0001213900-23-082514.txt : 20231102 0001213900-23-082514.hdr.sgml : 20231102 20231102103300 ACCESSION NUMBER: 0001213900-23-082514 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20231030 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20231102 DATE AS OF CHANGE: 20231102 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SB FINANCIAL GROUP, INC. CENTRAL INDEX KEY: 0000767405 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 341395608 STATE OF INCORPORATION: OH FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-36785 FILM NUMBER: 231370579 BUSINESS ADDRESS: STREET 1: 401 CLINTON ST CITY: DEFIANCE STATE: OH ZIP: 43512 BUSINESS PHONE: 4197838930 MAIL ADDRESS: STREET 1: 401 CLINTON STREET STREET 2: PO BOX 467 CITY: DEFIANCE STATE: OH ZIP: 43512 FORMER COMPANY: FORMER CONFORMED NAME: RURBAN FINANCIAL CORP DATE OF NAME CHANGE: 19920703 8-K 1 ea187524-8k_sbfinancial.htm CURRENT REPORT

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) November 2, 2023 (October 30, 2023)

SB FINANCIAL GROUP, INC

(Exact name of registrant as specified in its charter)

Ohio		0-13507		34-1395608
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

401 Clinton Street, Defiance, OH		43512
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code (419) 783-8950

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading symbol(s)		Name of each exchange on which registererd
Common Shares, No Par Value 6,808,615 Outstanding at November 2, 2023		SBFG		The NASDAQ Stock Market, LLC (NASDAQ Capital Market)

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On October 30, 2023, SB Financial Group, Inc. (the “Company”) issued a news release reporting financial results for the third quarter 2023. A copy of the October 30, 2023 news release is furnished as Exhibit 99.1 and is incorporated herein by reference.

The information in this Item 2.02, including Exhibit 99.1 furnished herewith, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities of that Section, nor shall such information be deemed to be incorporated by reference in any registration statement or other document filed under the Securities Act of 1933 or the Exchange Act, except as otherwise stated in such filing.

Item 9.01. Financial Statements and Exhibits.

(a) Not Applicable

(b) Not Applicable

(c) Not Applicable

(d) Exhibits

Exhibit No.		Description
99.1		News release issued by SB Financial Group, Inc. on October 30, 2023, reporting financial results for the third quarter 2023.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

1

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	SB FINANCIAL GROUP, INC.

Dated: November 2, 2023	By:	/s/ Anthony V. Cosentino
		Anthony V. Cosentino
		Chief Financial Officer

2

INDEX TO EXHIBITS

Current Report on Form 8-K

Dated November 2, 2023

SB Financial Group, Inc.

Exhibit No.		Description
99.1		News release issued by SB Financial Group, Inc. on October 30, 2023, reporting financial results for the third quarter 2023.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

3

EX-99.1 2 ea187524ex99-1_sbfinancial.htm NEWS RELEASE ISSUED BY SB FINANCIAL GROUP, INC. ON OCTOBER 30, 2023, REPORTING FINANCIAL RESULTS FOR THE THIRD QUARTER 2023

Exhibit 99.1

SB Financial Group Announces Third Quarter 2023 Results

DEFIANCE, OH, October 30, 2023 -- SB Financial Group, Inc. (NASDAQ: SBFG) (“SB Financial” or the “Company”), a diversified financial services company providing full-service community banking, mortgage banking, wealth management, private client and title insurance services today reported earnings for the third quarter ended September 30, 2023.

Third quarter 2023 highlights over the third quarter prior year include:

●

Net income of $2.7 million decreased 19.6 percent with diluted earnings per share (“EPS”) of $0.39 and down to the linked quarter by 12.6 percent

●

Asset quality remained stable, with 30 basis points of non-performing assets and net charge-offs of just $5 thousand in the quarter

●

Coverage of our non-performing loans by the allowance improved by 29 percent to 474 percent

●

Loans were higher from both the prior year and linked quarters and the portfolio has now grown for 7 consecutive quarters

Nine months ended September 30, 2023, highlights over prior-year nine months include:

●

Net income of $8.2 million, down 8.6 percent

●

Adjusted for OMSR recapture, net income is higher by 2.4 percent

●

Noninterest expense of $31.6 million declined 1.4 percent

●

Total net charge-offs year-to-date of just $88 thousand or 0.01 percent of total loans

Third quarter 2023 trailing twelve-month highlights include:

●

Loan growth of $63.8 million, or 6.9 percent

●

Deposit growth remained steady compared to the prior year but increased over the linked quarter by $14.2 million. Deposit costs have increased from the prior year by $8.3 million with the deposit cost of funds reaching 1.53 percent

Earnings Highlights		Three Months Ended												Nine Months Ended
($ in thousands, except per share & ratios)		Sep. 2023				Sep. 2022				% Change				Sep. 2023				Sep. 2022				% Change
Operating revenue		$	13,699			$	14,473				-5.3	%		$	41,879			$	43,017				-2.6	%
Interest income			14,796				11,764				25.8	%			43,026				31,632				36.0	%
Interest expense			5,260				1,334				294.3	%			13,337				3,133				325.7	%
Net interest income			9,536				10,430				-8.6	%			29,689				28,499				4.2	%
Provision for credit losses			(6	)			-				0.0	%			389				-				0.0	%
Noninterest income			4,163				4,043				3.0	%			12,190				14,518				-16.0	%
Noninterest expense			10,481				10,384				0.9	%			31,593				32,046				-1.4	%
Net income			2,687				3,343				-19.6	%			8,212				8,988				-8.6	%
Earnings per diluted share			0.39				0.47				-17.0	%			1.18				1.27				-7.1	%
Return on average assets			0.80	%			1.03	%			-22.3	%			0.81	%			0.91	%			-11.0	%
Return on average equity			8.73	%			10.89	%			-19.8	%			8.72	%			9.21	%			-5.3	%

