0001213900-23-005639.txt : 20230127 0001213900-23-005639.hdr.sgml : 20230127 20230127154242 ACCESSION NUMBER: 0001213900-23-005639 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20230126 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230127 DATE AS OF CHANGE: 20230127 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: 23562501 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 ea172308-8k_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) January 27, 2023 (January 26, 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 6,985,951 Outstanding at January 27, 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 January 26, 2023, SB Financial Group, Inc. (the “Company”) issued a news release reporting financial results for the fourth quarter 2022. A copy of the January 26, 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 January 26, 2023, reporting financial results for the fourth quarter 2022.
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: January 27, 2023	By:	/s/ Anthony V. Cosentino
		Anthony V. Cosentino
		Chief Financial Officer

2

INDEX TO EXHIBITS

Current Report on Form 8-K

Dated January 27, 2023

SB Financial Group, Inc.

Exhibit No.		Description
99.1		News release issued by SB Financial Group, Inc. on January 26, 2023, reporting financial results for the fourth quarter 2022.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

3

EX-99.1 2 ea172308ex99-1_sbfinancial.htm NEWS RELEASE ISSUED BY SB FINANCIAL GROUP, INC. ON JANUARY 26, 2023, REPORTING FINANCIAL RESULTS FOR THE FOURTH QUARTER 2022

Exhibit 99.1

SB Financial Group Announces Fourth Quarter 2022 Results

DEFIANCE, OH, January 26, 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 fourth quarter and twelve months ended December 31, 2022.

Fourth quarter 2022 highlights:

●

Net income of $3.5 million increased six percent compared to the prior year with diluted earnings per share (“EPS”) of $0.50

●

Noninterest expense of $10.3 million declined 11.2 percent from the prior year

●

Loan growth of $36.8 million from the linked quarter, or 15.9 percent annualized

●

Solid asset quality with nonperforming assets at 38 basis points

Twelve months ended December 31, 2022, highlights over the prior-year include:

●

Net income of $12.5 million and diluted EPS of $1.77, compared to $18.3 million, or $2.56 per share or a 30.9 percent decrease

●

Loans, increased $141.4 million, or 17.2 percent from the prior year, excluding Paycheck Protection Program (“PPP”) loans,

●

Deposits decreased by $26.4 million, or 2.4 percent to $1.09 billion

●

Mortgage origination volume of $312.6 million and a servicing portfolio of $1.35 billion

●

Net recoveries on loans for the year of $13,000

Highlights		Three Months Ended												Twelve Months Ended
($ in thousands, except per share & ratios)		Dec. 2022				Dec. 2021				% Change				Dec. 2022				Dec. 2021				% Change
Operating revenue		$	14,613			$	15,667				-6.7	%		$	57,630			$	68,581				-16.0	%
Interest income			12,937				10,003				29.3	%			44,569				41,904				6.4	%
Interest expense			2,037				925				120.2	%			5,170				4,020				28.6	%
Net interest income			10,900				9,078				20.1	%			39,399				37,884				4.0	%
Provision for loan losses			-				-				0.0	%			-				1,050				-100.0	%
Noninterest income			3,713				6,589				-43.6	%			18,231				30,697				-40.6	%
Noninterest expense			10,269				11,567				-11.2	%			42,314				44,808				-5.6	%
Net income			3,533				3,332				6.0	%			12,521				18,277				-31.5	%
Earnings per diluted share			0.50				0.49				2.0	%			1.77				2.56				-30.9	%
Return on average assets			1.08	%			0.99	%			9.1	%			0.95	%			1.38	%			-31.2	%
Return on average equity			12.17	%			9.21	%			32.1	%			9.86	%			12.67	%			-22.2	%

“In the fourth quarter of 2022 loan growth was strong with balances growing $37 million, or 4.0 percent from the third quarter of 2022” said Mark A. Klein, Chairman, President, and CEO of SB Financial. “And when we compare our growth to the prior year, organic loan growth was up $139.4 million or 16.9 percent. We continued to realize margin expansion as the pace of rate increases of our asset sensitive balance sheet provided greater expansion of interest income than the increased cost of funding, even as deposits repriced.”

RESULTS OF OPERATIONS

Consolidated Revenue

Total operating revenue, consisting of net interest income and noninterest income, was up 1.0% from the linked quarter but down 6.7 percent from the fourth quarter of 2021. Operating revenue was negatively impacted by the decline in mortgage banking revenue.

●

Net interest income was up 4.5 percent from the linked quarter and up 20.1 percent from the year ago quarter.

●

Net interest margin on a fully taxable equivalent basis (FTE) was up from both the linked and year-ago quarters by 15 and 72 basis points, respectively, primarily from the shift in mix of our balance sheet with cash and securities reallocated to the loan portfolio. Net of PPP, net interest margin was higher by 86 basis points compared to the prior year.

