)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
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.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next SB Financial Group earnings date
Q3 202531 Oct, 2025
Next SB Financial Group earnings date
Q3 202531 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage