SB Financial Group, Inc. (SBFG): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de la banca regional, SB Financial Group, Inc. (SBFG) surge como una potencia estratégica, entrelazando servicios financieros innovadores con un compromiso profundamente arraigado con las soluciones impulsadas por la comunidad. Al elaborar meticulosamente un modelo de negocio que equilibra la sofisticación tecnológica con las experiencias personalizadas de los clientes, SBFG se ha posicionado como un jugador distintivo en el ecosistema financiero de Ohio, ofreciendo banca integral, inversión y servicios digitales que satisfacen las necesidades matizadas de empresas locales, individuos e individuos e individuos e individuos e individuos Entidades municipales.

SB Financial Group, Inc. (SBFG) - Modelo de negocios: asociaciones clave

Colaboraciones bancarias locales y regionales

SB Financial Group mantiene asociaciones estratégicas con instituciones financieras regionales en todo el noroeste de Ohio. A partir de 2024, la compañía ha establecido acuerdos de colaboración con 12 bancos comunitarios locales.

Tipo de socio	Número de asociaciones	Cobertura geográfica
Bancos comunitarios	12	Región del noroeste de Ohio
Instituciones financieras regionales	8	Ohio y los estados circundantes

Asociaciones de proveedores de tecnología

SB Financial Group colabora con los principales proveedores de tecnología para mejorar las capacidades de banca digital.

• Jack Henry & Asociados para sistemas bancarios centrales
• Fiserv para soluciones de pago digital
• Microsoft Azure para infraestructura en la nube

Socios de inversión y gestión de patrimonio

La compañía tiene alianzas estratégicas con empresas de inversión para expandir los servicios de gestión de patrimonio.

Tipo de socio	Detalles de la asociación	Activos bajo administración
Raymond James Financial	Servicios de asesoramiento de inversiones	$ 127.5 millones
LPL Financial	Plataforma de gestión de patrimonio	$ 98.3 millones

Asociaciones de la compañía de seguros

SB Financial Group mantiene asociaciones con proveedores de seguros para ofrecer productos financieros integrales.

• Seguro nacional
• Grupo de seguros de agricultores
• Libertad Mutual

Asociaciones de desarrollo comunitario

La compañía apoya activamente el desarrollo económico regional a través de asociaciones estratégicas comunitarias.

Organización	Enfoque de asociación	Inversión anual
Cámara de Comercio Regional de Toledo	Desarrollo económico	$250,000
Agencia de Desarrollo del Noroeste de Ohio	Soporte de pequeñas empresas	$175,000

SB Financial Group, Inc. (SBFG) - Modelo de negocio: actividades clave

Servicios bancarios comerciales y personales

A partir del cuarto trimestre de 2023, SB Financial Group informó activos totales de $ 2.1 mil millones. El banco opera 17 oficinas bancarias en el noroeste de Ohio y el noreste de Indiana.

Categoría de servicio bancario	Volumen total (2023)
Cuentas corrientes comerciales	$ 487 millones
Cuentas de ahorro personal	$ 612 millones
Cuentas de depósito de negocios	$ 356 millones

Préstamo hipotecario y origen de préstamos

En 2023, SBFG originó $ 215 millones en volumen total de préstamos.

• Préstamos hipotecarios residenciales: $ 142 millones
• Préstamos inmobiliarios comerciales: $ 73 millones

Asesoramiento de inversión y gestión de patrimonio

SBFG administra aproximadamente $ 450 millones en activos de gestión de patrimonio al 31 de diciembre de 2023.

Servicio de inversión	Activos totales bajo administración
Planificación de jubilación	$ 189 millones
Carteras de inversión personal	$ 261 millones

Desarrollo de la plataforma de banca digital

En 2023, SBFG invirtió $ 2.3 millones en actualizaciones de tecnología de banca digital.