“Funding costs continued to be headwinds for us in the quarter, however we are pleased that we were still able to grow our deposit base from the linked quarter, despite that higher cost” said Mark A. Klein, Chairman, President, and CEO of SB Financial. “Our asset quality continued to be peer leading and our allowance percentage at 1.60 percent provides critical stability and strength as we move forward into a potentially tougher economic environment.”

RESULTS OF OPERATIONS

Consolidated Revenue

Total interest income for the third quarter was up $3.0 million or 25.8 percent from the prior year and from the linked quarter was up nearly 11 percent on an annualized basis, as the yield on earning assets increased 89 basis points to 4.78 percent. However, deposit and other funding costs have risen at a faster pace, reducing net interest margin to 3.08 percent, down 37 basis points compared to the prior year and 7 basis points compared to the linked quarter.

Noninterest income was up from the prior year but down compared to the linked quarter, reflecting higher margins from gain on sale and relative growth in the mortgage sector, offset by weakness in our SBA volume and gain on sale. Wealth management revenues are under pressure from weaker equity markets and a reduction in client assets. For the full year, adjusting for the OMSR recapture, total noninterest income decreased $1.1 million or 8.2 percent due to our mortgage origination and sale volume being lower by 32.7 and 20.7 percent, respectively.

Mortgage Loan Business

Mortgage loan originations for the third quarter of 2023 were $61.2 million, down $7.4 million, or 10.7 percent, from the prior year quarter. Total sales of originated loans increased compared to the prior year, reaching $54.1 million, up $14.9 million, or 38.1 percent as we adjusted pricing and reduced duration risk in order to transition from portfolio production.

Net mortgage banking revenue, comprising gains on the sale of mortgage loans and net loan servicing fees, totaled $1.6 million for the third quarter, up from $1.4 million for the prior year quarter and slightly higher from the linked quarter. The mortgage servicing valuation adjustment was a negative $0.1 million, compared to a positive adjustment of $0.1 million for the prior year quarter. The servicing portfolio at September 30, 2023, was $1.37 billion, an increase of $4.5 million compared to the prior year.

Mr. Klein noted, “Our mortgage volume has remained below historical levels as we adjust to a much higher interest rate environment and limited movement of housing inventory and resulting mortgage activity. Historically, we have seen 20 to 30 percent of our volume from refinance transactions, which is down this year to just 9 percent, further impacting production levels.”

2

Mortgage Banking																						Annual
($ in thousands)		Sep. 2023				Jun. 2023				Mar. 2023				Dec. 2022				Sep. 2022				Growth
Mortgage originations		$	61,200			$	65,387			$	49,366			$	51,219			$	68,557			$	(7,357	)
Mortgage sales			54,085				47,933				25,803				23,590				39,176				14,909
Mortgage servicing portfolio			1,367,209				1,353,904				1,344,158				1,352,016				1,362,666				4,543
Mortgage servicing rights			13,893				13,723				13,548				13,503				13,473				420

Mortgage servicing revenue
Loan servicing fees			850				844				844				851				858				(8	)
OMSR amortization			(334	)			(334	)			(292	)			(310	)			(396	)			62
Net administrative fees			516				510				552				541				462				54
OMSR valuation adjustment			(78	)			(16	)			56				86				65				(143	)
Net loan servicing fees			438				494				608				627				527				(89	)
Gain on sale of mortgages			1,207				1,056				599				550				876				331
Mortgage banking revenue, net		$	1,645			$	1,550			$	1,207			$	1,177			$	1,403			$	242

Noninterest Income and Noninterest Expense

Noninterest income for the quarter increased from the prior year quarter by 3.0 percent and was just slightly below the linked quarter. Gain-on-sale from mortgage loans, was up $0.3 million or 37.8 percent from the prior year. Our sale percentage of originated volume returned to more historical levels with the 88 percent achieved for the quarter marking our highest since early 2020.

For the third quarter of 2023, noninterest expense of $10.5 million was slightly higher than both the prior year and linked quarters. We encountered some one-time expenses in the quarter related to check fraud, which elevated expense levels above our current run rate.

Mr. Klein stated, “As revenue levels have declined, we have been focused on reducing resources and controllable expenses throughout the Company. Our total headcount is down over 7 percent and expenses have declined 1.4 percent for the nine months compared to the prior nine month period.”

