{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-25-068294","form_type":"8-K","ticker":"SBFG","cik":"0000767405","company_name":"SB FINANCIAL GROUP, INC.","filed_at":"2025-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.341569+00:00","generated_at":"2026-05-18T00:38:34.859600+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"SB Financial Q2 net income rises 23.7% to $3.9M, EPS $0.60 vs $0.47 YoY","bullets":["GAAP EPS $0.60 (up 27.7% YoY); adjusted EPS $0.58 (up 26.1%).","Net interest income $12.1M (+25.6% YoY); net interest margin expanded 36 bps to 3.48%.","Loan growth $89.3M (+8.9% YoY); deposits up $134.6M (+12.1%) to $1.25B.","TBV per share $16.44 (+7.7% YoY); 124,000 shares repurchased in Q2.","Nonperforming assets $6.2M (0.42% of assets); efficiency ratio improved to 68.9%."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-25-068294","json":"https://secwatch.observer/filing/0001213900-25-068294.json","markdown":"https://secwatch.observer/filing/0001213900-25-068294.md","text":"https://secwatch.observer/filing/0001213900-25-068294.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/767405/000121390025068294/0001213900-25-068294-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/767405/000121390025068294/ea0250480-8k_sbfinancial.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T00:38:34.859600+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"}