• Usuarios de la aplicación de banca móvil: 38,500
• Transacciones bancarias en línea: 1.2 millones anuales

Gestión de riesgos y consultoría financiera

SBFG mantiene un Marco integral de gestión de riesgos con $ 36 millones asignados a estrategias de cumplimiento y mitigación de riesgos en 2023.

Categoría de gestión de riesgos	Monto de la inversión
Infraestructura de cumplimiento	$ 18 millones
Medidas de ciberseguridad	$ 12 millones
Sistemas de informes regulatorios	$ 6 millones

SB Financial Group, Inc. (SBFG) - Modelo de negocio: recursos clave

Equipo experimentado de gestión financiera

A partir de 2024, el liderazgo de SB Financial Group incluye:

Posición	Nombre	Años de experiencia
Presidente & CEO	Mark Klein	Más de 25 años
director de Finanzas	James Hatfield	Más de 20 años

Infraestructura bancaria digital

Capacidades de banca digital a partir de 2024:

• Plataforma de banca en línea que atiende a más de 42,000 usuarios digitales activos
• Aplicación de banca móvil con más de 35,000 usuarios activos mensuales
• Volumen de transacción digital: $ 214 millones anualmente

Red de sucursales regionales

Distribución de ramas físicas:

Estado	Número de ramas	Ubicaciones de sucursales totales
Ohio	26	26
Regiones circundantes	4	4

Sistemas de gestión de relaciones con el cliente

Especificaciones del sistema CRM:

• Plataforma CRM patentada que cubre el 95% de las interacciones del cliente
• Puntos de datos del cliente rastreado: 47 métricas únicas
• Tasa de retención de clientes: 88.5%

Soluciones de tecnología financiera

Detalles de la infraestructura tecnológica:

Tipo de tecnología	Inversión	Año de implementación
Software bancario central	$ 3.2 millones	2023
Sistemas de ciberseguridad	$ 1.7 millones	2024

SB Financial Group, Inc. (SBFG) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos locales

A partir del cuarto trimestre de 2023, SB Financial Group proporciona a los servicios bancarios activos totales de $ 2.18 mil millones y préstamos totales de $ 1.65 mil millones, dirigidos a empresas locales e individuos en el noroeste de Ohio.

Segmento de clientes	Total de clientes	Tamaño promedio del préstamo
Pequeñas empresas	3,742	$487,000
Consumidores individuales	28,613	$276,500

Tasas de interés competitivas y productos financieros

Tasas de interés para productos financieros clave a partir de enero de 2024:

• Tasas de préstamo comercial: 6.25% - 8.75%
• Tasas hipotecarias personales: 6.50% - 7.25%
• Cuenta de ahorro personal: 3.15% APY
• Certificado de tasas de depósito: 4.25% - 5.10%

Servicio al cliente receptivo y basado en relaciones

Métrico de servicio	Actuación
Tiempo promedio de interacción con el cliente	12.5 minutos
Calificación de satisfacción del cliente	4.6/5
Tiempo de respuesta de la rama	2.3 días

Capacidades integrales de banca digital y móvil

Métricas bancarias digitales: El 72% de los clientes usan banca móvil, con 68,412 usuarios de banca digital activo a diciembre de 2023.

• Descargas de aplicaciones móviles: 42,567
• Volumen de transacciones en línea: 1.2 millones mensuales
• Tasa de apertura de la cuenta digital: 35% de las cuentas nuevas

Enfoque local de toma de decisiones y enfocados en la comunidad

Inversión comunitaria	Cantidad
Préstamos comerciales locales	$ 412 millones
Inversiones de desarrollo comunitario	$ 18.7 millones
Contribuciones caritativas locales	$ 1.2 millones

SB Financial Group, Inc. (SBFG) - Modelo de negocios: relaciones con los clientes

Gestión de la relación bancaria personal

A partir de 2024, SB Financial Group mantiene 18 ubicaciones bancarias de servicio completo en el noroeste de Ohio y el noreste de Indiana. El banco atiende a aproximadamente 35,000 cuentas de clientes con un enfoque personalizado para la banca de relación.

