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SB FINANCIAL GROUP, INC. (SBFG)
SB FINANCIAL GROUP, INC. (SBFG)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Balance Sheets Overview
Debt to Asset Ratio
90.94%
Unit: Thousand (K) dollars
Assets Breakdown
Cash and due from banks
Cash value of life insurance
Goodwill
Others
Liabilities Breakdown
Savings
Money market
Time deposits
Others
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Page 1
Quarterly
123
Page 1
Balance Sheets
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Cash and due from banks
138,152
126,293
85,025
79,463
Interest bearing time deposits
2,455
1,965
2,025
1,565
Available-for-sale securities
179,026
183,626
193,190
195,955
Loans held for sale
7,438
7,203
4,736
12,774
Loans, net of unearned income
1,189,559
1,181,135
1,110,545
1,094,719
Allowance for credit losses
16,395
16,388
15,943
15,645
Premises and equipment, net
21,088
21,295
21,764
21,857
Federal reserve and federal home loan bank stock, at cost
5,502
5,463
5,466
5,466
Foreclosed assets and other assets held for sale, net
936
974
237
284
Interest receivable
5,455
5,499
5,455
5,299
Goodwill
27,158
27,158
27,158
27,158
Cash value of life insurance
32,354
32,401
32,004
31,060
Mortgage servicing rights
15,953
15,728
15,347
15,458
Other assets
11,383
12,246
9,254
10,888
Total assets
1,620,064
1,604,598
1,496,263
1,486,301
Non interest bearing demand
258,576
248,239
246,725
241,245
Interest bearing demand
206,593
215,594
194,420
205,581
Savings
325,675
333,662
290,111
282,311
Money market
315,363
300,028
261,953
249,536
Time deposits
284,940
274,300
269,313
271,149
Total deposits
1,391,147
1,371,823
1,262,522
1,249,822
Repurchase agreements
6,732
9,433
10,976
15,640
Federal home loan bank advances
22,500
27,500
35,000
35,000
Trust preferred securities
10,310
10,310
10,310
10,310
Subordinated debt net of issuance costs
19,763
19,751
19,726
19,715
Interest payable
2,470
2,553
2,739
2,258
Other liabilities
20,402
19,573
18,051
19,908
Preferred stock, no par value authorized 200,000 shares 2025 - 0 shares outstanding, 2024 - 0 shares outstanding
-
-
-
0
Total liabilities
1,473,324
1,460,943
1,359,324
1,352,653
Common stock, no par value 2026 - 10,500,000 shares authorized, 8,525,375 shares issued 2025 - 10,500,000 shares authorized, 8,525,375 shares issued
61,319
61,319
61,319
61,319
Additional paid-in capital
15,275
15,065
15,086
15,139
Retained earnings
133,125
129,631
123,370
120,273
Accumulated other comprehensive loss
-21,854
-21,861
-23,412
-25,492
Treasury stock, at cost (2026 - 2,269,383 common shares 2025 - 2,249,417 common shares)
41,125
40,499
39,424
37,591
Total shareholders' equity
146,740
143,655
136,939
133,648
Total liabilities and shareholders' equity
1,620,064
1,604,598
1,496,263
1,486,301
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Balance Sheets
Loans, net of unearned
income
$1,189,559K
(8.66%↑ Y/Y)
Available-for-sale securities
$179,026K
(-8.64%↓ Y/Y)
Cash and due from
banks
$138,152K
(73.86%↑ Y/Y)
Cash value of life
insurance
$32,354K
(4.17%↑ Y/Y)
Goodwill
$27,158K
(0.00%↑ Y/Y)
Premises and equipment,
net
$21,088K
(-3.52%↓ Y/Y)
Mortgage servicing
rights
$15,953K
(3.20%↑ Y/Y)
Other assets
$11,383K
(4.55%↑ Y/Y)
Loans held for sale
$7,438K
(-41.77%↓ Y/Y)
Federal reserve and
federal home loan bank...
$5,502K
(0.66%↑ Y/Y)
Interest receivable
$5,455K
(2.94%↑ Y/Y)
Interest bearing time
deposits
$2,455K
(56.87%↑ Y/Y)
Foreclosed assets and other
assets held for sale,...
$936K
(229.58%↑ Y/Y)
Total assets
$1,620,064K
(9.00%↑ Y/Y)
Allowance for credit
losses
$16,395K
(4.79%↑ Y/Y)
Total liabilities and
shareholders' equity
$1,620,064K
(9.00%↑ Y/Y)
Total liabilities
$1,473,324K
(8.92%↑ Y/Y)
Total shareholders'
equity
$146,740K
(9.80%↑ Y/Y)
Treasury stock, at cost
(2026 - 2,269,383...
$41,125K
(9.40%↑ Y/Y)
Accumulated other
comprehensive loss
-$21,854K
(14.27%↑ Y/Y)
Total deposits
$1,391,147K
(11.31%↑ Y/Y)
Federal home loan bank
advances
$22,500K
(-35.71%↓ Y/Y)
Other liabilities
$20,402K
(2.48%↑ Y/Y)
Subordinated debt net of
issuance costs
$19,763K
(0.24%↑ Y/Y)
Trust preferred
securities
$10,310K
(0.00%↑ Y/Y)
Repurchase agreements
$6,732K
(-56.96%↓ Y/Y)
Interest payable
$2,470K
(9.39%↑ Y/Y)
Retained earnings
$133,125K
(10.69%↑ Y/Y)
Common stock, no par
value 2026 -...
$61,319K
(0.00%↑ Y/Y)
Additional paid-in capital
$15,275K
(0.90%↑ Y/Y)
Savings
$325,675K
(15.36%↑ Y/Y)
Money market
$315,363K
(26.38%↑ Y/Y)
Time deposits
$284,940K
(5.09%↑ Y/Y)
Non interest
bearing demand
$258,576K
(7.18%↑ Y/Y)
Interest bearing demand
$206,593K
(0.49%↑ Y/Y)
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