0001213900-24-063438.txt : 20240723 0001213900-24-063438.hdr.sgml : 20240723 20240723124436 ACCESSION NUMBER: 0001213900-24-063438 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20240719 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240723 DATE AS OF CHANGE: 20240723 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SB FINANCIAL GROUP, INC. CENTRAL INDEX KEY: 0000767405 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] ORGANIZATION NAME: 02 Finance 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: 241133592 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 ea0209871-8k_sbfin.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) July 23, 2024 (July 19, 2024)

SB FINANCIAL GROUP, INC

(Exact name of registrant as specified in its charter)

Ohio		001-36785		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 1 4a- 12 under the Exchange Act (17 CFR 240.1 4a- 12)

☐	Pre-commencement communications pursuant to Rule 1 4d-2(b) under the Exchange Act (17 CFR 240.1 4d-2(b))

☐	Pre-commencement communications pursuant to Rule 1 3e-4(c) under the Exchange Act (17 CFR 240.1 3e-4(c))

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. ☐

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

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Shares, No Par Value 6,737,465 Outstanding at July 23, 2024

SBFG

The NASDAQ Stock Market, LLC

(NASDAQ Capital Market)

Item 2.02. Results of Operations and Financial Condition.

On July 19, 2024, SB Financial Group, Inc. (the “Company”) hosted a conference call and webcast to discuss its financial results for the second quarter ending June 30, 2024. A copy of the transcript for the conference call and webcast 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		Transcript of conference call and webcast conducted on July 19, 2024.
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: July 23, 2024	By:	/s/ Anthony V. Cosentino
		Anthony V. Cosentino
		Chief Financial Officer

-2-

INDEX TO EXHIBITS

Current Report on Form 8-K

Dated July 23, 2024

SB Financial Group, Inc.

Exhibit No.		Description
99.1		Transcript of conference call and webcast conducted on July 19, 2024.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

-3-

EX-99.1 2 ea020987101ex99-1_sbfin.htm TRANSCRIPT OF CONFERENCE CALL AND WEBCAST CONDUCTED ON JULY 19, 2024

Exhibit 99.1

Call Participants

EXECUTIVES

Anthony V. Cosentino

Executive VP & CFO

Mark A. Klein

Chairman, President & CEO

Steven A. Walz

Executive VP & Chief Lending Officer

Sarah Mekus

The State Bank and Trust Company

ANALYSTS

Brian Joseph Martin

Janney Montgomery Scott LLC, Research Division

Presentation

Operator

Good morning, and welcome to the SB Financial Second Quarter 2024 Conference Call and Webcast. I would like to inform you that this conference call is being recorded and that all participants are in a listen-only mode. We will begin with remarks by management and then open the conference up to the investment community for questions and answers.

I will now turn the conference over to Sarah Mekus with SB Financial. Please go ahead, Sarah.

Sarah Mekus

The State Bank and Trust Company

Thank you. Good morning, everyone.

I’d like to remind you that this conference call is being broadcast live over the Internet and will be archived and available on our website at ir.yourstatebank.com.

Joining me today are Mark Klein, Chairman, President and CEO; Tony Cosentino, Chief Financial Officer; and Steve Walz, Chief Lending Officer.

Today’s presentation may contain forward-looking information. Cautionary statements about this information, as well as reconciliations of non-GAAP financial measures are included in today’s earnings release materials as well as our SEC filings. These materials are available on our website, and we encourage participants to refer to them for a complete discussion of risk factors and forward-looking statements. These statements speak only as of the date made and SB Financial undertakes no obligation to update them.

I will now turn the call over to Mr. Klein.

Mark Klein

Chairman, President & CEO

Thank you, Sarah, and good morning, everyone. Welcome to our second quarter 2024 conference call and webcast.

Highlights for this quarter include net income of $3.1 million, up 1.2%. Diluted earnings per share increased to $0.47, a 6.8% increase from $0.44 that we delivered in the prior-year quarter. Net interest income totaled $9.7 million, a decrease of 1.7% from $9.8 million in the second quarter of the prior year.

Total loans increased to $1.01 billion, up over $20 million or 2.1% from the prior-year quarter and higher compared to the linked quarter by nearly $14 million. Return on average assets increased to 0.93%, up 2 basis points, while return on average equity declined slightly to 10.16%, down 16 basis points. Tangible book value per share increased to $15.26, up $1.45 or 11% compared to the prior year, while adjusted tangible book value increased to $20.02. Our mortgage banking revenue increased by 18.8% to $1.8 million this quarter, demonstrating our strong operational performance compared to the same period last year. Mortgage originations for the trailing 12 months were $218 million, delivering a servicing portfolio now of $1.39 billion or an increase of approximately 2.7% from the prior year.

Total interest expense amounted to $6 million, marking a slight decrease of 2% from the linked quarter. Operating expenses for the first six months were also down approximately 1% compared to the prior-year same period.

And finally, asset quality metrics continued to improve. Our strategic path forward remains hinged on our five key initiatives. First, revenue diversity. As I mentioned, our mortgage banking net revenue increased by 18.8% to nearly $2 million from the previous year, demonstrating our initiatives to balance net interest income with fee-based revenue amidst shifting market conditions.

Organic growth for scale. We achieved a 5.6% annualized growth rate in our portfolio this quarter. We have a very strong pipeline in a number of markets with the Columbus team providing the bulk of the expected growth for the second half of 2024.

2

Deepening relationships/more scope. Our deposit base grew by $44 million to $1.12 billion. The Ohio Homebuyer Plus program that I mentioned briefly last quarter has been quite successful. To-date, we have opened nearly 400 accounts with balances in excess of $40 million at a weighted rate well below our margin and the market. We are especially encouraged that over 25% of those accounts are new relationships to our bank.

