SB Financial Group, Inc. filings document the regulatory record of a NASDAQ-listed financial services holding company and its common shares. The company's 8-K reports furnish quarterly and annual results materials, conference call transcripts, shareholder dividend announcements, Regulation FD presentations and annual meeting voting results.
Proxy materials describe director elections, independent auditor ratification, executive compensation advisory votes and board governance matters. The filings also identify State Bank & Trust Company and SBFG Title, LLC dba Peak Title as operating subsidiaries tied to community banking, mortgage banking, wealth management, private client services and title insurance.
SB Financial Group, Inc. reported third-quarter net income of $3.946 million, compared with $4.046 million a year earlier; nine-month net income was $12.739 million, up from $10.056 million. Third-quarter net interest income was $13.424 million versus $12.334 million, and nine-month net interest income was $39.090 million versus $35.741 million. Nine-month diluted earnings per share were $2.04, compared with $1.56.
At September 30, 2026, deposits totaled $1,382.864 million and loans, net, were $1,202.412 million. Net cash provided by operating activities for the nine months was $12.569 million, compared with $15.769 million in 2025. Available-for-sale securities had $34.356 million of gross unrealized losses; management stated it believes the declines in fair value are temporary. Nonaccrual loans were $3.123 million at September 30, 2026, versus $4.579 million at December 31, 2025.
SB Financial Group, Inc. (SBFG) reported third-quarter 2026 operating revenue of $18.075 million, up 9.0% year over year, and net income of $3.946 million, down 2.5%. Net interest income increased 8.8% to $13.424 million, while noninterest expense rose 14.4% to $13.157 million. Diluted earnings per share was $0.63, down 1.6%.
For the first nine months of 2026, net income was $12.739 million, up 26.7%, and operating revenue was $53.440 million, up 8.8%. Third-quarter net interest margin was 3.50%, 2 basis points above the year-earlier quarter. Mortgage banking revenue, net, was $1.779 million, compared with $1.486 million a year earlier.
At September 30, 2026, loans totaled $1.219 billion, up 9.7% year over year, and deposits totaled $1.383 billion, up 9.5%. The company said loan growth marked its tenth consecutive quarter. Nonperforming assets were $4.279 million, or 0.27% of total assets, versus $4.853 million, or 0.32%, a year earlier; allowance coverage of nonperforming loans was 508.9%. SB Financial repurchased approximately 6,700 common shares during the quarter.
SB Financial Group, Inc. declared a quarterly cash dividend of $0.165 per common share, payable November 27, 2026, to shareholders of record November 13, 2026. The declared rate is a 6% increase over the prior-year dividend of $0.155 per share. SB Financial also reported dividends of $0.64 per share over the last four quarters, compared with $0.60 per share over the previous four quarters, a stated 7% increase; it described the dividend as a 2.2% yield.
SB Financial Group, Inc. director Richard L. Hardgrove reported a transaction involving 3,702 common shares on September 15, 2026, at $29.08 per share. The transaction record marks the shares as acquired but identifies the transaction elsewhere as a sale. Hardgrove held 10,736 shares directly afterward, and no Rule 10b5-1 plan is reported.
SB FINANCIAL GROUP, INC. (SBFG) is the subject of an amended Schedule 13G filing (Amendment No. 2) reporting beneficial ownership of its common stock by a group led by Strategic Value Investors, LP. The group, which includes Strategic Value Bank Partners LLC, Strategic Value Private Partners LLC, Ben Mackovak, and Marty Adams, reports beneficial ownership of 243,628 shares of SBFG common stock, representing 3.9% of the class. The group reports no sole voting or dispositive power, and shared voting and shared dispositive power over 243,628 shares of common stock.
SB Financial Group, Inc. received an updated Schedule 13G/A (Amendment No. 10) from Manulife Financial Corporation and its indirect, wholly owned subsidiary Manulife Investment Management (US) LLC. Manulife Investment Management (US) LLC reports beneficial ownership of 468,892 shares of SB Financial common stock, representing 7.47% of the 6,275,117 shares outstanding as of May 7, 2026, as cited from the issuer’s Form 10-Q. Through its parent-subsidiary relationship, Manulife Financial Corporation may be deemed to share beneficial ownership of the same shares, while voting and dispositive powers are held at the subsidiary level.
