Core Viewpoint - SB Financial Group, Inc. reported strong financial results for the second quarter of 2025, highlighting significant growth in net income, operating revenue, and loan balances, driven by strategic acquisitions and effective operational management [1][4][5]. Financial Performance - Operating revenue for Q2 2025 was $17.2 million, a 22.3% increase from $14.0 million in Q2 2024 [4][7]. - Net interest income rose to $12.1 million, reflecting a 25.6% year-over-year increase, attributed to strong loan growth and stabilized funding costs [4][5][7]. - Net income for the quarter was $3.9 million, up 23.7% from $3.1 million in the prior year, with diluted earnings per share (DEPS) increasing to $0.60, a 27.7% rise [4][5][7]. Loan and Deposit Growth - Total loans increased by $89.3 million, or 8.9%, year-over-year, with a sequential growth of $6.4 million from the previous quarter [5][14][18]. - Deposits grew by $134.6 million, or 12.1%, year-over-year, reaching $1.25 billion, bolstered by the Marblehead acquisition [5][15][19]. Noninterest Income and Expenses - Noninterest income for Q2 2025 was $5.0 million, a 15.1% increase from the prior year, driven by gains on mortgage loans and title insurance [10][11]. - Noninterest expenses rose to $11.9 million, an 11.1% increase from the previous year, primarily due to higher salary and benefit costs [12][13]. Asset Quality - Nonperforming assets totaled $6.2 million, representing 0.42% of total assets, an increase from 0.39% in the prior year [21][22]. - The allowance for credit losses was 1.43% of total loans, providing 265% coverage of nonperforming loans, indicating a conservative risk management approach [22][23]. Balance Sheet Highlights - As of June 30, 2025, total assets were $1.49 billion, with a robust loan portfolio of $1.09 billion, marking an 8.9% year-over-year increase [14][15]. - Shareholders' equity increased to $133.6 million, reflecting a commitment to enhancing shareholder value through solid earnings performance [15][30]. Strategic Outlook - The company aims to leverage its balance sheet strength and strategic resource management to support long-term growth ambitions, even amid uncertain economic conditions [17].

Core Points - SB Financial Group, Inc. is set to release its first quarter 2025 financial results on May 1, 2025, after market close [1] - A conference call and webcast will follow on May 2, 2025, at 11:00 a.m. EDT [1] Company Overview - SB Financial Group is headquartered in Defiance, Ohio, and operates as a diversified financial services holding company [3] - The company includes The State Bank and Trust Company and SBFG Title, LLC, providing a range of services such as wealth management, mortgage banking, and commercial lending [3] - State Bank operates 26 offices across Ohio and Indiana, along with six loan production offices in the Tri-State region [3] - SB Financial Group's common stock is listed on NASDAQ under the ticker symbol "SBFG" [3] Investor Contact Information - Mark A. Klein serves as Chairman, President, and CEO, reachable at 419-783-8920 [4] - Anthony V. Cosentino is the Executive Vice President and CFO, available at 419-785-3663 [4]