Excellence in operations. We have developed a stronger bench to ensure durable operational efficiencies. As a result, we’ve experienced a modest 3.2% increase in noninterest expenses compared to the prior-year quarter, delivering a net noninterest expense ratio of negative 1.87% with still a strategic goal of zero.

Asset quality remains robust evidenced by a low non-performing asset ratio of 0.39% of total assets. While this metric has had a minor shift, we remain confident of our diligent approach and continued commitment to prudent portfolio administration. In fact, our classified loans balances declined over 25% compared to the prior-year period.

Now looking just a bit closer at revenue diversity, our mortgage businesses originated over $75 million in volume, an increase of nearly 15% from the $65 million in the prior-year quarter. Mortgage sales reached over $55 million, representing 74% of total originations. While certainly below our capacity, we feel certainly better about the direction of this business line.

Our Indianapolis office has delivered nearly 30% of our total volume thus far this year, and we’re also seeing opportunities to add mortgage originators throughout our entire footprint. As we indicated last quarter, we have solidified the leadership of this business line, which should ensure that opportunities for expansion and product growth remain front of mind.

We’re also excited to confirm that we will be venturing into another dynamic Ohio market, Cincinnati. We have landed a seasoned market leader that will not only produce but will also work to build out a team of local professionals as well. With his background and market presence, we are confident that the residential real estate lending levels will rival those of our other growth markets of Columbus and Indianapolis in fairly short order.

Noninterest income stabilized at $4.4 million, benefiting from gains in mortgage servicing rights and customer service fees.

Our title insurance business and wealth management services, despite market challenges, remain key areas for future growth. We believe the growth trajectory in both divisions will be positively influenced by our holistic approach to client care, which includes coordinated outreach and referrals across all regions and business lines. We are focused on coordinating events with our key community leaders and COIs with the goal of introducing these unique businesses to a much wider population.

On the scale front, deposit growth has accelerated. Again, as I indicated earlier, this quarter we were up by $3.1 million compared to the linked quarter and up 4.1% from the prior year. Deposit costs have slowed as total interest expense declined from the linked quarter for the first time in over two years. We touched on earlier the success of the Homebuyer Plus program and we expect to continue to add clients and expand this portfolio well into the third and fourth quarters.

3

Loan growth is certainly gaining traction. While not up to our historical standards of high single-digit growth on a year-over-year basis, did show growth from the linked quarter, and we are starting to see the positive impact to our pipeline of the calling efforts from the last several years. Over the last 12 months, we have had loan production of $164 million, excluding residential mortgage lending, and right in line with total production from the prior 12 month period. Given our diverse markets, capacity and commitments, growing our loan portfolio remains a top priority as we move through the second half of 2024.

A strong equity foundation is certainly a prerequisite to our growth, and this quarter, we strengthened it. Our equity to asset ratio grew to 9.35%. Our tangible equity to tangible assets ratio increased to 7.2% and our common equity Tier 1 ratio for the bank remains strong at 13.89%.

In terms of deepening existing relationships/more scope, we continue to embrace technology to enhance client engagement. We have further integrated our corporate sales champion and new contact center with more fintech platforms, aiming to deepen our penetration and improve our level of services per household.

Emphasis continues on organic expansion opportunities. Significant resources have been added to our management team in the Greater Columbus market where we anticipate accelerated balance growth in both CRE and C&I arenas. Our optimism comes with an extended team that now includes four local commercial lenders with local support staff and a new professional treasury management specialist to drive funding opportunities at a level below the margin.

We continue to build momentum from previous calling efforts and reap the benefits of the groundwork we laid in the previous quarters to focus on organic growth that includes SBA lending opportunities, both sold and portfolio loans. With the current pipeline of now over $7 million, we are poised to see meaningful contributions to future revenues as we assist small business clients with proper balance sheet structure to optimize cash flow.

Speaking to operational excellence, the mortgage business line remains a key driver for our company. Despite the challenges posed by higher interest rates, our mortgage business continues to perform quite well. In addition to the gain on sale revenue of $1.3 million achieved this quarter, revenue from our servicing portfolio was a healthy $862,000. We sold over 74% of our originated volume and well in line with our tradition levels with gain on sale yields on par with historical averages at 2.3%. This approach of an 80-20 sale to portfolio origination level not only supports our clients’ needs, but also ensures the sustainability of our mortgage operations. The change in the market dynamics is evident in that over 94% of our volume thus far in 2024 has been for purchase or new construction transactions. Refinance volume is certainly a distant memory.

4

Finally, on asset quality, clearly a focus of ours since the Great Recession. In fact, net recoveries were actually positive this quarter and underscores the effectiveness of our risk management strategies. Our proactive internal loan review program continues to play a crucial role in early identification and mitigation of potential client stress, ensuring we address issues well before they escalate. The coverage of our non-performing portfolio remains comprehensive, showcasing not only our commitment to maintaining a healthy loan portfolio, but also building ample reserves as well.

Now, I’d like to turn the call over to our CFO, Tony Cosentino, for some additional comments on our quarterly performance. Tony?

Tony Cosentino

Executive VP & CFO

Thanks, Mark, and good morning, everyone.

For the second quarter of 2024, as Mark indicated, we recorded net income of $3.1 million, with an EPS of $0.47. When we combine that with our first quarter performance, net income for the year is $5.5 million, delivering a full year EPS of $0.82 and slightly higher than the prior year first six months of $0.79.

Total operating revenue experienced a slight downturn, declining by 1% year-over-year, influenced by pressures from the competitive interest rate environment and money market fluctuations. We did recapture mortgage servicing rights revenue this quarter as a slight volatility in rates improved the valuation of our servicing portfolio. At quarter-end, the servicing portfolio was valued at $1.39 billion, up by 2.7%.

