| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 10,056 | 6,010 |
| Depreciation and amortization | 1,636 | 1,090 |
| Provision for credit losses | 1,108 | 984 |
| Expense of share-based compensation plan | 462 | 341 |
| Amortization of premiums and discounts on securities | 321 | 209 |
| Amortization of intangible assets | 178 | 119 |
| Amortization of originated mortgage servicing rights | 1,218 | 762 |
| Recovery of mortgage servicing rights | 131 | -170 |
| Proceeds from sale of loans held for sale | 180,000 | 113,593 |
| Originations of loans held for sale | 175,946 | 118,267 |
| Gain from sale of loans | 3,848 | 2,512 |
| Interest receivable | 547 | 391 |
| Other assets | -4,582 | -3,139 |
| Interest payable & other liabilities | -3,582 | -1,829 |
| Net cash provided by operating activities | 15,769 | 3,078 |
| Purchases of available-for-sale securities | 100 | 100 |
| Purchases of interest bearing time deposits | 950 | 0 |
| Proceeds from maturities of interest bearing time deposits | 490 | 0 |
| Proceeds from sale of federal home loan bank stock | - | 0 |
| Proceeds from maturities of available-for-sale securities | 16,813 | 11,526 |
| Proceeds from sales of available-for-sale securities | 30,121 | 30,123 |
| Net change in loans | 45,570 | 29,742 |
| Purchase of premises, equipment | 1,904 | 1,451 |
| Purchase of bank owned life insurance | 800 | 0 |
| Purchase of federal reserve and federal home loan bank stock | 126 | 126 |
| Proceeds from sale of foreclosed assets | 57 | 10 |
| Acquisition, net of cash acquired (paid) | 3,014 | 3,014 |
| Net cash used in investing activities | -4,983 | 7,226 |
| Net increase in demand deposits, money market, interest checking & savings accounts | 46,733 | 32,197 |
| Net increase in time deposits | 10,096 | 11,932 |
| Net increase in securities sold under agreements to repurchase | 391 | 5,055 |
| Repayment of federal home loan bank advances | 1,000 | 1,000 |
| Proceeds from federal home loan bank advances | - | 0 |
| Stock repurchase plan | 5,037 | 3,030 |
| Cash dividends on common shares | 2,872 | 1,923 |
| Net cash provided by financing activities | 48,311 | 43,231 |
| Increase in cash and cash equivalents | 59,097 | 53,535 |
| Cash and cash equivalents at beginning of period | 25,928 | - |
| Cash and cash equivalents at end of period | 85,025 | - |
SB FINANCIAL GROUP, INC. (SBFG)
SB FINANCIAL GROUP, INC. (SBFG)