SB Financial Group, Inc. (SBFG) Earnings Call Transcripts

SB Financial Group, Inc.'s Latest Earnings Call - Q1 FY2026

SB Financial Group, Inc. (SBFG:US) reported a strong start to fiscal year 2026 with Q1 results showcasing solid balance sheet performance. Net income was $4.3 million, with diluted EPS of $0.69, a significant increase from $0.33 in Q1 2025. Revenue grew to $17.4 million, up 13.2% year-over-year, driven by loan growth and improved fee-based revenue. Management maintained guidance, indicating confidence in continued growth and stability. The Marblehead acquisition was highlighted as a key contributor to the funding base and franchise stability.

Reported metrics

Guidance from management

Management maintained guidance, expecting continued growth in loan and deposit volumes, with a focus on expanding in new markets and maintaining strong asset quality.

What management said

Yes. Steve can speak to the pipeline thing. We've had a few payoffs here recently, not because they wanted to leave us because they sold one of their projects. But I think it's generally pretty decent. We know and we've discussed many times about an outweighted segment of our growth has come from Columbus and continues to do so. But we also indicated this year, we were hoping that our other markets like Fort Wayne, I...

Yes. No, Mark, I think consistent with that high single digits we talked about previously. As we discussed in previous calls, as you remember, Brian, we are focusing on expanding the breadth. Certainly, Columbus delivers a lot of growth for us, and we'll continue to do so. But we are committed to expanding that growth story to those other urban markets. And that even does include, as Mark referenced earlier, entering...

What analysts pressed on

Analysts questioned the sustainability of loan growth given geopolitical risks and potential impacts on the ag portfolio. There were also inquiries about the competitive deposit environment and its impact on net interest margin.

Main topics on the call

• Loan Growth — Loan balances increased by approximately $92 million year-over-year, with continued production across the franchise. Management highlighted new market expansions in Angola and Napoleon as significant contributors to grow...
• Deposit Growth — Total deposits reached $1.37 billion, up from $1.27 billion in Q1 2025, reflecting nearly 8% growth. This was attributed to organic growth and stable client relationships, bolstered by the Marblehead acquisition.
• Net Interest Income — Net interest income was $12.7 million, up from $11.3 million in Q1 2025, driven by higher interest income on loans and a stable funding profile. The net interest margin was 3.49%, slightly down from the linked quarter.
• Noninterest Income — Noninterest income improved to $4.7 million, a 14.7% increase year-over-year, driven by higher mortgage loan servicing fees and gains on the sale of SBA loans.

Read the full SB Financial Group, Inc. transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 29 SB Financial Group, Inc. earnings call transcripts on record, spanning January 24, 2020 to July 24, 2026. Based on this history, SB Financial Group, Inc. reports quarterly. The most recent call on file is dated July 24, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

SBFG

Exchange

NasdaqCM

Country

US

Sector

Financials

Industry

Banks

Calls on record

29

First call

January 24, 2020

Most recent

July 24, 2026

Reporting cadence

quarterly