On net interest margin, our net interest margin ended the quarter at 3.11% on a tax-equivalent basis, reflecting the asset mix shift and current market conditions. This represents a 12 basis point increase from the linked quarter. With funding costs stabilizing and contractual loan repricing approximately $150 million over the next six to nine months, we anticipate further improvements in asset yields and operating revenue. Cycle to date betas continue to be a net positive with the earning asset beta at 35% and the funding beta at 32%.

The efficiency of our balance sheet has been a focus with an emphasis on maintaining a healthy loan-to-deposit ratio of nearly 92% and cost effective capital management. This strategic focus has allowed us to support anticipated loan growth while maintaining a strong liquidity profile.

Our investment portfolio is calibrated to support projected loan growth and provide a base level of liquidity. We project about $25 million in amortizations annually, which should reduce the portfolio to our strategic goal of 12% sometime in late 2025. The current portfolio’s yield of 2.76% ensures that each dollar amortized will potentially drive interest income higher by a minimum of 300 basis points on the redeployed funds.

5

On expense management, which remains a strategic focus, our noninterest expenses were essentially flat when we adjust for the commission expense related to the 15% increase in mortgage volume. Total expenses for the quarter of $10.7 million remained relatively consistent with the total expenses recorded in the past four quarters, and we remain focused on controlling our expense base.

Now, as we turn to the balance sheet, and specifically on wholesale funding management, our strategic initiatives in loan growth and deposit management have been supported by the effective management of our wholesale funding. Specifically, deposit growth and portfolio pay downs have allowed us to eliminate over $46 million in variable rate average cost FHLB borrowings of 5.5% in the last 12 months. This is evident in our ability to maintain competitive funding costs despite market volatility. The balance sheet reflects stable figures for FHLB advances and subordinated debt as compared to the linked quarter.

Our investment portfolio strategy: We’ve strategically realigned our investment portfolio to enhance liquidity, which is crucial for supporting anticipated loan growth. This approach is visible in the minor adjustments in our available for sale securities ensuring that we diversify asset types to bolster financial stability and prepare for future opportunities.

And on credit losses management, our proactive risk management strategies are highlighted by our steady allowance for credit losses currently at $15.6 million. This consistent level underscores our commitment to financial prudence and our ability to mitigate potential risks effectively.

And finally, capital strength and shareholder value: The strength of our capital structure continues to be robust as evidenced by our shareholders’ equity totaling $125.5 million, which is up nearly 7% compared to the prior year. We further enhanced shareholder value this quarter by continuing to repurchase our shares at average prices below tangible book value.

I’ll now turn the call back over to Mark.

Mark Klein

Chairman, President & CEO

Thank you, Tony.

Overall, it was a very nice quarter for us. We made substantial progress across a number of fronts and saw meaningful contributions from each of our business lines and each of our regions. I’m excited for the opportunities that our new team in Columbus will deliver and I’m optimistic that the Cincinnati market through the efforts of our new leader will deliver results well in line with our experiences from having entered other growing markets -- other metropolitan growing markets like Columbus and Indianapolis.

Now, we’ll open the call up for questions.

6

Question and Answer

Operator

[Operator Instructions] Our first question comes from Brian Martin with Janney Montgomery. Please go ahead.

Brian Martin

Janney Montgomery Scott LLC, Research Division

Hey, good morning, guys.

Tony Cosentino

Executive VP & CFO

Hey, Brian.

Mark Klein

Chairman, President & CEO

Good morning, Brian. Nice to have you with us.

Brian Martin

Janney Montgomery Scott LLC, Research Division

Yes, thanks. So, I joined a minute or two late, Mark, so I may have missed some of your comment on. But I was just wondering, just kind of on your loan growth outlook, I know I think you mentioned maybe being optimistic on that as you kind of look the back half of the year or just into next year, but can you just talk about what your outlook there is? Just kind of what you’re hearing from your customers in terms of demand or opportunities out there?

Mark Klein

Chairman, President & CEO

Sure. It seems like our loan clients have digested higher rates a bit more easily of recent. We continue to find good traction in CRE. C&I, as we all know, is a bit more difficult to find, but we still have a focus on that. But clearly, Brian, with our new leader, new commercial lender in Columbus, as well as support staff and treasury management individual in Columbus, our expectations remain high. We would like to certainly think we can get back to that middle to upper single-digit growth level that we’ve been more used to. Clearly, the funding is available and we have some other opportunities to find and locate additional funding below the margin. So, we’re excited about the growth.

7

And of course, Steve Walz, our Chief Lending Officer, is here as well. And I would ask Steve to opine a little bit on our pipeline and the projected growth. Steve, I think we’re generally aligned and optimistic.

Steve Walz

Executive VP & Chief Lending Officer

No. Certainly, Mark. I would agree with your comments earlier regarding the Columbus market, our expectations going into the second half of the year there in particular with the new leadership. And not to be overlooked and this may also, Brian, be more of an early ’25 play, but I wouldn’t overlook the addition of the dedicated experienced TM professional that we’ve added there. As Mark noted C&I relationships tend to take a little time to cultivate and bring to the fore. So, I do think that’s going to be meaningful.

I thought our balances, frankly, at 6.30% would be a little more robust. We had a few number of meaningful loans not closed by 6.30% that I thought it would, they closed during the first couple of weeks of July. So, we’ve got a good start I think into Q3 and as Mark noted looking good for the second half of the year to meet those expectations we had at the start of the year.

Mark Klein

Chairman, President & CEO

Yeah. Final comment, Brian. The single-digit would be okay, but the 8% that we averaged for seven or eight years almost consistently is certainly more in the CEO’s appetite. So, again, we have a pretty nice pipeline and we seem to be finding some really nice projects that’s all for the taking as we see them today. So, we continue to be pretty optimistic on that front.