Noninterest Income/Noninterest Expense																						Annual
($ in thousands, except ratios)		Sep. 2023				Jun. 2023				Mar. 2023				Dec. 2022				Sep. 2022				Growth
Noninterest Income (NII)		$	4,163			$	4,361			$	3,666			$	3,713			$	4,043			$	120
NII / Total Revenue			30.4	%			30.7	%			26.2	%			25.4	%			27.9	%			2.5	%
NII / Average Assets			1.2	%			1.3	%			1.1	%			1.1	%			1.2	%			0.0	%
Total Revenue Growth			-5.3	%			-0.5	%			-2.0	%			-6.7	%			-13.2	%			-5.3	%

Noninterest Expense (NIE)		$	10,481			$	10,339			$	10,773			$	10,269			$	10,384			$	97
Efficiency Ratio			76.4	%			72.7	%			76.9	%			70.2	%			71.6	%			4.8	%
NIE / Average Assets			3.1	%			3.1	%			3.2	%			3.1	%			3.2	%			-0.1	%
Net Noninterest Expense/Avg. Assets			-1.9	%			-1.8	%			-2.1	%			-2.0	%			-2.0	%			0.1	%
Total Expense Growth			0.9	%			-4.3	%			-0.8	%			-11.2	%			-7.7	%			0.9	%

3

Balance Sheet

As of September 30, 2023, total assets were $1.33 billion, a slight decrease from the linked quarter, and 1.8 percent higher compared to the prior year. Total shareholders’ equity at September 30, 2023, was $112.3 million. Excluding the impact of the investment portfolio net unrealized losses, equity rose to $151.9 million, reflecting a 2.6 percent increase. During the quarter, we repurchased 43,814 shares of our Company stock and we have declared cash dividends of $0.39 per share for the nine-month period, an 8.5 percent increase from the prior period. The investment portfolio of $212.8 million was down $30.5 million or 12.5 percent from a year ago and now constitutes 16.0 percent of total assets.

Total loans held for investment were up $63.8 million or 6.9 percent compared to the prior year. The Allowance for Credit Losses ended the quarter at $15.8 million or 1.60 percent of total loans. The reserve is higher by $2.0 million, or 14.2 percent compared to the prior year due to CECL and negligible charge-offs in the current year. Deposit balances of $1.09 billion at September 30, 2023, were level to the prior year, but were higher compared to the linked quarter by $14.2 million.

Mr. Klein continued, “Loan balances were higher compared to the linked quarter, and we have now grown loans quarter over quarter for seven consecutive quarters. Our commercial pipelines of $44 million remain under pressure in most of our markets, but we continue to aggressively call to expand relationships from both internal and external clients. Asset quality continues to remain stable, and our coverage of non-performing loans has increased to nearly five times at quarter end.”

Loan Balances																						Annual
($ in thousands, except ratios)		Sep. 2023				Jun. 2023				Mar. 2023				Dec. 2022				Sep. 2022				Growth
Commercial		$	120,325			$	123,226			$	126,066			$	128,393			$	128,565			$	(8,240	)
% of Total			12.2	%			12.5	%			12.9	%			13.3	%			13.9	%			-6.4	%
Commercial RE			421,736				417,412				419,024				412,809				404,710				17,026
% of Total			42.6	%			42.4	%			42.9	%			42.9	%			43.7	%			4.2	%
Agriculture			60,928				58,222				57,761				64,505				60,522				406
% of Total			6.2	%			5.9	%			5.9	%			6.7	%			6.5	%			0.7	%
Residential RE			320,306				321,365				309,684				291,368				267,135				53,171
% of Total			32.4	%			32.6	%			31.7	%			30.3	%			28.9	%			19.9	%
Consumer & Other			65,726				64,599				63,777				65,000				64,317				1,409
% of Total			6.6	%			6.6	%			6.5	%			6.8	%			7.0	%			2.2	%
Total Loans		$	989,021			$	984,824			$	976,312			$	962,075			$	925,249			$	63,772
Total Growth Percentage																							6.9	%

Deposit Balances																						Annual
($ in thousands, except ratios)		Sep. 2023				Jun. 2023				Mar. 2023				Dec. 2022				Sep. 2022				Growth
Non-Int DDA		$	224,182			$	218,411			$	237,175			$	256,799			$	250,791			$	(26,609	)
% of Total			20.7	%			20.4	%			21.4	%			23.6	%			23.1	%			-10.6	%
Interest DDA			174,729				170,282				188,497				191,719				199,523				(24,794	)
% of Total			16.1	%			15.9	%			17.0	%			17.6	%			18.4	%			-12.4	%
Savings			226,077				225,065				227,974				191,272				201,402				24,675
% of Total			20.8	%			21.0	%			20.5	%			17.6	%			18.5	%			12.3	%
Money Market			216,565				217,681				222,203				255,995				258,975				(42,410	)
% of Total			20.0	%			20.3	%			20.0	%			23.6	%			23.8	%			-16.4	%
Time Deposits			243,766				239,717				234,295				190,880				175,202				68,564
% of Total			22.5	%			22.4	%			21.1	%			17.6	%			16.1	%			39.1	%
Total Deposits		$	1,085,319			$	1,071,156			$	1,110,144			$	1,086,665			$	1,085,893			$	(574	)
Total Growth Percentage																							-0.1	%

4

Asset Quality

SB Financial reported nonperforming assets totaling $4.0 million as of September 30, 2023, marking a decrease of $0.5 million or 12.1 percent from the same quarter last year, despite a slight increase from the linked quarter. The coverage ratio for problem loans, has notably strengthened, improving nearly 100 basis points from the previous year. The enhancement is attributed to both the expansion of the allowance, following a CECL adjustment of $1.4 million, and a concurrent reduction in problem loans.