●

Noninterest income was down 8 percent from the linked quarter and 44 percent from the year ago quarter, respectively, due to lower mortgage volume and OMSR recapture.

Mortgage Loan Business

Mortgage loan originations for the fourth quarter of 2022 were $51.2 million, down $75.4 million, or 59.6 percent, from the year-ago quarter; likewise, total sales of originated loans were $23.6 million, down $87.0 million, or 78.7 percent. For the full year of 2022, SB Financial had total volume of $312.6 million, of which $250.2 million (80 percent) was new purchase/construction lending, $41.0 million was external refinance (13 percent), and the remaining $21.4 million (7 percent) was internal refinance.

Net mortgage banking revenue, consisting of gains on the sale of mortgage loans and net loan servicing fees, was $1.2 million for the fourth quarter of 2022, compared to $3.8 million for the year-ago quarter. The mortgage servicing valuation adjustment for the fourth quarter of 2022 was a positive $0.1 million, compared to a positive adjustment of $0.6 million for the fourth quarter of 2021. For all of 2022, the recapture of servicing rights was $1.3 million compared to a recapture of $3.4 million for the prior year. The aggregate servicing valuation impairment was $0.2 million at the end of the fourth quarter of 2022. The servicing portfolio at December 31, 2022, was $1.35 billion, which was flat to the prior year.

Mr. Klein noted, “Refinance activity for 2022 declined significantly to just 20 percent compared to 49 percent in the prior year. Our continued success in this key business line will hinge not only on the overall rate environment but our ability to attract high-producers in our expansion markets as well.”

Mortgage Banking
($ in thousands)		Dec. 2022				Sep. 2022				Jun. 2022				Mar. 2022				Dec. 2021				Annual Growth
Mortgage originations		$	51,219			$	68,557			$	95,454			$	97,394			$	126,611			$	(75,392	)
Mortgage sales			23,590				39,176				49,915				72,154				110,543				(86,953	)
Mortgage servicing portfolio			1,352,016				1,362,666				1,369,732				1,375,554				1,362,962				(10,946	)
Mortgage servicing rights			13,503				13,473				13,408				13,135				12,034				1,469

Mortgage servicing revenue
Loan servicing fees			851				858				863				861				850				1
OMSR amortization			(310	)			(396	)			(496	)			(547	)			(807	)			497
Net administrative fees			541				462				367				314				43				498
OMSR valuation adjustment			86				65				239				890				581				(495	)
Net loan servicing fees			627				527				606				1,204				624				3
Gain on sale of mortgages			550				876				1,196				1,676				3,194				(2,644	)
Mortgage banking revenue, net		$	1,177			$	1,403			$	1,802			$	2,880			$	3,818			$	(2,641	)

2

Noninterest Income and Noninterest Expense

Noninterest income declined for the fourth quarter, from the linked quarter and year over year. Gain-on-sale yields on mortgage loans were down significantly from the prior year and the total sales were down nearly $87 million. Wealth management revenue was down from both the prior year and linked quarter due to market declines. New sales in the wealth division were insufficient to overcome closed accounts and client distributions during 2022.

For the fourth quarter of 2022, noninterest expense of $10.3 million was down $1.3 million or 11.2 percent compared to the prior year quarter. We continue to have positive variance from our commission-based originators and medical costs eased a bit in the quarter. We continue to make headcount reductions and staffing realignment as retail transactions declined in several markets due to the continuing level of adoption of digital banking initiatives.

Mr. Klein stated, “We are committed to reducing our operating expenses to reflect not only the reduced revenue in residential mortgage lending but also, as economic expansion and contraction, dictates. Inflation concerns remain top of mind as we work to ensure our growth strategies deliver positive operating leverage.”

Noninterest Income / Noninterest Expense
($ in thousands, except ratios)		Dec. 2022				Sep. 2022				Jun. 2022				Mar. 2022				Dec. 2021				Annual Growth
Noninterest Income (NII)		$	3,713			$	4,043			$	4,673			$	5,802			$	6,589			$	(2,876	)
NII / Total Revenue			25.4	%			27.9	%			32.8	%			40.6	%			42.1	%			-16.7	%
NII / Average Assets			1.1	%			1.2	%			1.4	%			1.7	%			2.0	%			-0.9	%
Total Revenue Growth			-6.7	%			-13.2	%			-9.1	%			-46.9	%			-13.7	%			7.0	%