Brian Martin

Janney Montgomery Scott LLC, Research Division

Okay. That’s good news. Thanks. And then, how about just on the mortgage, also looks like some positive developments there with the kind of entrance into Cincinnati, but just -- and maybe some potential benefit from rates here. So, just wondering how you’re thinking about the back half of the year in terms of mortgage and then just the contributions that Cincinnati can bring to the table here.

Mark Klein

Chairman, President & CEO

Sure. From a volume perspective, we’re beginning to see a little inertia getting us to that $300 million kind of run rate that would get us back to our once-perceived minimum number of $500 million, which the Cincinnati initiative certainly has a lot of potential. The gentleman has been hired. We found someone who’s well versed in the market, who has a plethora of experience, who’s going to obviously produce as well as find the team. And we’ve enjoyed the opportunities that we’ve had in the Columbus market for now 12, 14 years, Indi for a few years, and of course now Cincinnati. And as we all know, it’s all about people and the team and we’re optimistic about how they’re going to contribute.

8

As Indianapolis has come on, I think we mentioned that they’ve I think contributed about a third of the volume as we speak and we thought going into Indianapolis, they would become another Columbus. And I think our optimism is finding our roots and delivering. And I don’t think anything is different than the Cincinnati market.

As far as the volume, we’re going to be looking for predominantly sold mortgages. We have certainly a pipeline of commercial for our funding. So, sold loans is certainly going to be the focus.

Tony Cosentino

Executive VP & CFO

Yeah, Brian. Our base case as we sit today is a 6.5% to maybe a 6.25% 30-year rate, which probably delivers $130 million to $140 million of volume between now and the end of the year. We feel like if we can get another [0.25% to 0.375%] (ph) of a move down below 6%, I think that adds probably another $35 million to $40 million between now and the end of the year. So -- but we think the 250 basis points range for the full year, the 275 basis points is pretty much the base case, but we’re certainly optimistic that’s going to get better based upon the expectation of rate changes going forward.

Brian Martin

Janney Montgomery Scott LLC, Research Division

Yeah. And then ’25 even maybe a bit more optimistic if those rates come down, Tony, and Cincinnati begins to really gain some momentum?

Tony Cosentino

Executive VP & CFO

Yeah, absolutely, because I think we think the leadership person is probably a $15 million to $20 million a year individual. And if we can get a team like we have in Indianapolis, that’s a $50 million to $60 million at a minimum kind of region.

Mark Klein

Chairman, President & CEO

And I think, Brian, tagging on to that, we certainly see certainly an expansion in the multi-family housing, which hopefully will free up certainly more single-family financing opportunities. So, it seems like the supply is somewhat equaling demand and that in and of itself, not just the rates, but also the inventory increasing will certainly add some fuel to our fire.

9

Brian Martin

Janney Montgomery Scott LLC, Research Division

Got you. Okay. And then I guess also feels like the outlook for margin is optimistic. Tony, you talked about the borrowings going down over the last 12 months and the benefit from the homebuyer program. So, I guess, is the outlook on margin a bit better than expected? Or just kind of how are you thinking about that? If you continue to have this ability to fund it at the lower rates and you’re getting a bit higher yields on the loans, it feels like that trajectory on the margin here, just kind of where do you see the margin heading, given the outlook and then also factoring in kind of the potential for a rate cut or two here maybe in the back half of the year?

Tony Cosentino

Executive VP & CFO

Yeah. I think I’ve been generally pessimistic on margin moving higher. If you’d asked me 90 days ago, I’d say we’d be lucky to get to this level that we’re at in this quarter. I am certainly more optimistic today. The loans we’re looking at, I think the base levels, the kind of 7.25% range that we’re seeing that seems to be the marketplace has kind of accepted that. Despite what maybe I’ve read in a number of earnings releases, we’re not seeing as much deposit competition on rate here than maybe some others are identifying, but we’ll see. And we do think stabilization has pretty much come to our deposit base and contractual repricing is significant, 15% of our portfolio which drives it up 300 basis points at minimum.

So, I am more optimistic. I think we’re going to continue to see positive move in margin every quarter. You’re never going to get back to the 3.75% range, but I do think kind of that mid-3%s is potential as you get into ’25

Mark Klein

Chairman, President & CEO

Well, Brian, just to tag on to that, with the 92% loan-to-deposit ratio, we can be a little bit more selective. We started to see marginally higher-rate deals that we’ve been competitive on. So, I agree with Tony with the repricing that we have coming in the pipeline from -- see what maybe -- how many basis points that we think Tony that we might see on $150 million?

Tony Cosentino

Executive VP & CFO

Yeah. At a minimum, 275 basis points on repricing, because all of that was at kind of high-3%. So, I think that’s generally where it should be.

Mark Klein

Chairman, President & CEO

So, Brian, it’s incremental adds as well as increasing the average with some repricing. So, like every other CEO, I’m a little more optimistic maybe than Tony. We have a good balance, so to speak, on where we see that going, but clearly, we’re encouraged by the slowing of the interest expense on the funding side.

10

Brian Martin

Janney Montgomery Scott LLC, Research Division

Yeah. That was positive in the quarter. And Tony, just that repricing, what was the -- it’s $150 million that reprices, maybe 250 basis points to 300 basis points higher, is that what you said over the next 12 months?

Tony Cosentino

Executive VP & CFO

Yes.

Brian Martin

Janney Montgomery Scott LLC, Research Division

Okay. So, $150 million at 250 basis points to 300 basis points higher coming in there. So, okay. And then, just as far as the credit outlook, it still feels pretty healthy in terms of how you’re thinking about the reserve levels. I guess, is the expectation that maybe you can credit holds that reserve coverage may moderate a bit given the favorable trends you’re still seeing or no real problem credit formation out there?