Nonperforming Assets																						Annual
($ in thousands, except ratios)		Sep. 2023				Jun. 2023				Mar. 2023				Dec. 2022				Sep. 2022				Change
Commercial & Agriculture		$	717			$	170			$	185			$	114			$	114			$	603
% of Total Com./Ag. loans			0.40	%			0.09	%			0.10	%			0.06	%			0.06	%			528.9	%
Commercial RE			222				192				199				210				223				(1	)
% of Total CRE loans			0.05	%			0.05	%			0.05	%			0.05	%			0.06	%			-0.4	%
Residential RE			2,182				2,266				2,742				3,020				3,129				(947	)
% of Total Res. RE loans			0.68	%			0.71	%			0.89	%			1.04	%			1.17	%			-30.3	%
Consumer & Other			208				282				270				338				280				(72	)
% of Total Con./Oth. loans			0.32	%			0.44	%			0.42	%			0.52	%			0.44	%			-25.7	%
Total Nonaccruing Loans			3,329				2,910				3,396				3,682				3,746				(417	)
% of Total loans			0.34	%			0.30	%			0.35	%			0.38	%			0.40	%			-11.1	%
Foreclosed Assets and Other Assets			629				625				650				777				756				(127	)
Total Change (%)																							-16.8	%
Total Nonperforming Assets		$	3,958			$	3,535			$	4,046			$	4,459			$	4,502			$	(544	)
% of Total assets			0.30	%			0.26	%			0.30	%			0.33	%			0.35	%			-12.08	%

Webcast and Conference Call

The Company will hold the third quarter 2023 earnings conference call and webcast on October 31, 2023, at 11:00 a.m. EDT. Interested parties may access the conference call by dialing 1-888-338-9469. The webcast can be accessed at ir.yourstatebank.com. An audio replay of the call will be available on the Company’s website.

About SB Financial Group

Headquartered in Defiance, Ohio, SB Financial is a diversified financial services holding company for the State Bank & Trust Company (State Bank) and SBFG Title, LLC dba Peak Title (Peak Title). State Bank provides a full range of financial services for consumers and small businesses, including wealth management, private client services, mortgage banking and commercial and agricultural lending, operating through a total of 23 offices: 22 in nine Ohio counties and one in Fort Wayne, Indiana, and 23 ATMs. State Bank has six loan production offices located throughout the Tri-State region of Ohio, Indiana and Michigan. Peak Title provides title insurance and title opinions throughout the Tri-State region. SB Financial’s common stock is listed on the NASDAQ Capital Market with the ticker symbol “SBFG”.

In May 2023, SB Financial was valued #163 on the American Banker Magazine’s list of top 200 publicly traded Community Bank and Thrifts based on three-year average return on equity.

5

Forward-Looking Statements

Certain statements within this document, which are not statements of historical fact, constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements involve risks and uncertainties, and actual results may differ materially from those predicted by the forward-looking statements. These risks and uncertainties include, but are not limited to, risks and uncertainties inherent in the national and regional banking industry, changes in economic conditions in the market areas in which SB Financial and its subsidiaries operate, changes in policies by regulatory agencies, changes in accounting standards and policies, changes in tax laws, fluctuations in interest rates, demand for loans in the market areas in SB Financial and its subsidiaries operate, increases in FDIC insurance premiums, changes in the competitive environment, losses of significant customers, geopolitical events, the loss of key personnel and other risks identified in SB Financial’s Annual Report on Form 10-K and documents subsequently filed by SB Financial with the Securities and Exchange Commission. Forward-looking statements speak only as of the date on which they are made, and SB Financial undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made, except as required by law. All subsequent written and oral forward-looking statements attributable to SB Financial or any person acting on its behalf are qualified by these cautionary statements.

Non-GAAP Financial Measures

This press release contains financial information determined by methods other than in accordance with U.S. generally accepted accounting principles (“GAAP”). Non-GAAP financial measures, specifically pre-tax, pre-provision income, tangible common equity, tangible assets, tangible book value per common share, tangible common equity to tangible assets, return on average tangible common equity, total interest income – FTE, net interest income – FTE and net interest margin – FTE are used by the Company’s management to measure the strength of its capital and analyze profitability, including its ability to generate earnings on tangible capital invested by its shareholders. In addition, the Company excludes the OMSR impairment from both net income and non-interest income to report non-GAAP adjusted levels. Although management believes these non-GAAP measures are useful to investors by providing a greater understanding of its business, they should not be considered a substitute for financial measures determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies.

Investor Contact Information:

Mark A. Klein

Chairman, President and

Chief Executive Officer

Mark.Klein@YourStateBank.com

Anthony V. Cosentino

Executive Vice President and

Chief Financial Officer

Tony.Cosentino@YourStateBank.com

6

SB FINANCIAL GROUP, INC.

