SB FINANCIAL GROUP, INC. (SBFG) Form 8-K — Oct 23, 2026
SB Financial Group (NASDAQ: SBFG) reported Q3 2026 net income of $3.9 million, or $0.63 per diluted share, a slight decline from $4.0 million and $0.64 in the prior-year quarter. The underlying trend is stronger: nine-month net income rose 26.7% to $12.7 million on 9.4% net interest income growth, and total loans hit $1.22 billion, marking the tenth consecutive quarter of loan expansion. Deposits grew 9.5% year-over-year to $1.38 billion. The soft spot was expenses: noninterest expense jumped 14.4% to $13.2 million, pushing the efficiency ratio to 72.46% from 69.00% a year ago.
Key figures
- Eps
- 0.63
- Revenue
- 18075000
- Net Income
- 3946000
- Revenue Yoy
- 9.0%
- Total Assets
- 1614491000
- Cash Position
- 102427000
- Shares Outstanding
- 6196000
- Q3 2025 eps
- 0.64
- Total loans
- 1218789000
- Nine month eps
- 2.04
- Total deposits
- 1382864000
- Loan growth yoy
- 9.7%
- Efficiency ratio
- 72.46%
- Deposit growth yoy
- 9.5%
- Q3 2025 net income
- 4046000
- Shares repurchased
- approximately 6,700
- Net interest margin
- 3.50%
- Nine month net income
- 12739000
- Allowance coverage of npls
- 508.9%
- Nonperforming assets ratio
- 0.27%
- Tangible book value per share
- 18.65
- Consecutive profitable quarters
- 63
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