Mark Klein

Chairman, President & CEO

Yeah, Brian, from a high level, again, we’ve seen a little bit of stress in a couple of relationships, but we’re well secured and pretty optimistic on where those are going to go. But again, Tony and I are kind of good bookends on that. I want $30 million in reserve and Tony is happy with a $15 million, $16 million coverage, but I think we’re pretty optimistic about our portfolio and credit quality and our review process. But Steve Walz can maybe make a few comments relative to the two that maybe have gone classified, Tony, or...

Steve Walz

Executive VP & Chief Lending Officer

Yeah, Brian. We had a little uptick in delinquency here. They weren’t anything we didn’t see coming. As Mark noted, we do have a very robust internal loan review process. So, these were ones we had been watching. We don’t think there’s anything going on in our portfolio. We don’t understand. Our credit standards have not changed over the years meaningfully. So, we remain confident in our credit culture. So, I think in the reviews we have done specifically in relation to our CRE portfolio continues to show the leases are strong and balanced and the principles behind them significant. So, I think we feel pretty good about where we are and I think we know our portfolio well.

11

Mark Klein

Chairman, President & CEO

Thanks, Steve.

Tony Cosentino

Executive VP & CFO

And I think, Brian, I’d just add. We ended the quarter at $155 million reserve to loans. I think loan growth generally is going to move that directionally south. We were certainly extremely comfortable when we were in the $130 million range given our credit risk portfolio and the amount of loan reviews we do. I don’t think we’ll get back there, but I do think we’re headed towards kind of that mid-$140 million range, which would still put us to the high end of our peer group and still provide very solid coverage.

Brian Martin

Janney Montgomery Scott LLC, Research Division

Yeah, certainly better than peer at that level. And just the couple of credits that Steve talked about, really if they were credits you already knew about, I guess the expectation there seems like it’s just a timing issue as you get those resolved and not really any significant loss content is what it sounds like. Is that fair?

Steve Walz

Executive VP & Chief Lending Officer

That is a fair statement, Brian. Those are generally well-secured loans or supported by SBA guarantees. As you know, the challenge unfortunately is any problem takes time and effort to resolve in that arena, but we don’t expect any loss concerns there.

Brian Martin

Janney Montgomery Scott LLC, Research Division

Yeah. Okay. All right. That’s all I had guys. A lot of encouraging things there, so I appreciate it.

Mark Klein

Chairman, President & CEO

Thanks, Brian.

12

Tony Cosentino

Executive VP & CFO

Thanks, Brian.

Operator

[Operator Instructions] Seeing no further questions, I will now turn the call back to Mark Klein.

Mark Klein

Chairman, President & CEO

Thank you. Once again, thanks for joining us. I look forward to speaking with you in October for our third quarter 2024 results. Thanks for joining. Goodbye.

Operator

The conference has now concluded. Thank you for attending today’s presentation. You may now disconnect.

13

EX-101.SCH 3 sbfg-20240719.xsd XBRL SCHEMA FILE 00000001 - Document - Cover link:presentationLink link:calculationLink link:definitionLink EX-101.LAB 4 sbfg-20240719_lab.xml XBRL LABEL FILE Cover [Abstract] Document Type Amendment Flag Amendment Description Document Registration Statement Document Annual Report Document Quarterly Report Document Transition Report Document Shell Company Report Document Shell Company Event Date Document Period Start Date Document Period End Date Document Fiscal Period Focus Document Fiscal Year Focus Current Fiscal Year End Date Entity File Number Entity Registrant Name Entity Central Index Key Entity Primary SIC Number Entity Tax Identification Number Entity Incorporation, State or Country Code Entity Address, Address Line One Entity Address, Address Line Two Entity Address, Address Line Three Entity Address, City or Town Entity Address, State or Province Entity Address, Country Entity Address, Postal Zip Code Country Region City Area Code Local Phone Number Extension Written Communications Soliciting Material Pre-commencement Tender Offer Pre-commencement Issuer Tender Offer Title of 12(b) Security No Trading Symbol Flag Trading Symbol Security Exchange Name Title of 12(g) Security Security Reporting Obligation Annual Information Form Audited Annual Financial Statements Entity Well-known Seasoned Issuer Entity Voluntary Filers Entity Current Reporting Status Entity Interactive Data Current Entity Filer Category Entity Small Business Entity Emerging Growth Company Elected Not To Use the Extended Transition Period Document Accounting Standard Other Reporting Standard Item Number Entity Shell Company Entity Public Float Entity Bankruptcy Proceedings, Reporting Current Entity Common Stock, Shares Outstanding Documents Incorporated by Reference [Text Block] EX-101.PRE 5 sbfg-20240719_pre.xml XBRL PRESENTATION FILE XML 7 R1.htm IDEA: XBRL DOCUMENT

Cover	Jul. 19, 2024
Cover [Abstract]
Document Type	8-K
Amendment Flag	false
Document Period End Date	Jul. 19, 2024
Entity File Number	001-36785
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 6,737,465 Outstanding at July 23, 2024
Trading Symbol	SBFG
Security Exchange Name	NASDAQ
Entity Emerging Growth Company	false