CONSOLIDATED BALANCE SHEETS - (Unaudited)

		September				June				March				December				September
($ in thousands)		2023				2023				2023				2022				2022
ASSETS
Cash and due from banks		$	19,049			$	20,993			$	21,625			$	27,817			$	27,934
Interest bearing time deposits			1,180				1,180				1,380				2,131				2,134
Available-for-sale securities			212,768				227,996				237,607				238,780				243,233
Loans held for sale			3,206				5,684				5,592				2,073				2,979
Loans, net of unearned income			989,021				984,824				976,312				962,075				925,249
Allowance for credit losses			(15,790	)			(15,795	)			(15,442	)			(13,818	)			(13,824	)
Premises and equipment, net			21,934				22,230				22,621				22,829				22,842
Federal Reserve and FHLB Stock, at cost			6,261				7,634				6,054				6,326				5,230
Foreclosed assets and other assets			629				625				650				777				756
Interest receivable			4,457				4,079				3,926				4,091				3,556
Goodwill			23,239				23,239				23,239				23,239				23,239
Cash value of life insurance			29,291				29,183				29,024				28,870				28,713
Mortgage servicing rights			13,893				13,723				13,548				13,503				13,473
Other assets			17,336				15,840				15,157				16,940				17,863
Total assets		$	1,326,474			$	1,341,435			$	1,341,293			$	1,335,633			$	1,303,377

LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits
Non interest bearing demand		$	224,182			$	218,411			$	237,175			$	256,799			$	250,791
Interest bearing demand			174,729				170,282				188,497				191,719				199,523
Savings			226,077				225,065				227,974				191,272				201,402
Money market			216,565				217,681				222,203				255,995				258,975
Time deposits			243,766				239,717				234,295				190,880				175,202
Total deposits			1,085,319				1,071,156				1,110,144				1,086,665				1,085,893

Short-term borrowings			16,519				21,118				15,998				14,923				19,754
Federal Home Loan Bank advances			59,500				81,300				44,500				60,000				35,000
Trust preferred securities			10,310				10,310				10,310				10,310				10,310
Subordinated debt net of issuance costs			19,630				19,618				19,606				19,594				19,582
Interest payable			2,216				1,866				1,441				769				623
Other liabilities			20,632				18,401				19,535				24,944				17,587
Total liabilities			1,214,126				1,223,769				1,221,534				1,217,205				1,188,749

Shareholders’ Equity
Common stock			61,319				61,319				61,319				61,319				61,319
Additional paid-in capital			15,037				15,154				14,953				15,087				15,000
Retained earnings			105,521				103,725				101,548				101,966				99,309
Accumulated other comprehensive loss			(39,517	)			(32,894	)			(29,671	)			(32,120	)			(33,426	)
Treasury stock			(30,012	)			(29,638	)			(28,390	)			(27,824	)			(27,574	)
Total shareholders’ equity			112,348				117,666				119,759				118,428				114,628

Total liabilities and shareholders’ equity		$	1,326,474			$	1,341,435			$	1,341,293			$	1,335,633			$	1,303,377

7

SB FINANCIAL GROUP, INC.

CONSOLIDATED STATEMENTS OF INCOME - (Unaudited)

($ in thousands, except per share & ratios)		At and for the Three Months Ended																				Nine Months Ended
		September				June				March				December				September				September				September
		2023				2023				2023				2022				2022				2023				2022
Interest income
Loans
Taxable		$	13,128			$	12,715			$	12,126			$	11,222			$	10,084			$	37,969			$	27,016
Tax exempt			122				121				116				109				92				359				226
Securities
Taxable			1,507				1,524				1,535				1,559				1,536				4,566				4,239
Tax exempt			39				46				47				47				52				132				151
Total interest income			14,796				14,406				13,824				12,937				11,764				43,026				31,632

Interest expense
Deposits			4,194				3,538				2,578				1,440				852				10,310				2,037
Repurchase agreements & other			16				9				10				7				8				35				32
Federal Home Loan Bank advances			666				664				553				258				180				1,883				257
Trust preferred securities			189				172				164				138				99				525				223
Subordinated debt			195				194				195				194				195				584				584
Total interest expense			5,260				4,577				3,500				2,037				1,334				13,337				3,133

Net interest income			9,536				9,829				10,324				10,900				10,430				29,689				28,499

Provision for credit losses			(6	)			145				250				-				-				389				-

Net interest income after provision for loan losses			9,542				9,684				10,074				10,900				10,430				29,300				28,499

Noninterest income
Wealth management fees			837				940				917				907				930				2,694				2,821
Customer service fees			863				871				825				880				844				2,559				2,498
Gain on sale of mtg. loans & OMSR			1,207				1,056				599				550				876				2,862				3,748
Mortgage loan servicing fees, net			438				494				608				627				527				1,540				2,337
Gain on sale of non-mortgage loans			10				218				24				105				125				252				461
Title insurance revenue			429				455				373				454				476				1,257				1,775
Gain (loss) on sale of assets			-				15				(11	)			18				(12	)			4				43
Other			379				312				331				172				277				1,022				835
Total noninterest income			4,163				4,361				3,666				3,713				4,043				12,190				14,518

Noninterest expense
Salaries and employee benefits			5,491				5,721				5,913				5,677				5,858				17,125				18,465
Net occupancy expense			764				802				784				763				769				2,350				2,230
Equipment expense			1,068				1,002				981				1,017				918				3,051				2,599
Data processing fees			648				685				646				627				664				1,979				1,883
Professional fees			623				612				863				738				766				2,098				2,476
Marketing expense			189				213				198				258				200				600				653
Telephone and communication expense			124				124				121				124				134				369				350
Postage and delivery expense			100				78				87				121				75				265				301
State, local and other taxes			218				218				228				277				250				664				805
Employee expense			141				156				188				157				145				485				456
Other expenses			1,115				728				764				510				605				2,607				1,828
Total noninterest expense			10,481				10,339				10,773				10,269				10,384				31,593				32,046

