SB Financial Group, Inc. (FRA:9KH)

SB Financial Group Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	65.44	57.36	51.89	38.57	38.17
Interest Income on Investments	8.48	6.99	6.26	6	3.74
Total Interest Income	73.92	64.35	58.15	44.57	41.9
Interest Paid on Deposits	22.49	21.04	14.71	3.48	3.13
Interest Paid on Borrowings	2.98	3.39	4.17	1.69	0.89
Total Interest Expense	25.47	24.43	18.88	5.17	4.02
Net Interest Income	48.45	39.92	39.27	39.4	37.88
Net Interest Income Growth (YoY)	21.37%	1.65%	-0.32%	4.00%	5.44%
Trust Income	3.54	3.51	3.53	3.73	3.81
Gain (Loss) on Sale of Investments	-	-	1.45	-	-
Other Non-Interest Income	8.7	8.76	8.75	8.36	6.03
Total Non-Interest Income	17.4	16.98	17.77	16.95	27.26
Non-Interest Income Growth (YoY)	2.47%	-4.47%	4.83%	-37.82%	-19.06%
Revenues Before Loan Losses	65.85	56.9	57.04	56.35	65.15
Provision for Loan Losses	1.31	0.12	0.32	-	1.05
Revenue	64.54	56.77	56.73	56.35	64.1
Revenue Growth (YoY)	13.68%	0.08%	0.67%	-12.08%	-1.56%
Salaries and Employee Benefits	25.84	23.7	22.73	24.19	26.56
Occupancy Expenses	3.31	2.68	2.91	2.8	2.86
Selling, General & Administrative	13.67	12.97	12.34	11.91	11.8
Other Non-Interest Expense	4.18	3.61	3.98	3.42	3.59
Total Non-Interest Expense	47	42.96	41.96	42.31	44.81
EBT Excluding Unusual Items	17.54	13.82	14.77	14.04	19.29
Asset Writedown	-0.29	0.04	-0.05	1.28	3.44
Pretax Income	17.26	13.86	14.72	15.32	22.72
Income Tax Expense	3.28	2.39	2.62	2.8	4.45
Net Income	13.97	11.47	12.1	12.52	18.28
Preferred Dividends & Other Adjustments	-	0.03	0.03	0.03	0.02
Net Income to Common	13.97	11.44	12.07	12.49	18.26
Net Income Growth	21.83%	-5.17%	-3.40%	-31.49%	22.30%
Basic Shares Outstanding	6	7	7	7	7
Diluted Shares Outstanding	6	7	7	7	7
Shares Change (YoY)	-4.37%	-3.43%	-2.27%	-5.46%	-6.61%
EPS (Basic)	2.19	1.72	1.77	1.78	2.45
EPS (Diluted)	2.19	1.72	1.75	1.77	2.44
EPS Growth	27.54%	-1.88%	-1.13%	-27.40%	30.61%
Dividend Per Share	0.600	0.560	0.520	0.480	0.419
Dividend Growth	7.14%	7.69%	8.33%	14.56%	9.97%
Effective Tax Rate	19.02%	17.22%	17.82%	18.25%	19.57%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.