Noninterest Expense (NIE)		$	10,269			$	10,384			$	10,802			$	10,859			$	11,567			$	(1,298	)
Efficiency Ratio			70.2	%			71.6	%			75.6	%			75.9	%			73.7	%			-3.5	%
NIE / Average Assets			3.1	%			3.2	%			3.3	%			3.2	%			3.5	%			-0.4	%
Net Noninterest Expense/Avg. Assets			-2.0	%			-2.0	%			-1.9	%			-1.5	%			-1.5	%			-0.5	%
Total Expense Growth			-11.2	%			-7.7	%			-2.5	%			-0.5	%			8.3	%			-19.5	%

Balance Sheet

Total assets as of December 31, 2022, were $1.3 billion, or up 0.4 percent from the year ago quarter primarily due to the increase in the loan portfolio and partially offset by declines in cash and investments. Total shareholders’ equity as of December 31, 2022, was $118.4 million, down 18.3 percent from a year ago due to the valuation adjustment on the Company’s bond portfolio, which has regressed by $30.3 million. Excluding the impact of the valuation adjustment, equity increased $7.5 million or 5.2 percent. SB Financial bought back 317,000 shares of our stock during 2022 at an average price of $18.43 or 124.5 percent of tangible book value per share.

The investment portfolio of $238.8 million, represented 17.9 percent of assets at December 31, 2022, and was down $24.5 million or 9.3 percent from the year-ago period.

3

Total loans held for investment were $962.1 million at December 31, 2022, up $139.4 million, or 16.9 percent, from December 31, 2021.

Deposit balances of $1.09 billion at December 31, 2022, decreased by $30 million, or 2.4 percent, since December 31, 2021. Deposits have stabilized since mid-year as we have been aggressively pursuing deposit clients throughout our footprint; albeit at a higher marginal cost.

Mr. Klein continued, “Clearly, another quarter of strong loan growth was achieved even as rates continued to climb higher; loan yields are up by 78 basis points adjusted for PPP. Pressure to fund that growth increased with deposit balances rising at a slower pace; our average cost of deposits increased 30 basis points from the prior year quarter. Asset quality was stellar again this year, as we recorded net recoveries for all of 2022; our second consecutive year of this achievement.”

Loan Balances
($ in thousands, except ratios)		Dec. 2022				Sep. 2022				Jun. 2022				Mar. 2022				Dec. 2021				Annual Growth
Commercial		$	128,534			$	128,565			$	127,711			$	124,857			$	122,373			$	6,161
% of Total			13.4	%			13.9	%			14.3	%			14.7	%			14.9	%			5.0	%
Commercial RE			412,636				404,710				404,260				400,101				381,387				31,249
% of Total			42.9	%			43.7	%			45.1	%			47.0	%			46.4	%			8.2	%
Agriculture			64,388				60,522				60,586				55,741				57,473				6,915
% of Total			6.7	%			6.5	%			6.8	%			6.6	%			7.0	%			12.0	%
Residential RE			291,512				267,135				241,614				214,015				206,324				85,188
% of Total			30.3	%			28.9	%			27.0	%			25.2	%			25.1	%			41.3	%
Consumer & Other			65,005				64,317				61,440				55,957				55,157				9,848
% of Total			6.8	%			7.0	%			6.9	%			6.6	%			6.7	%			17.9	%
Total Loans		$	962,075			$	925,249			$	895,611			$	850,671			$	822,714			$	139,361
Total Growth Percentage																							16.9	%

Deposit Balances
($ in thousands, except ratios)		Dec. 2022				Sep. 2022				Jun. 2022				Mar. 2022				Dec. 2021				Annual Growth
Non-Int DDA		$	256,799			$	250,791			$	239,676			$	252,273			$	247,044			$	9,755
% of Total			23.6	%			23.1	%			22.4	%			22.2	%			22.2	%			3.9	%
Interest DDA			191,719				199,523				198,286				211,152				195,464				(3,745	)
% of Total			17.6	%			18.4	%			18.5	%			18.6	%			17.6	%			-1.9	%
Savings			191,272				201,402				215,285				236,394				237,571				(46,299	)
% of Total			17.6	%			18.5	%			20.1	%			20.8	%			21.3	%			-19.5	%
Money Market			255,995				258,975				276,274				289,699				276,462				(20,467	)
% of Total			23.6	%			23.8	%			25.8	%			25.5	%			24.8	%			-7.4	%
Time Deposits			190,880				175,202				142,258				148,553				156,504				34,376
% of Total			17.6	%			16.1	%			13.3	%			13.1	%			14.1	%			22.0	%
Total Deposits		$	1,086,665			$	1,085,893			$	1,071,779			$	1,138,071			$	1,113,045			$	(26,380	)
Total Growth Percentage																							-2.4	%

4

Asset Quality

SB Financial reported nonperforming assets of $5.1 million as of December 31, 2022, down $1.4 million or 21.1 percent from the year-ago quarter. The Company had small charge-offs in the quarter, but for the full year, the Company had $13,000 in net recoveries. The coverage ratio of problem loans to the loan loss allowance was at 318.6 percent at December 31, 2022.

Nonperforming Assets
($ in thousands, except ratios)		Dec. 2022				Sep. 2022				Jun. 2022				Mar. 2022				Dec. 2021				Annual Change
Commercial & Agriculture		$	114			$	114			$	140			$	142			$	143			$	(29	)
% of Total Com./Ag. loans			0.06	%			0.06	%			0.07	%			0.08	%			0.08	%			-20.3	%
Commercial RE			210				223				359				544				554				(344	)
% of Total CRE loans			0.05	%			0.06	%			0.09	%			0.14	%			0.15	%			-62.1	%
Residential RE			2,967				3,129				3,176				3,198				2,484				483
% of Total Res. RE loans			1.02	%			1.17	%			1.31	%			1.49	%			1.20	%			19.4	%
Consumer & Other			391				280				323				409				471				(80	)
% of Total Con./Oth. loans			0.60	%			0.44	%			0.53	%			0.73	%			0.85	%			-17.0	%
Total Nonaccruing Loans			3,682				3,746				3,998				4,293				3,652				30
% of Total loans			0.38	%			0.40	%			0.45	%			0.50	%			0.44	%			0.8	%
Accruing Restructured Loans			654				668				683				762				725				(71	)
Total Change (%)																							-9.8	%
Total Nonaccruing & Restructured Loans			4,336				4,414				4,681				5,055				4,377				(41	)
% of Total loans			0.45	%			0.48	%			0.52	%			0.59	%			0.53	%			-0.9	%
Foreclosed Assets and Other Assets			777				756				730				527				2,104				(1,327	)
Total Change (%)																							-63.1	%
Total Nonperforming Assets		$	5,113			$	5,170			$	5,411			$	5,582			$	6,481			$	(1,368	)
% of Total assets			0.38	%			0.40	%			0.42	%			0.42	%			0.49	%			-21.1	%

Webcast and Conference Call

The Company will hold the fourth quarter 2022 earnings conference call and webcast on January 27, 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 24 full-service 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 April 2022, SB Financial was named to the Keefe, Bruyette & Woods, Inc. “Bank Honor Roll” of superior performers that consistently reported increases in earnings per share over the last decade. The honor roll review determined that just 17 banks in the U.S., including SB Financial, or five percent of all banks screened, qualified for inclusion.

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, the duration and scope of the COVID-19 outbreak in the United States and the market areas in which SB Financial and its subsidiaries operate, including the impact to the state and local economies of prolonged shelter in place orders and the pandemic generally, 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 non-GAAP items of OMSR impairment and merger related costs from net income to report an adjusted net income level. 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)

		December				September				June				March				December
($ in thousands)		2022				2022				2022				2022				2021
ASSETS
Cash and due from banks		$	27,817			$	27,934			$	29,567			$	130,003			$	149,511
Interest bearing time deposits			2,131				2,134				1,691				1,894				2,643
Available-for-sale securities			238,780				243,233				266,162				265,311				263,259
Loans held for sale			2,073				2,979				4,242				4,737				7,472
Loans, net of unearned income			962,075				925,249				895,611				850,671				822,714
Allowance for loan losses			(13,818	)			(13,824	)			(13,801	)			(13,804	)			(13,805	)
Premises and equipment, net			22,829				22,842				23,122				23,039				23,212
Federal Reserve and FHLB Stock, at cost			6,326				5,230				5,303				5,303				5,303
Foreclosed assets and other assets			777				756				730				527				2,104
Interest receivable			4,091				3,556				3,256				2,815				2,920
Goodwill			23,239				23,239				23,239				23,239				23,191
Cash value of life insurance			28,870				28,713				28,556				17,932				17,867
Mortgage servicing rights			13,503				13,473				13,408				13,135				12,034
Other assets			16,940				17,863				12,886				10,328				12,429
Total assets		$	1,335,633			$	1,303,377			$	1,293,972			$	1,335,130			$	1,330,854

LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits
Non interest bearing demand		$	256,799			$	250,791			$	239,676			$	252,273			$	247,044
Interest bearing demand			191,719				199,523				198,286				211,152				195,464
Savings			191,272				201,402				215,285				236,394				237,571
Money market			255,995				258,975				276,274				289,699				276,462
Time deposits			190,880				175,202				142,258				148,553				156,504
Total deposits			1,086,665				1,085,893				1,071,779				1,138,071				1,113,045

Short-term borrowings			14,923				19,754				30,772				19,035				15,320
Federal Home Loan Bank advances			60,000				35,000				25,000				5,500				5,500
Trust preferred securities			10,310				10,310				10,310				10,310				10,310
Subordinated debt net of issuance costs			19,594				19,582				19,570				19,558				19,546
Interest payable			769				623				307				536				299
Other liabilities			24,944				17,587				11,678				9,483				21,905
Total liabilities			1,217,205				1,188,749				1,169,416				1,202,493				1,185,925

