---
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"
generated_at: "2026-05-15T04:58:58.002997+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.72
calibrated_materiality_score: 0.72
confidence: "high"
source: SEC EDGAR
---

# SB Financial reports FY2025 net income $14.0M, EPS $2.19; deposits up 13.4%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.72
- calibrated_materiality_score: 0.72
- confidence: high
- sec_items: 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-26-046506
- JSON: https://secwatch.observer/filing/0001213900-26-046506.json
- Plain text: https://secwatch.observer/filing/0001213900-26-046506.txt

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