EXCEL 8 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 9 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 10 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 12 FilingSummary.xml IDEA: XBRL DOCUMENT 3.24.2 html 1 22 1 false 0 0 false 3 false false R1.htm 00000001 - Document - Cover Sheet http://ir.yourstatebank.com/role/Cover Cover Cover 1 false false All Reports Book All Reports ea0209871-8k_sbfin.htm sbfg-20240719.xsd sbfg-20240719_lab.xml sbfg-20240719_pre.xml http://xbrl.sec.gov/dei/2024 true false JSON 14 MetaLinks.json IDEA: XBRL DOCUMENT { "version": "2.2", "instance": { "ea0209871-8k_sbfin.htm": { "nsprefix": "SBFG", "nsuri": "http://ir.yourstatebank.com/20240719", "dts": { "inline": { "local": [ "ea0209871-8k_sbfin.htm" ] }, "schema": { "local": [ "sbfg-20240719.xsd" ], "remote": [ "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "http://www.xbrl.org/2006/ref-2006-02-27.xsd", "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd", "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd", "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd", "https://www.xbrl.org/dtr/type/2022-03-31/types.xsd", "https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd", "https://xbrl.fasb.org/srt/2024/elts/srt-roles-2024.xsd", "https://xbrl.fasb.org/srt/2024/elts/srt-types-2024.xsd", "https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd", "https://xbrl.fasb.org/us-gaap/2024/elts/us-roles-2024.xsd", "https://xbrl.fasb.org/us-gaap/2024/elts/us-types-2024.xsd", "https://xbrl.sec.gov/country/2024/country-2024.xsd", "https://xbrl.sec.gov/dei/2024/dei-2024.xsd", "https://xbrl.sec.gov/stpr/2024/stpr-2024.xsd" ] }, "labelLink": { "local": [ "sbfg-20240719_lab.xml" ] }, "presentationLink": { "local": [ "sbfg-20240719_pre.xml" ] } }, "keyStandard": 22, "keyCustom": 0, "axisStandard": 0, "axisCustom": 0, "memberStandard": 0, "memberCustom": 0, "hidden": { "total": 2, "http://xbrl.sec.gov/dei/2024": 2 }, "contextCount": 1, "entityCount": 1, "segmentCount": 0, "elementCount": 59, "unitCount": 3, "baseTaxonomies": { "http://xbrl.sec.gov/dei/2024": 22 }, "report": { "R1": { "role": "http://ir.yourstatebank.com/role/Cover", "longName": "00000001 - Document - Cover", "shortName": "Cover", "isDefault": "true", "groupType": "document", "subGroupType": "", "menuCat": "Cover", "order": "1", "firstAnchor": { "contextRef": "AsOf2024-07-19", "name": "dei:DocumentType", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "span", "b", "p", "body", "html" ], "reportCount": 1, "baseRef": "ea0209871-8k_sbfin.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "AsOf2024-07-19", "name": "dei:DocumentType", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "span", "b", "p", "body", "html" ], "reportCount": 1, "baseRef": "ea0209871-8k_sbfin.htm", "first": true, "unique": true } } }, "tag": { "dei_AmendmentDescription": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "AmendmentDescription", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Amendment Description", "documentation": "Description of changes contained within amended document." } } }, "auth_ref": [] }, "dei_AmendmentFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "AmendmentFlag", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Amendment Flag", "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission." } } }, "auth_ref": [] }, "dei_AnnualInformationForm": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "AnnualInformationForm", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Annual Information Form", "documentation": "Boolean flag with value true on a form if it is an annual report containing an annual information form." } } }, "auth_ref": [ "r14" ] }, "dei_AuditedAnnualFinancialStatements": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "AuditedAnnualFinancialStatements", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Audited Annual Financial Statements", "documentation": "Boolean flag with value true on a form if it is an annual report containing audited financial statements." } } }, "auth_ref": [ "r14" ] }, "dei_CityAreaCode": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "CityAreaCode", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "City Area Code", "documentation": "Area code of city" } } }, "auth_ref": [] }, "dei_CountryRegion": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "CountryRegion", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Country Region", "documentation": "Region code of country" } } }, "auth_ref": [] }, "dei_CoverAbstract": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "CoverAbstract", "lang": { "en-us": { "role": { "label": "Cover [Abstract]", "documentation": "Cover page." } } }, "auth_ref": [] }, "dei_CurrentFiscalYearEndDate": { "xbrltype": "gMonthDayItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "CurrentFiscalYearEndDate", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Current Fiscal Year End Date", "documentation": "End date of current fiscal year in the format --MM-DD." } } }, "auth_ref": [] }, "dei_DocumentAccountingStandard": { "xbrltype": "accountingStandardItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentAccountingStandard", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Accounting Standard", "documentation": "The basis of accounting the registrant has used to prepare the financial statements included in this filing This can either be 'U.S. GAAP', 'International Financial Reporting Standards', or 'Other'." } } }, "auth_ref": [ "r13" ] }, "dei_DocumentAnnualReport": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentAnnualReport", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Annual Report", "documentation": "Boolean flag that is true only for a form used as an annual report." } } }, "auth_ref": [ "r11", "r13", "r14" ] }, "dei_DocumentFiscalPeriodFocus": { "xbrltype": "fiscalPeriodItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentFiscalPeriodFocus", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Fiscal Period Focus", "documentation": "Fiscal period values are FY, Q1, Q2, and Q3. 1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY." } } }, "auth_ref": [] }, "dei_DocumentFiscalYearFocus": { "xbrltype": "gYearItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentFiscalYearFocus", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Fiscal Year Focus", "documentation": "This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006." } } }, "auth_ref": [] }, "dei_DocumentPeriodEndDate": { "xbrltype": "dateItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentPeriodEndDate", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Period End Date", "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD." } } }, "auth_ref": [] }, "dei_DocumentPeriodStartDate": { "xbrltype": "dateItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentPeriodStartDate", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Period Start Date", "documentation": "The start date of the period covered in the document, in YYYY-MM-DD format." } } }, "auth_ref": [] }, "dei_DocumentQuarterlyReport": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentQuarterlyReport", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Quarterly Report", "documentation": "Boolean flag that is true only for a form used as an quarterly report." } } }, "auth_ref": [ "r12" ] }, "dei_DocumentRegistrationStatement": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentRegistrationStatement", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Registration Statement", "documentation": "Boolean flag that is true only for a form used as a registration statement." } } }, "auth_ref": [ "r0" ] }, "dei_DocumentShellCompanyEventDate": { "xbrltype": "dateItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentShellCompanyEventDate", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Shell Company Event Date", "documentation": "Date of event requiring a shell company