secwatch.observer — SEC 8-K summary
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Issuer:     SB FINANCIAL GROUP, INC. (SBFG)
CIK:        0000767405
Form:       8-K
Filed at:   2025-11-04T23:59:59+00:00
Accession:  0001213900-25-106163
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/767405/000121390025106163/0001213900-25-106163-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/767405/000121390025106163/ea0263973-8k_sbfin.htm
  HTML page:      https://secwatch.observer/filing/0001213900-25-106163

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