{"schema_version":"secwatch.filing_event.v1","accession":"0001213900-26-083848","form_type":"8-K","ticker":"SBFG","cik":"0000767405","company_name":"SB FINANCIAL GROUP, INC.","filed_at":"2026-07-31T18:41:53+00:00","discovered_at":"2026-07-31T18:43:00.514774+00:00","generated_at":"2026-07-31T18:43:05.597186+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"SB Financial Q2 net income $4.5M, EPS $0.72, up 20% YoY; loans up 8.7%","bullets":["GAAP net income $4.5M ($0.72 diluted EPS) vs $3.9M ($0.60) YoY; adjusted EPS $0.73, up 25.9%.","Total loans $1.19B, up $94.8M (8.7%) YoY; ninth consecutive quarter of loan portfolio expansion.","Total deposits $1.39B, up $141.3M (11.3%) YoY; noninterest-bearing deposits 18.6% of total.","Tangible book value per share $19.04, up $2.60 (15.8%) YoY; adjusted TBV ex-AOCI $22.57.","Nonperforming assets 0.27% of total assets, down from 0.41% YoY; allowance coverage 470% of NPLs."],"urls":{"canonical":"https://secwatch.observer/filing/0001213900-26-083848","json":"https://secwatch.observer/filing/0001213900-26-083848.json","markdown":"https://secwatch.observer/filing/0001213900-26-083848.md","text":"https://secwatch.observer/filing/0001213900-26-083848.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/767405/000121390026083848/0001213900-26-083848-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/767405/000121390026083848/ea0300050-8k_sbfinancial.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-31T18:43:05.597186+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"}