{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-25-106163","form_type":"8-K","ticker":"SBFG","cik":"0000767405","company_name":"SB FINANCIAL GROUP, INC.","filed_at":"2025-11-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.123327+00:00","generated_at":"2026-05-17T00:46:14.461146+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"SB Financial Q3 net income $4.0M (+71.9% YoY); EPS $0.64 vs $0.35","bullets":["Net interest income $12.3M, up 21.1% YoY; net interest margin expanded 32 bps to 3.48%.","Loans grew $80.6M YoY to $1.11B; deposits rose $103M to $1.26B (8.9% YoY).","Adjusted diluted EPS $0.68, up 65.3% YoY; tangible book value $17.21 (+4.4%).","Nonperforming assets $4.9M (0.32% of assets), down from $5.5M last year.","Sixth consecutive quarter of sequential loan growth; Marblehead acquisition contributed $18M in loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-25-106163","json":"https://secwatch.observer/filing/0001213900-25-106163.json","markdown":"https://secwatch.observer/filing/0001213900-25-106163.md","text":"https://secwatch.observer/filing/0001213900-25-106163.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/767405/000121390025106163/0001213900-25-106163-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/767405/000121390025106163/ea0263973-8k_sbfin.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:46:14.461146+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"}