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Income Statement
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Balance Sheet
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Income Overview
Net Income
$4,497K
EPS
$0.72
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Loan
17,498
17,246
16,449
16,059
Loan
98
99
117
116
Securities
1,006
1,029
1,097
1,133
Securities
36
36
35
35
Other interest income
1,182
897
1,111
1,124
Total interest income
19,820
19,307
18,809
18,467
Deposits
6,237
5,957
5,721
5,597
Repurchase agreements & other
7
14
28
21
Federal home loan bank advance expense
234
285
369
366
Trust preferred securities expense
145
144
162
161
Subordinated debt expense
243
195
195
194
Total interest expense
6,866
6,595
6,475
6,339
Net interest income
12,954
12,712
12,334
12,128
Provision for credit losses - loans
200
300
300
300
Provision for unfunded commitments
-99
86
176
-297
Total provision for credit losses
299
214
124
597
Net interest income after provision for credit losses
12,655
12,498
12,210
11,531
Wealth management fees
955
941
912
859
Customer service fees
917
910
887
886
Gain on sale of mortgage loans & omsr
1,541
978
1,328
1,566
Mortgage loan servicing fees, net
383
851
158
594
Gain on sale of non-mortgage loans
62
144
8
82
Title insurance income
577
485
544
582
Loss on sale of assets
-9
8
-
-
Other income
561
395
407
479
Total noninterest income
4,987
4,712
4,244
5,048
Salaries and employee benefits
7,005
6,096
6,198
6,595
Net occupancy expense
802
882
801
793
Equipment expense
1,226
1,244
1,188
1,121
Data processing fees
693
726
723
888
Professional fees
844
1,016
863
892
Marketing expense
255
277
174
190
Telephone and communications
126
118
123
125
Postage and delivery expense
146
187
157
107
State, local and other taxes
221
288
268
268
Employee expense
177
184
255
176
Other expense
642
911
748
697
Total noninterest expense
12,137
11,929
11,498
11,852
Income before income tax
5,505
5,281
4,956
4,727
Provision for income taxes
1,008
985
910
875
Net income
4,497
4,296
4,046
3,852
Basic EPS
0.72
0.69
0.64
0.6
Diluted EPS
0.72
0.69
0.64
0.6
Basic Average Shares
6,205,000
6,230,000
6,297,000
6,448,000
Diluted Average Shares
6,220,000
6,243,000
6,311,000
6,459,000
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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Income Statement
Loan
$17,498K
(8.96%↑ Y/Y)
Other interest income
$1,182K
(5.16%↑ Y/Y)
Securities
$1,006K
(-11.21%↓ Y/Y)
Loan
$98K
(-15.52%↓ Y/Y)
Securities
$36K
(2.86%↑ Y/Y)
Total interest income
$19,820K
(7.33%↑ Y/Y)
Net interest income
$12,954K
(6.81%↑ Y/Y)
Gain on sale of
mortgage loans & omsr
$1,541K
(-1.60%↓ Y/Y)
Wealth management fees
$955K
(11.18%↑ Y/Y)
Customer service fees
$917K
(3.50%↑ Y/Y)
Title insurance
income
$577K
(-0.86%↓ Y/Y)
Other income
$561K
(17.12%↑ Y/Y)
Mortgage loan servicing
fees, net
$383K
(-35.52%↓ Y/Y)
Gain on sale of
non-mortgage loans
$62K
(-24.39%↓ Y/Y)
Total interest
expense
$6,866K
(8.31%↑ Y/Y)
Net interest income
after provision for...
$12,655K
(9.75%↑ Y/Y)
Total noninterest
income
$4,987K
(-1.21%↓ Y/Y)
Total provision for
credit losses
$299K
(-49.92%↓ Y/Y)
Loss on sale of assets
-$9K
Deposits
$6,237K
(11.43%↑ Y/Y)
Subordinated debt expense
$243K
(25.26%↑ Y/Y)
Federal home loan bank
advance expense
$234K
(-36.07%↓ Y/Y)
Trust preferred
securities expense
$145K
(-9.94%↓ Y/Y)
Repurchase agreements &
other
$7K
(-66.67%↓ Y/Y)
Income before income
tax
$5,505K
(16.46%↑ Y/Y)
Total noninterest
expense
$12,137K
(2.40%↑ Y/Y)
Provision for credit
losses - loans
$200K
(-33.33%↓ Y/Y)
Provision for unfunded
commitments
-$99K
(66.67%↑ Y/Y)
Net income
$4,497K
(16.74%↑ Y/Y)
Provision for income taxes
$1,008K
(15.20%↑ Y/Y)
Salaries and employee
benefits
$7,005K
(6.22%↑ Y/Y)
Equipment expense
$1,226K
(9.37%↑ Y/Y)
Professional fees
$844K
(-5.38%↓ Y/Y)
Net occupancy
expense
$802K
(1.13%↑ Y/Y)
Data processing fees
$693K
(-21.96%↓ Y/Y)
Other expense
$642K
(-7.89%↓ Y/Y)
Marketing expense
$255K
(34.21%↑ Y/Y)
State, local and other
taxes
$221K
(-17.54%↓ Y/Y)
Employee expense
$177K
(0.57%↑ Y/Y)
Postage and delivery
expense
$146K
(36.45%↑ Y/Y)
Telephone and
communications
$126K
(0.80%↑ Y/Y)
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SB FINANCIAL GROUP, INC. (SBFG)
SB FINANCIAL GROUP, INC. (SBFG)