SB Financial Group Reports Strong Q4 and Full-Year 2025 Results

CEO calls it 'one of the strongest earnings quarters and year in our history' despite mortgage industry headwinds

Jan. 31, 2026 at 9:55am

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SB Financial Group (NASDAQ:SBFG) reported fourth quarter and full-year 2025 results that reflected continued execution across the franchise, with CEO Mark Klein highlighting it as 'one of the strongest earnings quarters and year in our history' despite ongoing pressure on mortgage activity across the industry. The company reported net income of $3.9 million and diluted EPS of $0.63 for the quarter, up 15% year-over-year, driven by growth in net interest income, loan volume, and deposits.

Why it matters

SB Financial Group's robust financial performance in 2025, marked by growth in key areas like net interest income, loans, and deposits, demonstrates the company's ability to navigate industry challenges and maintain profitability. As a community bank serving the Midwest region, SB Financial Group's results provide insight into the health of the local economy and the bank's competitive positioning.

The details

For the fourth quarter, SB Financial reported net interest income of $12.7 million, up nearly 17% year-over-year, and total operating revenue of $16.4 million, up 6.3% year-over-year. Loan growth was $70 million, or 25% annualized, in the quarter, and $133.9 million, or 12.8%, for the full year. Deposit growth was $45 million, or 14% annualized, in the quarter, and nearly $155 million, or 13%, for the full year. The company's mortgage originations were $72.4 million in the quarter, down from the prior-year period but higher than the linked quarter, and $278 million for the full year, about 28% below budget but more than 8% higher than the prior year.

  • SB Financial Group reported fourth quarter and full-year 2025 results.
  • The company's fourth quarter results were reported on January 31, 2026.

The players

SB Financial Group

A bank holding company for Star Financial Bank, a full-service community bank headquartered in Fort Wayne, Indiana.

Mark Klein

CEO of SB Financial Group, who called the company's 2025 results 'one of the strongest earnings quarters and year in our history'.

Tony Cosentino

CFO of SB Financial Group, who provided details on the company's financial performance and outlook.

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