Q2 2026 SB Financial Group Inc Earnings Call Transcript

Jul 24, 2026 / 03:00 PM GMT

Transcript 8-K8-K

Key Points

Positve

SB Financial Group Inc (SBFG) reported a net income of $4.5 million with diluted earnings per share of $0.72, marking a significant increase from $0.60 in the prior year quarter.
The company achieved its 62nd consecutive quarter of operational profitability, demonstrating consistent financial performance.
Loan balances increased by approximately $95 million or 8.7% from the prior year quarter, extending the trend of sequential loan growth to nine consecutive quarters.
Total deposits climbed to $1.39 billion, an increase of 11% from the prior year quarter, showcasing strong deposit growth.
Asset quality remains a competitive advantage with total nonperforming assets declining to 0.27% of total assets, a reduction of over 28% compared to the prior year.

Negative

Mortgage originations for the quarter, although rebounding from the first quarter, were down compared to the prior year period, reflecting challenges in the mortgage market.
The company's net interest margin slightly decreased to 3.43% from the previous quarter, indicating pressure on interest income.
Operating expenses increased to $12.1 million, up 2.4% from the prior year, reflecting higher costs associated with adding new lenders.
The company anticipates losing about $40 million in wholesale deposits in the upcoming quarter, which could impact liquidity.
Despite strong loan growth, the linked-quarter loan growth was below expectations, indicating potential challenges in maintaining growth momentum.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SBFG.OQ - SB Financial Group Inc
Q2 2026 SB Financial Group Inc Earnings Call
Jul 24, 2026 / 03:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good morning and welcome to the SB Financial and web.

I would like to inform you that the conference call is being recorded and that all participants are in a listen-only mode.

We will begin with remarks by management and then open the conference up to the investment community for questions and answers.

I will now turn the conference over to Sarah Meeus with SB Financial.

Please go ahead, Sarah.

Thank you and good morning everyone.

I'd like to remind you that this conference call is being broadcast live over the internet and will be archived and available on our website at .yourstbank.com.

Joining me today are Mark Klein, Chairman, President and CEO Tony

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