---
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"
generated_at: "2026-05-16T06:11:33.845208+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# SB Financial Q4 net income $3.9M ($0.63/diluted), up 7.8% YoY; loan growth 12.8%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-26-010201
- JSON: https://secwatch.observer/filing/0001213900-26-010201.json
- Plain text: https://secwatch.observer/filing/0001213900-26-010201.txt

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