Income before income tax expense			3,224				3,706				2,967				4,344				4,089				9,897				10,971
Income tax expense			537				631				517				811				746				1,685				1,983

Net income		$	2,687			$	3,075			$	2,450			$	3,533			$	3,343			$	8,212			$	8,988

Common share data:
Basic earnings per common share		$	0.40			$	0.45			$	0.35			$	0.51			$	0.48			$	1.20			$	1.28
Diluted earnings per common share		$	0.39			$	0.44			$	0.35			$	0.50			$	0.47			$	1.18			$	1.27

Average shares outstanding (in thousands):
Basic:			6,791				6,847				6,933				6,945				6,968				6,857				7,026
Diluted:			6,878				6,910				7,008				7,021				7,033				6,944				7,098

8

SB FINANCIAL GROUP, INC.

CONSOLIDATED FINANCIAL HIGHLIGHTS - (Unaudited)

($ in thousands, except per share & ratios)		At and for the Three Months Ended																				Nine Months Ended
		September				June				March				December				September				September				September
SUMMARY OF OPERATIONS		2023				2023				2023				2022				2022				2023				2022
Net interest income		$	9,536			$	9,829			$	10,324			$	10,900			$	10,430			$	29,689			$	28,499
Tax-equivalent adjustment			43				44				43				41				38				131				100
Tax-equivalent net interest income			9,579				9,873				10,367				10,941				10,468				29,820				28,599
Provision for credit loss			(6	)			145				250				-				-				389				-
Noninterest income			4,163				4,361				3,666				3,713				4,043				12,190				14,518
Total operating revenue			13,699				14,190				13,990				14,613				14,473				41,879				43,017
Noninterest expense			10,481				10,339				10,773				10,269				10,384				31,593				32,046
Pre-tax pre-provision income			3,218				3,851				3,217				4,344				4,088				10,286				10,971
Pretax income			3,224				3,706				2,967				4,344				4,088				9,897				10,971
Net income			2,687				3,075				2,450				3,533				3,343				8,212				8,988

PER SHARE INFORMATION:
Basic earnings per share (EPS)			0.40				0.45				0.35				0.51				0.48				1.20				1.28
Diluted earnings per share			0.39				0.44				0.35				0.50				0.47				1.18				1.27
Common dividends			0.130				0.130				0.125				0.125				0.120				0.385				0.355
Book value per common share			16.59				17.30				17.37				17.08				16.49				16.59				16.49
Tangible book value per common share (TBV)			13.09				13.81				13.93				13.65				13.07				13.09				13.07
Market price per common share			13.50				12.62				14.13				16.95				16.85				13.50				16.85
Market price to TBV			103.1	%			91.4	%			101.4	%			124.2	%			128.9	%			103.1	%			128.9	%
Market price to trailing 12 month EPS			8.0				7.1				8.2				9.6				9.6				8.0				9.6

PERFORMANCE RATIOS:
Return on average assets (ROAA)			0.80	%			0.91	%			0.73	%			1.08	%			1.03	%			0.81	%			0.91	%
Pre-tax pre-provision ROAA			0.96	%			1.14	%			0.96	%			1.32	%			1.26	%			1.10	%			1.19	%
Return on average equity			8.73	%			10.01	%			8.37	%			12.17	%			10.89	%			8.72	%			9.21	%
Return on average tangible equity			10.82	%			12.40	%			10.50	%			15.30	%			13.51	%			10.75	%			11.28	%
Efficiency ratio			76.34	%			72.71	%			76.85	%			70.16	%			71.63	%			75.28	%			74.38	%
Earning asset yield			4.78	%			4.61	%			4.49	%			4.27	%			3.89	%			4.61	%			3.42	%
Cost of interest bearing liabilities			2.18	%			1.90	%			1.46	%			0.90	%			0.58	%			1.85	%			0.45	%
Net interest margin			3.08	%			3.15	%			3.35	%			3.60	%			3.45	%			3.18	%			3.08	%
Tax equivalent effect			0.01	%			0.01	%			0.02	%			0.01	%			0.01	%			0.02	%			0.01	%
Net interest margin, tax equivalent			3.09	%			3.16	%			3.37	%			3.61	%			3.46	%			3.20	%			3.09	%
Non interest income/Average assets			1.24	%			1.30	%			1.10	%			1.13	%			1.24	%			1.21	%			1.47	%
Non interest expense/Average assets			3.13	%			3.07	%			3.23	%			3.13	%			3.19	%			3.13	%			3.24	%
Net noninterest expense/Average assets			-1.89	%			-1.78	%			-2.13	%			-2.00	%			-1.95	%			-1.92	%			-1.77	%