Segmento de clientes	Estrategia de gestión de relaciones	Valor de cuenta promedio
Banca personal	Consulta financiera personalizada	$87,500
Banca de negocios	Gerentes de relaciones dedicadas	$425,000

Plataformas de autoservicio en línea y móviles

Soporte de plataformas de banca digital de SB Financial Group:

• El 97% de las transacciones de banca móvil completadas sin intervención de sucursales
• El uso de la plataforma digital aumentó un 22% en 2023
• Las descargas de aplicaciones móviles alcanzaron 15.200 en 2024

Compromiso comunitario y apoyo local

SB Financial Group invirtió $ 275,000 en programas de apoyo comunitario local durante 2023, con participación directa en 42 iniciativas de desarrollo económico local.

Gerentes de relaciones dedicadas para clientes comerciales

Categoría de clientes de negocios	Número de gerentes dedicados	Tamaño promedio de la cartera de clientes
Pequeño negocio	8	$ 12.5 millones
Empresas del mercado medio	5	$ 47.3 millones

Servicios regulares de asesoramiento financiero y consulta

En 2024, SB Financial Group realizó:

• 2.750 sesiones de asesoramiento financiero individual
• 385 consultas de planificación financiera comercial
• Duración de consulta promedio: 1.2 horas

SB Financial Group, Inc. (SBFG) - Modelo de negocios: canales

Ubicaciones de ramas físicas en Ohio

A partir de 2024, SB Financial Group opera 23 ubicaciones de ramas físicas en todo el noroeste de Ohio, específicamente concentrado en:

Región	Número de ramas
Condado de madera	8
Condado de Lucas	6
Condado de Henry	4
Condado de Fulton	3
Otros condados	2

Sitio web de banca en línea

La plataforma bancaria en línea de SB Financial Group proporciona Servicios de banca digital Con las siguientes características:

• Gestión de cuentas
• Transferencias de fondos
• Pago de facturas
• Historial de transacciones
• Declaraciones electrónicas

Aplicación de banca móvil

La aplicación de banca móvil es compatible más de 15,000 usuarios activos con capacidades que incluyen:

• Depósito de cheque móvil
• Alertas de cuenta en tiempo real
• Controles de tarjetas
• Pagos de pares

Atención al cliente basada en el teléfono

Canal de soporte	Horas de funcionamiento	Tiempo de respuesta promedio
Línea directa de servicio al cliente	8:00 am - 6:00 pm EST	Menos de 3 minutos
Soporte fuera de horario	Servicios automatizados	Disponibilidad 24/7

Redes de redes de cajeros automáticos y redes bancarias de terceros

SB Financial Group proporciona acceso a través de:

• 15 ubicaciones de cajeros automáticos patentados
• Red de Allpoint con Más de 55,000 cajeros automáticos en todo el país
• Red de sucursales compartidas con 5,000 más ubicaciones de cooperativas de crédito

SB Financial Group, Inc. (SBFG) - Modelo de negocios: segmentos de clientes

Empresas pequeñas a medianas en Ohio

Base de clientes comerciales totales en Ohio: 987 relaciones activas de banca comercial a partir del cuarto trimestre de 2023.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Fabricación	215	$ 1.2 millones
Servicios minoristas	342	$650,000
Servicios profesionales	430	$475,000

Clientes de banca minorista individual

Total de clientes minoristas de banca: 42,563 al 31 de diciembre de 2023.

• Cuentas corrientes personales: 28,764
• Cuentas de ahorro personal: 22,189
• Usuarios bancarios en línea: 31,425
• Usuarios de banca móvil: 26,879

Gobierno local y entidades municipales

Relaciones bancarias municipales totales: 67 clientes gubernamentales activos en la región del noroeste de Ohio.

Tipo de entidad	Número de clientes	Depósitos municipales totales
Gobiernos del condado	12	$ 43.6 millones
Municipios municipales	38	$ 29.4 millones
Distritos escolares	17	$ 18.2 millones

Negocios agrícolas y agrícolas

Total de los clientes de la banca agrícola: 412 CLIENTES ACTIVOS AGRÍCULA Y AGRÍCULO.

