secwatch.observer — SEC 8-K summary
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Issuer:     SB FINANCIAL GROUP, INC. (SBFG)
CIK:        0000767405
Form:       8-K
Filed at:   2026-01-30T23:59:59+00:00
Accession:  0001213900-26-010201
Event type: earnings
Sentiment:  positive
Materiality: 0.55
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/767405/000121390026010201/0001213900-26-010201-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/767405/000121390026010201/ea0274851-8k_sbfin.htm
  HTML page:      https://secwatch.observer/filing/0001213900-26-010201

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