SB Financial Group, Inc., an Ohio-based financial holding company, reported stronger profitability for the period ended June 30, 2026. For the three months ended June 30, 2026, net income was $4.5 million, up from $3.9 million a year earlier, with basic and diluted EPS of $0.72 versus $0.60. For the first six months of 2026, net income was $8.8 million compared with $6.0 million in 2025, and basic EPS rose to $1.41 from $0.93. Six‑month net interest income was $25.7 million versus $23.4 million, while the total provision for credit losses declined to $0.5 million from $1.0 million. Noninterest income was $9.7 million and noninterest expense $24.1 million for the six‑month period. Total comprehensive income for six months was $8.4 million versus $10.8 million, reflecting changes in other comprehensive income.
At June 30, 2026, total assets were $1.62 billion versus $1.55 billion at December 31, 2025. Loans totaled $1.19 billion and deposits $1.39 billion, up from $1.31 billion. The allowance for credit losses on loans increased to $16.4 million, while nonaccrual loans decreased to $3.5 million from $4.6 million. The allowance for unfunded commitments stood at $1.4 million. Goodwill remained at $27.2 million; a qualitative impairment assessment as of June 30, 2026, indicated estimated fair value below carrying value, but management concluded no goodwill impairment was required. The Company also highlighted its January 2025 acquisition of Marblehead Bancorp, which added loans, deposits and goodwill, and reported mortgage servicing rights of $16.0 million supporting a serviced portfolio of approximately $1.50 billion.
SB Financial Group, Inc. reported stronger results for the quarter ended June 30, 2026, with net income of $4.5 million, up 16.7% from a year earlier, and diluted EPS of $0.72, up 20.0%. Total operating revenue rose 4.5% to $17.9 million, as net interest income grew 6.8% and the provision for credit losses fell 49.9%, partly offset by slightly lower noninterest income and a net interest margin of 3.43% versus 3.48%.
Total assets reached $1.62 billion, up 9.0% year over year, with loans up 8.7% to $1.19 billion and deposits up 11.3% to $1.39 billion, producing a loan‑to‑deposit ratio of 85.51%. Asset quality remained strong: nonperforming assets declined to 0.27% of total assets, and the allowance for credit losses stood at 1.38% of loans, covering 470.31% of nonperforming loans. Return on average assets was 1.12% and return on average equity 12.44% for the quarter, while the efficiency ratio improved to 67.32%. The company also repurchased about 28,000 shares and maintained regular dividends.
SB Financial Group reported solid second‑quarter 2026 performance, with net income of $4.5 million and diluted EPS of $0.72, up from $0.60 a year earlier. Tangible book value per share rose to $19.04, approximately 15.8% higher than $16.44, and adjusted tangible book value per share excluding AOCI reached $22.57. Total operating revenue was $17.9 million, up 4.5% year over year from $17.2 million, as net interest income increased to $13.0 million and non‑interest income to $5.0 million, representing 27.8% of operating revenue.
Loans grew to $1.19 billion, 8.7% above the prior‑year quarter, while deposits climbed to $1.39 billion, up just over 11%. Asset quality stayed strong: non‑performing assets declined to $4.4 million, only 0.27% of total assets, and the $16.4 million allowance equaled 1.38% of loans and nearly five times non‑performing loans. Pre‑tax pre‑provision income increased 9.0% to $5.8 million, and the efficiency ratio improved to 67.3%. Management highlighted mortgage originations of $79.3 million, a servicing portfolio of $1.50 billion, agricultural balances above $81 million, and continued deposit growth from market disruption, while maintaining a $0.16 quarterly dividend, a 2.4% yield at a 22% payout ratio.
Vanguard Capital Management filed an amended beneficial ownership report for SB Financial Group Inc common stock. Vanguard and certain affiliated entities report beneficial ownership of 292,327 shares, representing 4.65% of the class as of June 30, 2026.
Vanguard has sole voting power over 38,399 shares and sole dispositive power over 292,327 shares, with no shared voting or dispositive power. The holdings include securities held by various Vanguard funds and managed accounts where Vanguard or its indicated affiliates exercise voting and/or dispositive authority. No other single person’s interest in the reported securities exceeds 5% of the class.