• Clientes de cultivo de cultivos: 276
• Clientes de cultivo de ganado: 89
• Clientes de agricultura lechera: 47
• Tamaño promedio del préstamo agrícola: $ 1.7 millones

Inversores individuales de alto nivel de red

Segmento total de clientes de alto nivel de red: 879 clientes con activos superiores a $ 1 millón.

Categoría de inversión	Número de clientes	Activos totales bajo administración
Gestión de patrimonio	412	$ 687.3 millones
Banca privada	267	$ 423.6 millones
Aviso de inversión	200	$ 312.9 millones

SB Financial Group, Inc. (SBFG) - Modelo de negocio: Estructura de costos

Operación de rama y gastos de mantenimiento

A partir del cuarto trimestre de 2023, los costos de mantenimiento de la sucursal de SB Financial Group fueron de $ 3.2 millones anuales. La compañía opera 41 ubicaciones de sucursales totales en Ohio e Indiana.

Categoría de gastos	Costo anual
Alquiler/arrendamiento de la instalación	$ 1.45 millones
Utilidades	$620,000
Equipo de rama	$425,000
Mantenimiento	$655,000

Investmentos en infraestructura tecnológica e plataforma digital

En 2023, SBFG invirtió $ 2.7 millones en infraestructura tecnológica.

• Actualizaciones del sistema bancario central: $ 1.1 millones
• Mejoras de ciberseguridad: $ 650,000
• Plataforma de banca digital: $ 550,000
• Desarrollo de aplicaciones de banca móvil: $ 400,000

Salarios y beneficios de los empleados

La compensación total de los empleados para 2023 fue de $ 22.3 millones.

Componente de compensación	Costo anual
Salarios base	$ 16.8 millones
Seguro médico	$ 3.2 millones
Beneficios de jubilación	$ 1.7 millones
Bonos de rendimiento	$600,000

Costos de cumplimiento regulatorio y gestión de riesgos

Los gastos de cumplimiento para 2023 totalizaron $ 1.9 millones.

• Consultoría legal y regulatoria: $ 750,000
• Software de cumplimiento: $ 450,000
• Tarifas de auditoría externa: $ 400,000
• Programas de capacitación: $ 300,000

Gastos de marketing y adquisición de clientes

El presupuesto de marketing para 2023 fue de $ 1.5 millones.

Canal de marketing	Gasto
Publicidad digital	$625,000
Medios tradicionales	$425,000
Patrocinios comunitarios	$250,000
Campañas de correo directo	$200,000

SB Financial Group, Inc. (SBFG) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de las carteras de préstamos

Para el año fiscal 2023, SB Financial Group informó $ 33.5 millones en ingresos por intereses netos. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo total del préstamo	Tasa de interés promedio
Préstamos comerciales	$ 412.6 millones	6.25%
Hipotecas residenciales	$ 276.3 millones	5.75%
Préstamos al consumo	$ 89.4 millones	7.15%

Tarifas de préstamos hipotecarios

Las tarifas de préstamo hipotecario para 2023 totalizaron $ 4.2 millones, con la siguiente estructura de tarifas:

• Tarifas de origen: $ 2.7 millones
• Tarifas de refinanciación: $ 1.1 millones
• Tarifas de servicios hipotecarios: $ 0.4 millones

Cargos de servicio de inversión y gestión de patrimonio

Los ingresos de gestión de patrimonio para 2023 alcanzaron $ 7.8 millones:

Categoría de servicio	Ganancia	Activos bajo administración
Aviso financiero	$ 3.6 millones	$ 245 millones
Gestión de inversiones	$ 2.9 millones	$ 186 millones
Planificación de jubilación	$ 1.3 millones	$ 92 millones

Tarifas de transacción bancaria digital

Las tarifas de transacción bancaria digital para 2023 ascendieron a $ 2.1 millones:

