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SB Financial Group (SBFG) investor relations material
SB Financial Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Net income for Q3 2025 was $4.0 million, up 83% year-over-year, with diluted EPS of $0.64 and adjusted EPS of $0.68, reflecting strong loan and deposit growth and the Marblehead acquisition.
Operating revenue for the quarter was $16.6 million, up 15.9% year-over-year, with net interest income rising to $12.3 million, driven by sustained loan and deposit growth.
Completed successful integration of Marblehead clients, expanding deposit base, entering new markets, and contributing to liquidity and market expansion.
Maintained focus on disciplined lending, core deposit growth, and expense management, with six consecutive quarters of loan growth and 59th consecutive quarter of profitability.
Results benefited from higher interest income and the Marblehead acquisition, partially offset by higher interest expense and merger-related costs.
Financial highlights
Total assets reached $1.50 billion at September 30, 2025, up 8.5% from year-end 2024.
Loans grew $80.6 million (7.8%) year-over-year to $1.11 billion; deposits increased $103 million (8.9%) to $1.26 billion, with $51 million from Marblehead.
Net interest margin peaked at 3.48%, up 32 basis points year-over-year.
Noninterest income for Q3 2025 was $4.2 million, up 2.9% year-over-year, with gains in mortgage and title insurance revenue.
Tangible book value per share increased 4.4% to $17.21 year-over-year.
Outlook and guidance
Management expects continued high single-digit loan growth in 2026, funded by bond runoff, 4–5% deposit growth, and targeted wholesale borrowings.
Margin expected to hold near 3.5% through 2026, with some headwinds from funding costs and potential Fed rate cuts.
Expense growth projected at 3–4% in 2026, with Q4 2025 expenses expected around $11.5 million.
Mortgage volume anticipated to rise if rates fall below 6%, with potential to reach $320–$400 million in 2026.
No changes in capital classification or regulatory status are anticipated.
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Next SB Financial Group earnings date
Q4 202522 Jan, 2026
Next SB Financial Group earnings date
Q4 202522 Jan, 2026
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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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