secwatch.observer — SEC 8-K summary
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Issuer:     SB FINANCIAL GROUP, INC. (SBFG)
CIK:        0000767405
Form:       8-K
Filed at:   2026-04-22T23:59:59+00:00
Accession:  0001213900-26-046506
Event type: earnings
Sentiment:  positive
Materiality: 0.72
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/767405/000121390026046506/0001213900-26-046506-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/767405/000121390026046506/ea0287321-8k_sbfinancial.htm
  HTML page:      https://secwatch.observer/filing/0001213900-26-046506

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