• Transacciones bancarias en línea: $ 1.3 millones
• Tasas de banca móvil: $ 0.5 millones
• Transferencias de fondos electrónicos: $ 0.3 millones

Ingresos de gestión de activos y servicios de asesoramiento

Los ingresos de gestión de activos para 2023 fueron $ 5.6 millones:

Tipo de servicio	Ganancia	Segmento de clientes
Gestión de activos corporativos	$ 3.2 millones	Clientes comerciales
Asesoramiento de activos personales	$ 1.9 millones	Individuos de alto patrimonio
Asesoramiento institucional	$ 0.5 millones	Inversores institucionales

SB Financial Group, Inc. (SBFG) - Canvas Business Model: Value Propositions

Diversified financial services: One-stop shop for banking, mortgage, wealth, and title.

SB Financial Group, Inc. offers a full suite of services through State Bank & Trust Company and SBFG Title, LLC dba Peak Title. You get full-service community banking, mortgage banking, wealth management, private client services, and title insurance all under one umbrella.

The firm operates through 26 offices: 24 in ten Ohio counties and one in Fort Wayne, Indiana, plus loan production offices across the Tri-State region of Ohio, Indiana, and Michigan.

Deep, high-touch client relationships in local Tri-State markets.

The business model emphasizes serving consumers and small businesses locally. The integration of the Marblehead Bank deposits has remained largely intact since the January merger, showing strong relationship retention. The company is also expanding its physical presence, entering new markets like Napoleon, Ohio.

Consistent loan growth, marking six consecutive quarters of sequential growth.

The focus on disciplined lending has paid off. Loan growth over the prior year quarter was $80.6 million, which is 7.8%. This performance marks the sixth consecutive quarter of sequential loan growth. Total loans stood at $1.11 billion as of September 30, 2025.

Strong asset quality with criticized and classified loans declining by 18% YOY.

Asset quality remains a key strength. In the first quarter of 2025, criticized and classified loans showed a reduction of $1.5 million, or 18%, year-over-year. By the third quarter of 2025, nonperforming assets (NPA) were $4.9 million, representing 0.32% of total assets. The Allowance for Credit Losses (ACL) to total loans was 1.44%, providing 345% coverage of nonperforming loans.

Expanded wealth management offerings via new strategic partnership.

SB Financial Group, Inc. is strengthening its wealth management segment by transitioning to a new strategic partnership with Advisor Alpha (also referred to as Advisory Alpha). This move is intended to bring an expanded suite of materials and additional CFP professionals to benefit current and future clients. Assets Under Care surpassed $3.5 billion as of Q3 2025.

Here's a quick look at the Q3 2025 financial snapshot supporting these value drivers:

Metric	Amount/Rate	Context
Total Loans (as of 9/30/2025)	$1.11 billion	Total loan portfolio size.
Sequential Loan Growth Quarters	Six	Demonstrates consistent lending momentum.
Loan Growth (YoY Q3 2025)	$80.6 million or 7.8%	Year-over-year loan portfolio expansion.
Criticized/Classified Loans Decline (YoY Q1 2025)	18%	Direct measure of asset quality improvement.
Nonperforming Assets (NPA) (Q3 2025)	$4.9 million (0.32% of assets)	Indicates low level of troubled assets.
Net Interest Income (Q3 2025)	$12.3 million	Up 21% year-over-year.
Assets Under Care	Over $3.5 billion	Scale of the wealth management offering.

The core value proposition is supported by several operational achievements:

• Net income reached $4 million in Q3 2025.
• Marked 59th consecutive quarter of profitability.
• Net Interest Margin (NIM) held at 3.48% for Q3 2025.
• Title Revenue year-to-date contribution up $400,000, or 32%.
• Internal referrals provided 28% of total title company revenue year-to-date.

Finance: draft 13-week cash view by Friday.

