Here are the 10-K annual reports from SB Financial Group, Inc. (SBFG) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow SBFG and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full SBFG filings page.
SB Financial Group, Inc. presents its 2025 annual report describing a regulated regional financial holding company centered on The State Bank and Trust Company. The bank offers commercial and consumer banking, wealth management, and title insurance through 27 branches and multiple loan production offices in Ohio and Indiana.
The report emphasizes extensive federal and state oversight, capital and liquidity requirements, Community Reinvestment Act obligations, cybersecurity expectations, and consumer protection rules. It notes use of the CECL credit loss model, a one-time $1.4 million increase to the allowance for credit losses, and highlights dividend limits driven by regulatory capital, with $12.1 million of bank earnings available for upstream dividends at year-end 2025.