{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-26-046506","form_type":"8-K","ticker":"SBFG","cik":"0000767405","company_name":"SB FINANCIAL GROUP, INC.","filed_at":"2026-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.713201+00:00","generated_at":"2026-05-15T04:58:58.002997+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.72,"calibrated_materiality_score":0.72,"confidence":"high","headline":"SB Financial reports FY2025 net income $14.0M, EPS $2.19; deposits up 13.4%","bullets":["Net income of $14.0M, diluted EPS $2.19; ROAA 0.93%, ROAE 10.38%.","Deposit growth of $155M (+13.4%); loan growth of $134M (+12.8%).","Net interest margin elevated to 3.47%; non-interest income 44.8% of revenue.","Adjusted tangible book value rose to $21.44 per share, up $2.00 (+12.5%).","Asset quality strong: NPAs covered 344%; criticized loans fell to $5.7M."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-26-046506","json":"https://secwatch.observer/filing/0001213900-26-046506.json","markdown":"https://secwatch.observer/filing/0001213900-26-046506.md","text":"https://secwatch.observer/filing/0001213900-26-046506.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/767405/000121390026046506/0001213900-26-046506-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/767405/000121390026046506/ea0287321-8k_sbfinancial.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:58:58.002997+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"}