SB Financial Group, Inc. (SBFG) - Canvas Business Model: Customer Relationships

SB Financial Group, Inc. (SBFG) maintains a relationship-based model, which management states continues to guide how they serve and grow the franchise. This focus is particularly evident in the successful integration following the Marblehead acquisition, where the company reported little to no customer attrition following the transition. The company operates through a network that includes 26 offices and multiple ATMs across Ohio and Indiana, plus seven loan production offices throughout the Tri-State region of Ohio, Indiana, and Michigan.

The commitment to personalized service is reflected in the ongoing refinement of their hybrid office model, which blends personalized in-market service with flexible digital and remote engagement to strengthen client connectivity. The company is actively working to reduce client churn and deliver a more intentional palette of banking services.

The success of the relationship focus translates into balance sheet growth metrics as of the third quarter of 2025:

Metric	Value (Q3 2025)	Change/Context
Total Loans	$1.111B	Up 7.8% Year-over-Year (YoY)
Total Deposits	$1.263B	Up 8.9% YoY, with $51M from Marblehead integration
Organic Deposit Growth	4.5%	Excluding Marblehead impact in Q3 2025
Loan Growth (Sequential)	$15-$20M	Management guidance for Q4 2025 loan growth
Assets Under Care	Over $3.5B	Comprising $1.5B bank assets, $1.5B residential servicing, and over $60.563B wealth assets

The structure supporting lending and deposit relationships involves dedicated regional production teams. The company's efforts in this area helped drive loan growth over the prior year quarter by approximately $80.6 million, marking the sixth consecutive quarter of sequential loan growth. The focus on regional leadership and staffing levels is intended to oversee growth while driving EPS performance higher.

SB Financial Group, Inc. is enhancing its digital self-service options, including working to deliver an enhanced client's online banking experience. While specific SB Financial Group, Inc. remote deposit capture statistics for 2025 aren't detailed, the broader U.S. context shows that 16% of users make deposits via digital channels in 2025, and 77% of consumers prefer to manage accounts through a mobile app or computer.

• Title Revenue year-to-date contribution was up $400,000, or 32%, in Q3 2025.
• Internal referrals provided 28% of total title company revenue in Q3 2025.
• The core deposit base grew just under 5% in the first quarter of 2025, for an annualized growth rate of 15% when excluding public funds and the Marblehead book.
• The company reported its 59th consecutive quarter of profitability as of Q3 2025.

SB Financial Group, Inc. (SBFG) - Canvas Business Model: Channels

You're looking at how SB Financial Group, Inc. (SBFG) gets its products and services to its customers as of late 2025. This is a mix of old-school, face-to-face banking and modern digital access, which is typical for a community-focused financial holding company.

The physical footprint remains a core channel, anchored by The State Bank & Trust Company's established presence across Ohio and Indiana. You need to know the scale of this physical reach to understand their local market penetration.

Channel Component	Metric	Latest Reported Figure (as of late 2025)
Retail Branch Network (Total Offices)	Number of Physical Offices	26
Retail Branch Network (Geographic Split)	Offices in Ohio Counties	24
Retail Branch Network (Geographic Split)	Offices in Northeast Indiana	2
Loan Production Offices (LPOs)	Number of LPOs in Tri-State Region (OH, IN, MI)	5
ATM Network	Total Number of ATMs	26

The physical offices are the primary touchpoint for relationship banking, but SB Financial Group, Inc. uses specialized offices to drive lending activity. These Loan Production Offices (LPOs) are strategically placed throughout the Tri-State region of Ohio, Indiana, and Michigan to originate business without necessarily housing full-service branch operations.

Digital Channels are essential for modern convenience, even for a community bank. They provide the necessary self-service options that customers expect today. This channel includes the standard suite of digital tools.

• Online banking portal for account management.
• Mobile app for on-the-go access and transactions.
• Online education center for customer resources.

The digital offering supports the physical network; it doesn't replace it, which is a key part of their strategy to maintain local connection while offering efficiency. It's about meeting the customer where they are, whether that's in person or on their phone.

