secwatch.observer — SEC 8-K summary
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Issuer:     SB FINANCIAL GROUP, INC. (SBFG)
CIK:        0000767405
Form:       8-K
Filed at:   2025-07-28T23:59:59+00:00
Accession:  0001213900-25-068294
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/767405/000121390025068294/0001213900-25-068294-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/767405/000121390025068294/ea0250480-8k_sbfinancial.htm
  HTML page:      https://secwatch.observer/filing/0001213900-25-068294

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer