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SB Financial Group (SBFG) investor relations material
SB Financial Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Net income for Q2 2025 was $3.9M, up 23.7% year-over-year, with diluted EPS of $0.60, a 27.7% increase; adjusted EPS was $0.58 excluding servicing rights recapture.
Operating revenue for Q2 2025 increased 22.3% to $17.2M, driven by higher interest income, mortgage activity, and expanded market presence from the Marblehead acquisition.
The Marblehead acquisition in January 2025 expanded the deposit and loan base, contributed to liquidity, and supported growth in Northern Ohio.
Added to the Russell 2000 Index, reflecting strong financial performance and brand value.
Total assets reached $1.49B at June 30, 2025, up 7.7% since year-end 2024.
Financial highlights
Net interest income for Q2 2025 was $12.1M, up 25.6% year-over-year; net interest margin expanded 36 bps to 3.48%.
Noninterest income for Q2 2025 was $5.0M, up 15.1% year-over-year, led by mortgage and title revenue.
Noninterest expense increased to $11.9M in Q2 2025, mainly from higher salaries, benefits, and Marblehead integration.
Tangible book value per share increased 7.7% year-over-year to $16.44.
Total deposits grew 8.4% to $1.25B since December 2024.
Outlook and guidance
Management anticipates continued strong performance in the second half of 2025, with positive resolutions to nonperforming credits and stable or slightly lower funding costs.
Expects margin expansion to continue, supported by solid loan growth and potential rate reductions boosting mortgage volume.
Mortgage origination volume for the year expected to reach $300M or higher, with potential to approach $400M if rates decline.
Margin projected to rise another 10 basis points in Q3, potentially peaking at 3.7%.
Asset quality remains stable, with strong capital and liquidity positions supporting future operations.
Can 2025 mortgage volume reach $400M?
When will NIM peak and at what level?
Capital deployment priorities: M&A vs. buyback?
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Next SB Financial Group earnings date
Q3 202531 Oct, 2025
Next SB Financial Group earnings date
Q3 202531 Oct, 2025
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Frequently asked questions
SB Financial Group Inc. is a financial holding company that provides banking and wealth management services through its subsidiaries. It offers personal and commercial banking, mortgage origination, and trust services to clients in Ohio, Indiana, and Michigan. Its customer base includes individuals, small businesses, and local governments. The company is headquartered in Defiance, Ohio, and its shares are listed on the NASDAQ.
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