---
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"
generated_at: "2026-07-31T18:43:05.597186+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# SB Financial Q2 net income $4.5M, EPS $0.72, up 20% YoY; loans up 8.7%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001213900-26-083848
- JSON: https://secwatch.observer/filing/0001213900-26-083848.json
- Plain text: https://secwatch.observer/filing/0001213900-26-083848.txt

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