Shareholders’ Equity
Common stock			61,319				61,319				61,319				61,319				54,463
Additional paid-in capital			15,087				15,000				15,069				14,872				14,944
Retained earnings			101,966				99,309				96,809				94,833				99,716
Accumulated other comprehensive income (loss)			(32,120	)			(33,426	)			(22,210	)			(13,659	)			(1,845	)
Treasury stock			(27,824	)			(27,574	)			(26,431	)			(24,728	)			(22,349	)
Total shareholders’ equity			118,428				114,628				124,556				132,637				144,929
Total liabilities and shareholders’ equity		$	1,335,633			$	1,303,377			$	1,293,972			$	1,335,130			$	1,330,854

7

SB FINANCIAL GROUP, INC.

CONSOLIDATED STATEMENTS OF INCOME - (Unaudited)

($ in thousands, except per share & ratios)		At and for the Three Months Ended																				Twelve Months Ended
		December				September				June				March				December				December				December
Interest income		2022				2022				2022				2022				2021				2022				2021
Loans
Taxable		$	11,222			$	10,084			$	8,880			$	8,052			$	8,889			$	38,238			$	37,959
Tax exempt			109				92				73				61				59				335				206
Securities
Taxable			1,559				1,536				1,469				1,235				969				5,798				3,386
Tax exempt			47				52				52				47				86				198				353

Total interest income			12,937				11,764				10,474				9,395				10,003				44,569				41,904

Interest expense
Deposits			1,440				852				567				618				640				3,477				3,129
Repurchase agreements & other			7				8				11				13				7				39				42
Federal Home Loan Bank advances			258				180				38				39				41				515				188
Trust preferred securities			138				99				71				53				49				361				199
Subordinated debt			194				195				194				195				188				778				462

Total interest expense			2,037				1,334				881				918				925				5,170				4,020


Net interest income			10,900				10,430				9,593				8,477				9,078				39,399				37,884

Provision for loan losses			-				-				-				-				-				-				1,050

Net interest income after provision for loan losses			10,900				10,430				9,593				8,477				9,078				39,399				36,834

Noninterest income
Wealth management fees			907				930				936				955				988				3,728				3,814
Customer service fees			880				844				860				794				827				3,378				3,217
Gain on sale of mtg. loans & OMSR			550				876				1,196				1,676				3,194				4,298				17,255
Mortgage loan servicing fees, net			627				527				606				1,204				624				2,964				2,940
Gain on sale of non-mortgage loans			105				125				167				169				44				566				158
Title insurance revenue			454				476				697				602				528				2,229				2,089
Gain (loss) on sale of assets			18				(12	)			-				55				1				61				2
Other			172				277				211				347				383				1,007				1,222

Total noninterest income			3,713				4,043				4,673				5,802				6,589				18,231				30,697

Noninterest expense
Salaries and employee benefits			5,677				5,858				6,418				6,189				6,648				24,142				26,838
Net occupancy expense			763				769				719				742				846				2,993				3,048
Equipment expense			1,017				918				827				854				899				3,616				3,281
Data processing fees			627				664				643				576				721				2,510				2,579
Professional fees			738				766				760				950				872				3,214				3,027
Marketing expense			258				200				222				231				228				911				784
Telephone and communication expense			124				134				105				111				148				474				581
Postage and delivery expense			121				75				110				116				106				422				414
State, local and other taxes			277				250				277				278				288				1,082				1,175
Employee expense			157				145				175				136				163				613				663
Other expenses			510				605				546				676				648				2,337				2,418

Total noninterest expense			10,269				10,384				10,802				10,859				11,567				42,314				44,808


Income before income tax expense			4,344				4,088				3,464				3,420				4,100				15,315				22,723

Income tax expense			811				746				630				607				768				2,794				4,446

Net income		$	3,533			$	3,342			$	2,834			$	2,813			$	3,332			$	12,521			$	18,277

Common share data:
Basic earnings per common share		$	0.51			$	0.48			$	0.40			$	0.40			$	0.49			$	1.79			$	2.58

Diluted earnings per common share		$	0.50			$	0.47			$	0.40			$	0.40			$	0.49			$	1.77			$	2.56

Average shares outstanding (in thousands):
Basic:			6,945				6,968				7,075				7,035				6,906				7,005				7,083
Diluted:			7,021				7,033				7,149				7,100				6,970				7,078				7,130

8

SB FINANCIAL GROUP, INC.