report." } } }, "auth_ref": [ "r13" ] }, "dei_DocumentShellCompanyReport": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentShellCompanyReport", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Shell Company Report", "documentation": "Boolean flag that is true for a Shell Company Report pursuant to section 13 or 15(d) of the Exchange Act." } } }, "auth_ref": [ "r13" ] }, "dei_DocumentTransitionReport": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentTransitionReport", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Transition Report", "documentation": "Boolean flag that is true only for a form used as a transition report." } } }, "auth_ref": [ "r15" ] }, "dei_DocumentType": { "xbrltype": "submissionTypeItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentType", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Document Type", "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'." } } }, "auth_ref": [] }, "dei_DocumentsIncorporatedByReferenceTextBlock": { "xbrltype": "textBlockItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "DocumentsIncorporatedByReferenceTextBlock", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Documents Incorporated by Reference [Text Block]", "documentation": "Documents incorporated by reference." } } }, "auth_ref": [ "r3" ] }, "dei_EntityAddressAddressLine1": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityAddressAddressLine1", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Address, Address Line One", "documentation": "Address Line 1 such as Attn, Building Name, Street Name" } } }, "auth_ref": [] }, "dei_EntityAddressAddressLine2": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityAddressAddressLine2", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Address, Address Line Two", "documentation": "Address Line 2 such as Street or Suite number" } } }, "auth_ref": [] }, "dei_EntityAddressAddressLine3": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityAddressAddressLine3", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Address, Address Line Three", "documentation": "Address Line 3 such as an Office Park" } } }, "auth_ref": [] }, "dei_EntityAddressCityOrTown": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityAddressCityOrTown", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Address, City or Town", "documentation": "Name of the City or Town" } } }, "auth_ref": [] }, "dei_EntityAddressCountry": { "xbrltype": "countryCodeItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityAddressCountry", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Address, Country", "documentation": "ISO 3166-1 alpha-2 country code." } } }, "auth_ref": [] }, "dei_EntityAddressPostalZipCode": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityAddressPostalZipCode", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Address, Postal Zip Code", "documentation": "Code for the postal or zip code" } } }, "auth_ref": [] }, "dei_EntityAddressStateOrProvince": { "xbrltype": "stateOrProvinceItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityAddressStateOrProvince", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Address, State or Province", "documentation": "Name of the state or province." } } }, "auth_ref": [] }, "dei_EntityBankruptcyProceedingsReportingCurrent": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityBankruptcyProceedingsReportingCurrent", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Bankruptcy Proceedings, Reporting Current", "documentation": "For registrants involved in bankruptcy proceedings during the preceding five years, the value Yes indicates that the registrant has filed all documents and reports required to be filed by Section 12, 13 or 15(d) of the Securities Exchange Act of 1934 subsequent to the distribution of securities under a plan confirmed by a court; the value No indicates the registrant has not. Registrants not involved in bankruptcy proceedings during the preceding five years should not report this element." } } }, "auth_ref": [ "r6" ] }, "dei_EntityCentralIndexKey": { "xbrltype": "centralIndexKeyItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityCentralIndexKey", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Central Index Key", "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK." } } }, "auth_ref": [ "r2" ] }, "dei_EntityCommonStockSharesOutstanding": { "xbrltype": "sharesItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityCommonStockSharesOutstanding", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Common Stock, Shares Outstanding", "documentation": "Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument." } } }, "auth_ref": [] }, "dei_EntityCurrentReportingStatus": { "xbrltype": "yesNoItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityCurrentReportingStatus", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Current Reporting Status", "documentation": "Indicate 'Yes' or 'No' whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure." } } }, "auth_ref": [] }, "dei_EntityEmergingGrowthCompany": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityEmergingGrowthCompany", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Emerging Growth Company", "documentation": "Indicate if registrant meets the emerging growth company criteria." } } }, "auth_ref": [ "r2" ] }, "dei_EntityExTransitionPeriod": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityExTransitionPeriod", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Elected Not To Use the Extended Transition Period", "documentation": "Indicate if an emerging growth company has elected not to use the extended transition period for complying with any new or revised financial accounting standards." } } }, "auth_ref": [ "r19" ] }, "dei_EntityFileNumber": { "xbrltype": "fileNumberItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityFileNumber", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity File Number", "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen." } } }, "auth_ref": [] }, "dei_EntityFilerCategory": { "xbrltype": "filerCategoryItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityFilerCategory", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Filer Category", "documentation": "Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure." } } }, "auth_ref": [ "r2" ] }, "dei_EntityIncorporationStateCountryCode": { "xbrltype": "edgarStateCountryItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityIncorporationStateCountryCode", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Incorporation, State or Country Code", "documentation": "Two-character EDGAR code representing the state or country of incorporation." } } }, "auth_ref": [] }, "dei_EntityInteractiveDataCurrent": { "xbrltype": "yesNoItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityInteractiveDataCurrent", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Interactive Data Current", "documentation": "Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files)." } } }, "auth_ref": [ "r16" ] }, "dei_EntityPrimarySicNumber": { "xbrltype": "sicNumberItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityPrimarySicNumber", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Primary SIC Number", "documentation": "Primary Standard Industrial Classification (SIC) Number for the Entity." } } }, "auth_ref": [ "r14" ] }, "dei_EntityPublicFloat": { "xbrltype": "monetaryItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityPublicFloat", "crdr": "credit", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Public Float", "documentation": "The aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter." } } }, "auth_ref": [] }, "dei_EntityRegistrantName": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityRegistrantName", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Registrant Name", "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC." } } }, "auth_ref": [ "r2" ] }, "dei_EntityShellCompany": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityShellCompany", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Shell Company", "documentation": "Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act." } } }, "auth_ref": [ "r2" ] }, "dei_EntitySmallBusiness": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntitySmallBusiness", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Small Business", "documentation": "Indicates that the company is a Smaller Reporting Company (SRC)." } } }, "auth_ref": [ "r2" ] }, "dei_EntityTaxIdentificationNumber": { "xbrltype": "employerIdItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityTaxIdentificationNumber", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Tax Identification Number", "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS." } } }, "auth_ref": [ "r2" ] }, "dei_EntityVoluntaryFilers": { "xbrltype": "yesNoItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityVoluntaryFilers", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Voluntary Filers", "documentation": "Indicate 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act." } } }, "auth_ref": [] }, "dei_EntityWellKnownSeasonedIssuer": { "xbrltype": "yesNoItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "EntityWellKnownSeasonedIssuer", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Entity Well-known Seasoned Issuer", "documentation": "Indicate 'Yes' or 'No' if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A." } } }, "auth_ref": [ "r17" ] }, "dei_Extension": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "Extension", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Extension", "documentation": "Extension number for local phone number." } } }, "auth_ref": [] }, "dei_LocalPhoneNumber": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "LocalPhoneNumber", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Local Phone Number", "documentation": "Local phone number for entity." } } }, "auth_ref": [] }, "dei_NoTradingSymbolFlag": { "xbrltype": "trueItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "NoTradingSymbolFlag", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "No Trading Symbol Flag", "documentation": "Boolean flag that is true only for a security having no trading symbol." } } }, "auth_ref": [] }, "dei_OtherReportingStandardItemNumber": { "xbrltype": "otherReportingStandardItemNumberItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "OtherReportingStandardItemNumber", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Other Reporting Standard Item Number", "documentation": "\"Item 17\" or \"Item 18\" specified when the basis of accounting is neither US GAAP nor IFRS." } } }, "auth_ref": [ "r13" ] }, "dei_PreCommencementIssuerTenderOffer": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "PreCommencementIssuerTenderOffer", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Pre-commencement Issuer Tender Offer", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act." } } }, "auth_ref": [ "r7" ] }, "dei_PreCommencementTenderOffer": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "PreCommencementTenderOffer", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Pre-commencement Tender Offer", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act." } } }, "auth_ref": [ "r9" ] }, "dei_Security12bTitle": { "xbrltype": "securityTitleItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "Security12bTitle", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Title of 12(b) Security", "documentation": "Title of a 12(b) registered security." } } }, "auth_ref": [ "r1" ] }, "dei_Security12gTitle": { "xbrltype": "securityTitleItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "Security12gTitle", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Title of 12(g) Security", "documentation": "Title of a 12(g) registered security." } } }, "auth_ref": [ "r5" ] }, "dei_SecurityExchangeName": { "xbrltype": "edgarExchangeCodeItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "SecurityExchangeName", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Security Exchange Name", "documentation": "Name of the Exchange on which a security is registered." } } }, "auth_ref": [ "r4" ] }, "dei_SecurityReportingObligation": { "xbrltype": "securityReportingObligationItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "SecurityReportingObligation", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Security Reporting Obligation", "documentation": "15(d), indicating whether the security has a reporting obligation under that section of the Exchange Act." } } }, "auth_ref": [ "r10" ] }, "dei_SolicitingMaterial": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "SolicitingMaterial", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Soliciting Material", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act." } } }, "auth_ref": [ "r8" ] }, "dei_TradingSymbol": { "xbrltype": "tradingSymbolItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "TradingSymbol", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Trading Symbol", "documentation": "Trading symbol of an instrument as listed on an exchange." } } }, "auth_ref": [] }, "dei_WrittenCommunications": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2024", "localname": "WrittenCommunications", "presentation": [ "http://ir.yourstatebank.com/role/Cover" ], "lang": { "en-us": { "role": { "label": "Written Communications", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act." } } }, "auth_ref": [ "r18" ] } } } }, "std_ref": { "r0": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12" }, "r1": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "b" }, "r2": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "b-2" }, "r3": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "b-23" }, "r4": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "d1-1" }, "r5": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "g" }, "r6": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12, 13, 15d" }, "r7": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "13e", "Subsection": "4c" }, "r8": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "14a", "Subsection": "12" }, "r9": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "14d", "Subsection": "2b" }, "r10": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "15", "Subsection": "d" }, "r11": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 10-K", "Number": "249", "Section": "310" }, "r12": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 10-Q", "Number": "240", "Section": "308", "Subsection": "a" }, "r13": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 20-F", "Number": "249", "Section": "220", "Subsection": "f" }, "r14": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Form 40-F", "Number": "249", "Section": "240", "Subsection": "f" }, "r15": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Forms 10-K, 10-Q, 20-F", "Number": "240", "Section": "13", "Subsection": "a-1" }, "r16": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Regulation S-T", "Number": "232", "Section": "405" }, "r17": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Securities Act", "Number": "230", "Section": "405" }, "r18": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Securities Act", "Number": "230", "Section": "425" }, "r19": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Securities Act", "Number": "7A", "Section": "B", "Subsection": "2" } } } ZIP 15 0001213900-24-063438-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001213900-24-063438-xbrl.zip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ea0209871-8k_sbfin_htm.xml IDEA: XBRL DOCUMENT 0000767405 2024-07-19 2024-07-19 iso4217:USD shares iso4217:USD shares false 0000767405 8-K 2024-07-19 SB FINANCIAL GROUP, INC OH 001-36785 34-1395608 401 Clinton Street Defiance OH 43512 419 783-8950 false false false false false Common Shares, No Par Value 6,737,465 Outstanding at July 23, 2024 SBFG NASDAQ