Financial insights of SBFG

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$4,296K
EPS
$0.69
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-09-30	2025-06-30
Loan	17,246	16,449	16,059
Loan	99	117	116
Securities	1,029	1,097	1,133
Securities	36	35	35
Other interest income	897	1,111	1,124
Total interest income	19,307	18,809	18,467
Deposits	5,957	5,721	5,597
Repurchase agreements & other	14	28	21
Federal home loan bank advance expense	285	369	366
Trust preferred securities expense	144	162	161
Subordinated debt expense	195	195	194
Total interest expense	6,595	6,475	6,339
Net interest income	12,712	12,334	12,128
Provision for credit losses - loans	300	300	300
Provision (benefit) for unfunded commitments	86	176	-297
Total provision for credit losses	214	124	597
Net interest income after provision for credit losses	12,498	12,210	11,531
Wealth management fees	941	912	859
Customer service fees	910	887	886
Gain on sale of mortgage loans & omsr	978	1,328	1,566
Mortgage loan servicing fees, net	851	158	594
Gain on sale of non-mortgage loans	144	8	82
Title insurance income	485	544	582
Gain on sale of assets	8	-	-
Other income	395	407	479
Total noninterest income	4,712	4,244	5,048
Salaries and employee benefits	6,096	6,198	6,595
Net occupancy expense	882	801	793
Equipment expense	1,244	1,188	1,121
Data processing fees	726	723	888
Professional fees	1,016	863	892
Marketing expense	277	174	190
Telephone and communications	118	123	125
Postage and delivery expense	187	157	107
State, local and other taxes	288	268	268
Employee expense	184	255	176
Other expense	911	748	697
Total noninterest expense	11,929	11,498	11,852
Income before income tax	5,281	4,956	4,727
Provision for income taxes	985	910	875
Net income	4,296	4,046	3,852

Basic EPS	0.69	0.64	0.6
Diluted EPS	0.69	0.64	0.6
Basic Average Shares	6,230,000	6,297,000	6,448,000
Diluted Average Shares	6,243,000	6,311,000	6,459,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$4,296K
EPS
$0.69
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$4,296K
EPS
$0.69
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$4,296KEPS$0.69Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$4,296KEPS$0.69Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$4,296K
EPS
$0.69
Unit: Thousand (K) dollars

Net Income
$4,296K
EPS
$0.69
Unit: Thousand (K) dollars