{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-26-010201","form_type":"8-K","ticker":"SBFG","cik":"0000767405","company_name":"SB FINANCIAL GROUP, INC.","filed_at":"2026-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.669502+00:00","generated_at":"2026-05-16T06:11:33.845208+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"SB Financial Q4 net income $3.9M ($0.63/diluted), up 7.8% YoY; loan growth 12.8%","bullets":["GAAP Q4 net income $3.9M ($0.63 DEPS) vs $3.6M ($0.55) prior year; adjusted DEPS $0.65.","Net interest income $12.7M (+16.7% YoY); loans grew $133.9M (12.8%) to $1.18B.","Deposits up $154.6M (13.4%) to $1.31B; tangible book value $18.00/share, +12.5% YoY.","Noninterest income fell 18.6% to $3.7M, mainly due to lower mortgage fees.","Full-year 2025 net income $14.0M (+21.8% vs $11.5M); diluted EPS $2.19 vs $1.72."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-26-010201","json":"https://secwatch.observer/filing/0001213900-26-010201.json","markdown":"https://secwatch.observer/filing/0001213900-26-010201.md","text":"https://secwatch.observer/filing/0001213900-26-010201.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/767405/000121390026010201/0001213900-26-010201-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/767405/000121390026010201/ea0274851-8k_sbfin.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:11:33.845208+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"}