---
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"
generated_at: "2026-05-17T00:46:14.461146+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# SB Financial Q3 net income $4.0M (+71.9% YoY); EPS $0.64 vs $0.35

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-25-106163
- JSON: https://secwatch.observer/filing/0001213900-25-106163.json
- Plain text: https://secwatch.observer/filing/0001213900-25-106163.txt

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