CONSOLIDATED FINANCIAL HIGHLIGHTS - (Unaudited)

($ in thousands, except per share & ratios)		At and for the Three Months Ended																				Twelve Months Ended
		December				September				June				March				December				December				December
SUMMARY OF OPERATIONS		2022				2022				2022				2022				2021				2022				2021

Net interest income		$	10,900			$	10,430			$	9,593			$	8,477			$	9,078			$	39,399			$	37,884
Tax-equivalent adjustment			41				38				33				29				39				142				149
Tax-equivalent net interest income			10,941				10,468				9,626				8,506				9,117				39,541				38,033
Provision for loan loss			-				-				-				-				-				-				1,050
Noninterest income			3,713				4,043				4,673				5,802				6,589				18,231				30,697
Total operating revenue			14,613				14,473				14,266				14,279				15,667				57,630				68,581
Noninterest expense			10,269				10,384				10,802				10,859				11,567				42,314				44,808
Pre-tax pre-provision income			4,344				4,088				3,464				3,420				4,100				15,315				23,773
Pretax income			4,344				4,088				3,464				3,420				4,100				15,315				22,723
Net income			3,533				3,342				2,834				2,813				3,332				12,521				18,277

PER SHARE INFORMATION:
Basic earnings per share (EPS)			0.51				0.48				0.40				0.40				0.49				1.79				2.58
Diluted earnings per share			0.50				0.47				0.40				0.40				0.49				1.77				2.56
Common dividends			0.125				0.120				0.120				0.115				0.115				0.480				0.440
Book value per common share			17.08				16.49				17.75				18.65				21.05				17.08				21.05
Tangible book value per common share (TBV)			13.65				13.07				14.36				15.31				17.60				13.65				17.60
Market price per common share			16.95				16.85				17.26				19.91				18.69				16.95				18.69
Market price to TBV			124.2	%			128.9	%			120.2	%			130.1	%			106.2	%			124.2	%			106.2	%
Market price to trailing 12 month EPS			9.6				9.6				9.3				10.0				7.7				9.6				7.7

PERFORMANCE RATIOS:
Return on average assets (ROAA)			1.08	%			1.03	%			0.87	%			0.83	%			0.99	%			0.95	%			1.38	%
Pre-tax pre-provision ROAA			1.32	%			1.26	%			1.06	%			1.01	%			1.22	%			1.25	%			1.91	%
Return on average equity			12.17	%			10.89	%			8.89	%			8.08	%			9.21	%			9.86	%			12.67	%
Return on average tangible equity			15.30	%			13.51	%			10.93	%			9.75	%			10.92	%			12.14	%			15.04	%
Efficiency ratio			70.16	%			71.63	%			75.60	%			75.93	%			73.72	%			73.31	%			65.23	%
Earning asset yield			4.27	%			3.89	%			3.45	%			2.96	%			3.17	%			3.63	%			3.37	%
Cost of interest bearing liabilities			0.90	%			0.58	%			0.39	%			0.39	%			0.40	%			0.56	%			0.45	%
Net interest margin			3.60	%			3.45	%			3.15	%			2.67	%			2.87	%			3.21	%			3.05	%
Tax equivalent effect			0.01	%			0.01	%			0.01	%			0.01	%			0.02	%			0.01	%			0.01	%
Net interest margin, tax equivalent			3.61	%			3.46	%			3.16	%			2.68	%			2.89	%			3.22	%			3.06	%
Non interest income/Average assets			1.13	%			1.24	%			1.43	%			1.72	%			1.96	%			1.38	%			2.32	%
Non interest expense/Average assets			3.13	%			3.19	%			3.31	%			3.22	%			3.45	%			3.21	%			3.39	%
Net noninterest expense/Average assets			-2.00	%			-1.95	%			-1.88	%			-1.50	%			-1.48	%			-1.83	%			-1.07	%

ASSET QUALITY RATIOS:
Gross charge-offs			7				9				9				9				34				34				136
Recoveries			1				32				6				8				27				47				317
Net charge-offs			6				(23	)			3				1				7				(13	)			(181	)
Nonaccruing loans/Total loans			0.38	%			0.40	%			0.45	%			0.50	%			0.44	%			0.38	%			0.44	%
Nonperforming loans/Total loans			0.45	%			0.48	%			0.52	%			0.59	%			0.53	%			0.45	%			0.53	%
Nonperforming assets/Loans & OREO			0.53	%			0.56	%			0.60	%			0.66	%			0.79	%			0.53	%			0.79	%
Nonperforming assets/Total assets			0.38	%			0.40	%			0.42	%			0.42	%			0.49	%			0.38	%			0.49	%
Allowance for loan loss/Nonperforming loans			318.68	%			313.26	%			294.83	%			273.08	%			315.40	%			318.68	%			315.40	%
Allowance for loan loss/Total loans			1.44	%			1.49	%			1.54	%			1.62	%			1.68	%			1.44	%			1.68	%
Net loan charge-offs/Average loans (ann.)			0.00	%			(0.01	%)			0.00	%			0.00	%			0.00	%			(0.00	%)			(0.02	%)

