Core Insights - SB Financial Group, Inc. reported a net income of $3.9 million for Q4 2025, marking a 7.8% increase year-over-year, with diluted earnings per share (DEPS) of $0.63, up 14.5% from the previous year [5][6][19] - The company achieved a total operating revenue of $16.4 million in Q4 2025, a 6.3% increase compared to Q4 2024, driven by higher net interest income [6][19] - For the full year 2025, net income reached $14.0 million, a 21.8% increase from $11.5 million in 2024, with adjusted DEPS of $2.31, up 35.1% [5][6][19] Financial Performance - Operating revenue for the twelve months ended December 31, 2025, was $65.6 million, a 15.1% increase from $56.9 million in 2024 [3] - Net interest income for Q4 2025 was $12.7 million, a 16.7% increase from $10.9 million in Q4 2024, driven by strong loan growth and rising loan yields [4][6] - Total loans increased by $133.9 million, or 12.8%, year-over-year, reaching $1.18 billion [12][16] Asset and Deposit Growth - Total deposits grew to $1.31 billion, an increase of $154.6 million, or 13.4%, year-over-year, supported by stable core deposit relationships [4][13] - The company reported a loan-to-deposit ratio of 90.3% and a loan-to-asset ratio of 76% as of December 31, 2025 [12] Noninterest Income and Expenses - Noninterest income for Q4 2025 totaled $3.7 million, a decrease of 18.6% from the prior year, primarily due to lower mortgage loan servicing fees [9][10] - Noninterest expense increased by 2.1% to $11.2 million, driven by higher occupancy costs and state taxes, while the efficiency ratio improved to 68.1% [11][19] Asset Quality - Nonperforming assets totaled $4.7 million, representing 0.30% of total assets, a decrease from 0.40% in the prior year [19][20] - The allowance for credit losses was 1.36% of total loans, providing coverage of 351.9% of nonperforming loans, indicating strong credit risk management [20][21]

Core Viewpoint - SB Financial Group, Inc. is set to release its fourth quarter and full year 2025 financial results on January 29, 2026, with a conference call scheduled for January 30, 2026 [1] Company Overview - SB Financial Group is a diversified financial services holding company based in Defiance, Ohio, operating through State Bank & Trust Company and SBFG Title, LLC [3] - The company offers a comprehensive range of financial services including community banking, mortgage banking, wealth management, private client services, and title insurance [3] - State Bank operates 27 offices across 11 Ohio counties and Northeast Indiana, along with 27 ATMs and four loan production offices [3] - SB Financial's common stock is traded on the NASDAQ Capital Market under the ticker symbol "SBFG" [3] Conference Call Details - Interested parties can access the conference call by dialing 888-338-9469 and requesting the "SB Financial Group Conference Call" [2] - The conference call will also be available via live webcast at ir.yourstatebank.com, with an audio replay accessible on the company's website [2] Investor Contact Information - Mark A. Klein serves as Chairman, President, and CEO, and can be reached at 419-783-8920 [4] - Anthony V. Cosentino is the Executive Vice President and CFO, available at 419-785-3663 [4]

Core Viewpoint - SB Financial Group, Inc. is set to release its third quarter 2025 financial results on October 30, 2025, with a conference call scheduled for October 31, 2025 [1] Company Overview - SB Financial Group is a diversified financial services holding company based in Defiance, Ohio, operating through the State Bank & Trust Company and SBFG Title, LLC [3] - The State Bank offers a comprehensive range of financial services, including wealth management, mortgage banking, and commercial lending, with 26 offices across Ohio and Indiana [3] - SB Financial's common stock is traded on the NASDAQ Capital Market under the ticker symbol "SBFG" [3] Conference Call Details - Interested parties can join the conference call by dialing 888-338-9469 or accessing it via a live webcast [2] - An audio replay of the conference call will be available on the SB Financial Group website [2] Investor Contact Information - Key contacts for investors include Mark A. Klein, Chairman, President, and CEO, and Anthony V. Cosentino, Executive Vice President and CFO [4]

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]