---
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"
generated_at: "2026-05-18T00:38:34.859600+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# SB Financial Q2 net income rises 23.7% to $3.9M, EPS $0.60 vs $0.47 YoY

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-25-068294
- JSON: https://secwatch.observer/filing/0001213900-25-068294.json
- Plain text: https://secwatch.observer/filing/0001213900-25-068294.txt

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