CAPITAL & LIQUIDITY RATIOS:
Loans/ Deposits			88.53	%			85.21	%			83.56	%			74.75	%			73.92	%			88.53	%			73.92	%
Equity/ Assets			8.87	%			8.79	%			9.63	%			9.93	%			10.89	%			8.87	%			10.89	%
Tangible equity/Tangible assets			7.22	%			7.10	%			7.93	%			8.30	%			9.27	%			7.22	%			9.27	%
Common equity tier 1 ratio (Bank)			13.42	%			13.23	%			13.21	%			13.71	%			13.94	%			13.42	%			13.94	%

END OF PERIOD BALANCES
Total assets			1,335,633				1,303,377				1,293,972				1,335,130				1,330,854				1,335,633				1,330,854
Total loans			962,075				925,249				895,611				850,671				822,714				962,075				822,714
Deposits			1,086,665				1,085,893				1,071,779				1,138,071				1,113,045				1,086,665				1,113,045
Stockholders equity			118,428				114,628				124,556				132,637				144,929				118,428				144,929
Goodwill and intangibles			23,753				23,770				23,787				23,804				23,774				23,753				23,774
Tangible equity			94,675				90,858				100,769				108,833				121,155				94,675				121,155
Mortgage servicing portfolio			1,352,016				1,362,666				1,369,732				1,375,554				1,362,962				1,352,016				1,362,962
Wealth/Brokerage assets under care			507,093				480,947				500,487				560,698				618,279				507,093				618,279
Total assets under care			3,194,742				3,146,990				3,164,191				3,271,382				3,312,095				3,194,742				3,312,095
Full-time equivalent employees			268				271				267				256				269				268				269
Period end common shares outstanding			6,935				6,950				7,017				7,111				6,884				6,935				6,884
Market capitalization (all)			117,556				117,113				121,105				141,575				128,668				117,556				128,668

AVERAGE BALANCES
Total assets			1,314,419				1,302,297				1,305,815				1,350,982				1,342,202				1,318,781				1,322,253
Total earning assets			1,211,674				1,209,958				1,216,124				1,270,218				1,263,431				1,226,771				1,243,093
Total loans			937,898				909,909				870,439				832,825				845,078				888,116				854,521
Deposits			1,094,491				1,085,821				1,108,890				1,134,234				1,123,843				1,105,571				1,106,122
Stockholders equity			116,114				122,738				127,519				139,214				144,749				126,963				144,223
Goodwill and intangibles			23,761				23,778				23,796				23,801				22,701				23,783				22,718
Tangible equity			92,353				98,960				103,723				115,413				122,048				103,180				121,505
Average basic shares outstanding			6,945				6,968				7,075				7,035				6,906				7,005				7,083
Average diluted shares outstanding			7,021				7,033				7,149				7,100				6,970				7,078				7,130

9

SB FINANCIAL GROUP, INC.

Rate Volume Analysis - (Unaudited)

For the Three and Twelve Months Ended Dec. 31, 2022 and 2021

($ in thousands)		Three Months Ended Dec. 31, 2022												Three Months Ended Dec. 31, 2021
		Average								Average				Average								Average
Assets		Balance				Interest				Rate				Balance				Interest				Rate
Taxable securities/cash		$	265,711			$	1,559				2.35	%		$	410,489			$	969				0.94	%
Nontaxable securities			8,065				47				2.33	%			7,864				86				4.37	%
Loans, net			937,898				11,331				4.83	%			845,078				8,948				4.24	%
Total earning assets			1,211,674				12,937				4.27	%			1,263,431				10,003				3.17	%
Cash and due from banks			7,052												6,489
Allowance for loan losses			(13,820	)											(13,795	)
Premises and equipment			23,757												25,505
Other assets			85,756												60,572

Total assets		$	1,314,419											$	1,342,202
Liabilities
Savings, MMDA and interest bearing demand		$	646,498			$	965				0.60	%		$	704,534			$	400				0.23	%
Time deposits			180,678				475				1.05	%			157,888				240				0.61	%
Repurchase agreements & other			18,058				7				0.16	%			18,910				7				0.15	%
Advances from Federal Home Loan Bank			29,078				258				3.55	%			5,500				41				2.98	%
Trust preferred securities			10,310				138				5.35	%			10,310				49				1.90	%
Subordinated debt			19,588				194				3.96	%			19,539				188				3.85	%
Total interest bearing liabilities			904,210				2,037				0.90	%			916,681				925				0.40	%
Non interest bearing demand			267,315				-								261,421				-
Total funding			1,171,525								0.70	%			1,178,102								0.31	%
Other liabilities			26,780												19,351
Total liabilities			1,198,305												1,197,453
Equity			116,114												144,749
Total liabilities and equity		$	1,314,419											$	1,342,202
Net interest income						$	10,900											$	9,078
Net interest income as a percent of average interest-earning assets - GAAP measure											3.60	%											2.87	%
Net interest income as a percent of average interest-earning assets - non GAAP - Computed on a fully tax equivalent (FTE) basis											3.61	%											2.89	%

