10-Q quarterly report · filed Nov 6, 2025

SB FINANCIAL GROUP, INC. (SBFG) Q3 2025 10-Q Quarterly Report

Short answer

SB FINANCIAL GROUP, INC. (SBFG) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $19M (down 60.4% year over year) with net income of $4M.

Q3 2025 key financials · XBRL

Revenue
$19M
−60.4% YoY · +1.9% QoQ
Net income
$4M
−48.4% YoY · +5.0% QoQ
EPS (diluted)
$0.63
−46.2% YoY · +5.0% QoQ

Source: XBRL data from the SB FINANCIAL GROUP, INC. (SBFG) Q3 2025 10-Q on SEC EDGAR. USD.

SB FINANCIAL GROUP, INC. Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Quarterly operating revenue $16.6M, up 15.9% YoY from $14.3M
  • Net interest margin 3.48% vs 3.16% YoY; net income $4.0M vs $2.4M
  • Mortgage banking revenue $1.49M vs $1.35M; SBFG Title revenue $0.54M, up $0.06M
  • Deposits $1.26B, up $109.9M from year-end; loans $1.11B, up $63.8M
  • Headwinds: interest expense, mortgage volatility, economic conditions, geopolitical risks, and regulatory changes

Risk Factors

  • No risk-factor section provided; filing excerpt begins with Item 2 and contains no 10-Q risk-factor updates
  • No newly added risk identified because triggering events or amended disclosures are absent from the excerpt
  • No materially updated regulatory, legal, or compliance risk identifiable from provided text
  • No operational, competitive, market, liquidity, debt-maturity, currency, or concentration risk disclosed in provided excerpt

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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