ASSET QUALITY RATIOS:
Gross charge-offs			12				32				69				7				9				113				27
Recoveries			7				10				8				1				32				25				46
Net charge-offs			5				22				61				6				(23	)			88				(19	)
Nonperforming loans/Total loans			0.34	%			0.30	%			0.35	%			0.38	%			0.40	%			0.34	%			0.40	%
Nonperforming assets/Loans & OREO			0.40	%			0.36	%			0.41	%			0.46	%			0.49	%			0.40	%			0.49	%
Nonperforming assets/Total assets			0.30	%			0.26	%			0.30	%			0.33	%			0.35	%			0.30	%			0.35	%
Allowance for credit loss/Nonperforming loans			474.32	%			542.78	%			454.71	%			375.29	%			369.03	%			474.32	%			369.03	%
Allowance for credit loss/Total loans			1.60	%			1.60	%			1.58	%			1.44	%			1.49	%			1.60	%			1.49	%
Net loan charge-offs/Average loans (ann.)			0.00	%			0.01	%			0.03	%			0.00	%			(0.01	%)			0.01	%			(0.00	%)

CAPITAL & LIQUIDITY RATIOS:
Loans/ Deposits			91.13	%			91.94	%			87.94	%			88.53	%			85.21	%			91.13	%			85.21	%
Equity/ Assets			8.47	%			8.77	%			8.93	%			8.87	%			8.79	%			8.47	%			8.79	%
Tangible equity/Tangible assets			6.81	%			7.13	%			7.29	%			7.22	%			7.10	%			6.81	%			7.10	%
Common equity tier 1 ratio (Bank)			13.56	%			13.18	%			13.44	%			13.42	%			13.23	%			13.56	%			13.23	%

END OF PERIOD BALANCES
Total assets			1,326,474				1,341,435				1,341,293				1,335,633				1,303,377				1,326,474				1,303,377
Total loans			989,021				984,824				976,312				962,075				925,249				989,021				925,249
Deposits			1,085,319				1,071,156				1,110,144				1,086,665				1,085,893				1,085,319				1,085,893
Stockholders equity			112,348				117,666				119,759				118,428				114,628				112,348				114,628
Goodwill and intangibles			23,687				23,710				23,732				23,753				23,770				23,687				23,770
Tangible equity			88,661				93,956				96,027				94,675				90,858				88,661				90,858
Mortgage servicing portfolio			1,367,209				1,353,904				1,344,158				1,352,016				1,362,666				1,367,209				1,362,666
Wealth/Brokerage assets under care			478,236				499,255				518,009				507,093				480,947				478,236				480,947
Total assets under care			3,171,919				3,194,594				3,203,460				3,194,742				3,146,990				3,171,919				3,146,990
Full-time equivalent employees			252				253				255				268				271				252				271
Period end common shares outstanding			6,773				6,803				6,894				6,935				6,950				6,773				6,950
Market capitalization (all)			91,437				85,857				97,419				117,556				117,113				91,437				117,113

AVERAGE BALANCES
Total assets			1,339,870				1,346,010				1,335,056				1,314,419				1,302,297				1,344,467				1,319,668
Total earning assets			1,239,145				1,248,813				1,232,018				1,211,674				1,209,958				1,243,094				1,231,865
Total loans			989,089				988,348				970,813				937,898				909,909				982,817				871,340
Deposits			1,095,414				1,100,344				1,098,935				1,094,491				1,085,821				1,098,593				1,109,345
Stockholders equity			123,070				122,886				117,071				116,114				122,738				125,580				130,069
Goodwill and intangibles			23,698				23,721				23,743				23,761				23,778				23,720				23,791
Tangible equity			99,372				99,165				93,328				92,353				98,960				101,860				106,278
Average basic shares outstanding			6,791				6,847				6,933				6,945				6,968				6,857				7,026
Average diluted shares outstanding			6,878				6,910				7,008				7,021				7,033				6,944				7,098

9

SB FINANCIAL GROUP, INC.

Rate Volume Analysis - (Unaudited)

For the Three Months Ended Sep. 30, 2023 and 2022

($ in thousands)		Three Months Ended Sep. 30, 2023												Three Months Ended Sep. 30, 2022
		Average								Average				Average								Average
		Balance				Interest				Rate				Balance				Interest				Rate
Assets
Taxable securities/cash		$	243,261			$	1,507				2.48	%		$	291,712			$	1,536				2.11	%
Nontaxable securities			6,795				39				2.30	%			8,337				52				2.49	%
Loans, net			989,089				13,250				5.36	%			909,909				10,176				4.47	%
Total earning assets			1,239,145				14,796				4.78	%			1,209,958				11,764				3.89	%
Cash and due from banks			4,022												6,782
Allowance for loan losses			(15,791	)											(13,802	)
Premises and equipment			22,120												23,762
Other assets			90,374												75,597
Total assets		$	1,339,870											$	1,302,297

Liabilities
Savings, MMDA and interest bearing demand		$	620,092			$	2,232				1.44	%		$	681,209			$	542				0.32	%
Time deposits			244,289				1,962				3.21	%			155,979				310				0.79	%
Repurchase agreements & other			16,319				16				0.39	%			20,160				8				0.16	%
Advances from Federal Home Loan Bank			55,073				666				4.84	%			26,739				180				2.69	%
Trust preferred securities			10,310				189				7.33	%			10,310				99				3.84	%
Subordinated debt			19,622				195				3.98	%			19,576				195				3.98	%
Total interest bearing liabilities			965,705				5,260				2.18	%			913,973				1,334				0.58	%
Non interest bearing demand			231,033				-								248,633				-
Total funding			1,196,738								1.76	%			1,162,606								0.46	%
Other liabilities			20,062												16,952
Total liabilities			1,216,800												1,179,558
Equity			123,070												122,738