		Twelve Months Ended Dec. 31, 2022												Twelve Months Ended Dec. 31, 2021
		Average								Average				Average								Average
Assets		Balance				Interest				Rate				Balance				Interest				Rate
Taxable securities/cash		$	330,549			$	5,798				1.75	%		$	380,770			$	3,386				0.89	%
Nontaxable securities			8,106				198				2.44	%			7,802				353				4.52	%
Loans, net			888,116				38,573				4.34	%			854,521				38,165				4.47	%
Total earning assets			1,226,771				44,569				3.63	%			1,243,093				41,904				3.37	%
Cash and due from banks			7,296												7,290
Allowance for loan losses			(13,808	)											(13,422	)
Premises and equipment			24,137												24,710
Other assets			74,385												60,582
Total assets		$	1,318,781											$	1,322,253
Liabilities
Savings, MMDA and interest bearing demand		$	693,271			$	2,258				0.33	%		$	672,296			$	1,813				0.27	%
Time deposits			159,401				1,219				0.76	%			177,918				1,316				0.74	%
Repurchase agreements & Other			20,481				39				0.19	%			22,821				42				0.18	%
Advances from Federal Home Loan Bank			16,420				515				3.14	%			6,507				188				2.89	%
Trust preferred securities			10,310				361				3.50	%			10,310				199				1.93	%
Subordinated debt			19,570				778				3.98	%			12,057				462				3.83	%
Total interest bearing liabilities			919,453				5,170				0.56	%			901,909				4,020				0.45	%
Non interest bearing demand			252,899								0.44	%			255,908								0.35	%
Total funding			1,172,352												1,157,817
Other liabilities			19,466												20,213
Total liabilities			1,191,818												1,178,030
Equity			126,963												144,223
Total liabilities and equity		$	1,318,781											$	1,322,253
Net interest income						$	39,399											$	37,884
Net interest income as a percent of average interest-earning assets - GAAP measure											3.21	%											3.05	%
Net interest income as a percent of average interest-earning assets - non GAAP - Computed on a fully tax equivalent (FTE) basis											3.22	%											3.06	%

10

Non-GAAP reconciliation		Three Months Ended								Twelve Months Ended
($ in thousands, except per share & ratios)		Dec. 31, 2022				Dec. 31, 2021				Dec. 31, 2022				Dec. 31, 2021

Total Operating Revenue		$	14,613			$	15,667			$	57,630			$	68,581
Adjustment to (deduct)/add OMSR recapture/impairment *			(86	)			(581	)			(1,279	)			(3,436	)
Adjusted Total Operating Revenue			14,527				15,086				56,351				65,145

Income before Income Taxes			4,344				4,100				15,315				22,723
Adjustment for OMSR *			(86	)			(581	)			(1,279	)			(3,436	)
Adjusted Income before Income Taxes			4,258				3,519				14,036				19,287

Provision for Income Taxes			811				768				2,794				4,446
Adjustment for OMSR **			(18	)			(122	)			(269	)			(722	)

Adjusted Provision for Income Taxes			793				646				2,525				3,725

Net Income			3,533				3,332				12,521				18,277
Adjustment for OMSR *			(68	)			(459	)			(1,010	)			(2,714	)

Adjusted Net Income			3,465				2,873				11,511				15,563

Diluted Earnings per Share			0.50				0.49				1.77				2.56
Adjustment for OMSR *			(0.01	)			(0.07	)			(0.14	)			(0.38	)

Adjusted Diluted Earnings per Share		$	0.49			$	0.42			$	1.63			$	2.18

Return on Average Assets			1.08	%			0.99	%			0.95	%			1.38	%
Adjustment for OMSR *			-0.02	%			-0.14	%			-0.08	%			-0.21	%

Adjusted Return on Average Assets			1.05	%			0.86	%			0.87	%			1.18	%

*

valuation adjustment to the Company’s mortgage servicing rights

**

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

11

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Cover	Jan. 26, 2023
Cover [Abstract]
Document Type	8-K
Amendment Flag	false
Document Period End Date	Jan. 26, 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 6,985,951 Outstanding at January 27, 2023
Trading Symbol	SBFG
Security Exchange Name	NASDAQ
Entity Emerging Growth Company	false

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