032586.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/767405/000121390025032586/0001213900-25-032586-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/767405/000121390025032586/ea0238568-8k_sbfin.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T14:05:56.403033+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"}