Total liabilities and equity		$	1,339,870											$	1,302,296

Net interest income						$	9,536											$	10,430

Net interest income as a percent of average interest-earning assets - GAAP measure											3.08	%											3.45	%

Net interest income as a percent of average interest-earning assets - non GAAP											3.09	%											3.46	%
- Computed on a fully tax equivalent (FTE) basis

10

		Nine Months Ended Sep. 30, 2023												Nine Months Ended Sep. 30, 2022
		Average								Average				Average								Average
		Balance				Interest				Rate				Balance				Interest				Rate
Assets
Taxable securities/cash		$	252,908			$	4,566				2.41	%		$	352,405			$	4,239				1.60	%
Nontaxable securities			7,369				132				2.39	%			8,120				151				2.48	%
Loans, net			982,817				38,328				5.20	%			871,340				27,242				4.17	%
Total earning assets			1,243,094				43,026				4.61	%			1,231,865				31,632				3.42	%
Cash and due from banks			4,020												7,331
Allowance for loan losses			(15,374	)											(13,804	)
Premises and equipment			22,500												24,265
Other assets			90,227												70,011
Total assets		$	1,344,467											$	1,319,668

Liabilities
Savings, MMDA and interest bearing demand		$	627,074			$	5,367				1.14	%		$	709,033			$	1,293				0.24	%
Time deposits			233,054				4,943				2.83	%			152,230				744				0.65	%
Repurchase agreements & Other			16,576				35				0.28	%			21,298				32				0.20	%
Advances from Federal Home Loan Bank			53,936				1,883				4.65	%			12,154				257				2.82	%
Trust preferred securities			10,310				525				6.79	%			10,310				223				2.88	%
Subordinated debt			19,610				584				3.97	%			19,564				584				3.98	%
Total interest bearing liabilities			960,560				13,337				1.85	%			924,589				3,132				0.45	%
Non interest bearing demand			238,465								1.48	%			248,082								0.36	%
Total funding			1,199,025												1,172,671
Other liabilities			19,862												16,928
Total liabilities			1,218,887												1,189,599
Equity			125,580												130,069

Total liabilities and equity		$	1,344,467											$	1,319,668

Net interest income						$	29,689											$	28,500

Net interest income as a percent of average interest-earning assets - GAAP measure											3.18	%											3.08	%

Net interest income as a percent of average interest-earning assets - non GAAP											3.20	%											3.09	%
- Computed on a fully tax equivalent (FTE) basis

11

Non-GAAP reconciliation		Three Months Ended								Nine Months Ended
($ in thousands, except per share & ratios)		Sep. 30, 2023				Sep. 30, 2022				Sep. 30, 2023				Sep. 30, 2022

Total Operating Revenue		$	13,699			$	14,473			$	41,879			$	43,017
Adjustment to (deduct)/add OMSR recapture/impairment *			78				(65	)			39				(1,193	)
Adjusted Total Operating Revenue			13,777				14,408				41,918				41,824

Income before Income Taxes			3,224				4,088				9,897				10,971
Adjustment for OMSR *			78				(65	)			39				(1,193	)
Adjusted Income before Income Taxes			3,302				4,023				9,936				9,778

Provision for Income Taxes			537				746				1,685				1,983
Adjustment for OMSR **			16				(14	)			8				(251	)
Adjusted Provision for Income Taxes			553				732				1,693				1,733

Net Income			2,687				3,342				8,212				8,988
Adjustment for OMSR *			62				(51	)			31				(942	)
Adjusted Net Income			2,749				3,291				8,243				8,046

Diluted Earnings per Share			0.39				0.47				1.18				1.27
Adjustment for OMSR *			0.01				(0.00	)			0.00				(0.13	)
Adjusted Diluted Earnings per Share		$	0.40			$	0.47			$	1.19			$	1.13

Return on Average Assets			0.80	%			1.03	%			0.81	%			0.91	%
Adjustment for OMSR *			0.02	%			-0.02	%			0.00	%			-0.07	%
Adjusted Return on Average Assets			0.82	%			1.01	%			0.82	%			0.84	%

*	valuation adjustment to the Company’s mortgage servicing rights

**	tax effect is calculated using a 21% statutory federal corporate income tax rate

12

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Cover	Oct. 30, 2023
Cover [Abstract]
Document Type	8-K
Amendment Flag	false
Document Period End Date	Oct. 30, 2023
Entity File Number	0-13507
Entity Registrant Name	SB FINANCIAL GROUP, INC
Entity Central Index Key	0000767405
Entity Tax Identification Number	34-1395608
Entity Incorporation, State or Country Code	OH
Entity Address, Address Line One	401 Clinton Street
Entity Address, City or Town	Defiance
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	43512
City Area Code	419
Local Phone Number	783-8950
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Title of 12(b) Security	Common Shares, No Par Value 6,808,615 Outstanding at November 2, 2023
Trading Symbol	SBFG
Security Exchange Name	NASDAQ
Entity Emerging Growth Company	false

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