The Internal Referral System is a crucial, often less visible, channel that drives cross-selling between the bank and its subsidiary, Peak Title. This is where the structure of the holding company directly impacts revenue diversification. For the nine months ending in the third quarter of 2025, this internal flow was significant.

Here's the quick math on that internal channel performance:

• Internal referrals provided 28% of total title company revenue year-to-date 2025.

This metric shows that the commercial lenders referring business to Peak Title is a material revenue driver for the title insurance segment. The title insurance revenue itself contributed to noninterest income, which totaled $4.2 million in the third quarter of 2025. Still, you have to remember that the LPO network is what feeds the commercial lending pipeline, which then feeds the title referrals.

SB Financial Group, Inc. (SBFG) - Canvas Business Model: Customer Segments

SB Financial Group, Inc. serves a broad base of individual and corporate customers primarily across Ohio and Indiana.

The consumer segment is explicitly targeted across all generational cohorts, with strategic initiatives focused on identifying the preferences of Gen Z, Millennials, Gen X, Boomers, and Silent generations to drive lower-cost deposit acquisition in 2025.

The overall deposit base reflects the trust placed by these customers, showing a rise of nearly $103 million or 9% in total deposits year-over-year as of the third quarter of 2025. Organic deposit growth for the same period was 4.5%. Total bank assets stood at $1.5 billion as of the third quarter of 2025.

Small and medium-sized businesses (SMBs) are a core focus for State Bank, which provides a full range of financial services to them.

Commercial lending relationships are segmented, with specific metrics available for major categories as of mid-2025:

Loan/Capital Segment	Metric as of Q2/Q3 2025	Value
Commercial Real Estate (CRE) Loans	Year-over-year growth (as of Q2 2025)	approximately $91 million
Commercial Real Estate (CRE) Loans	Percentage of Regulatory Capital (as of Q3 2025)	just 2.03%
Commercial & Industrial (C&I) Loans	Year-over-year change (as of Q2 2025)	declined by $3.4 million
Agricultural Loans	Year-over-year change (as of Q2 2025)	declined by $3.4 million

Agricultural businesses and farmers are served through agricultural lending products. The loan portfolio saw a year-over-year decline of $3.4 million in agricultural loans as of the second quarter of 2025.

Public Fund entities contribute to the deposit base, evidenced by the overall growth in deposits. The successful integration of Marblehead Bank added $51 million in deposits, which remained largely intact. The total loan portfolio increased by approximately $80.6 million, or 7.8%, over the prior year quarter ending September 30, 2025, marking the sixth consecutive quarter of sequential loan growth.

The company also serves clients through specialized services, which implies distinct high-net-worth or corporate segments:

• Wealth management assets under care surpassed $60.563 billion as of the third quarter of 2025.
• Private client services are offered.
• Title insurance services are provided through Peak Title, which closed 564 transactions year-to-date in Q2 2025.

Finance: draft 13-week cash view by Friday.

SB Financial Group, Inc. (SBFG) - Canvas Business Model: Cost Structure

The Cost Structure for SB Financial Group, Inc. (SBFG) is heavily influenced by the cost of funding its balance sheet and the operational expenses associated with its physical and digital footprint across Ohio and Indiana.

Interest Expense: This is a primary cost component. For the first half of 2025, Interest Expense totaled $12.4 million. This figure reflects the cost of deposits and other interest-bearing liabilities used to fund earning assets.

Operating Expenses: Total Operating Expense for the third quarter of 2025 was reported at $11,498 thousand, or $11.498 million. This represented a sequential decrease of approximately 3% compared to the linked quarter. Management guided for fourth quarter 2025 Noninterest Expense (NIE) to be around $11.5 million.

Personnel Costs: These costs cover salaries and benefits for staff supporting the community banking, mortgage banking, wealth management, and title insurance services. SB Financial Group, Inc. maintains a physical presence through 26 offices across Ohio and Indiana. For the nine months ended September 30, 2025, total noninterest expense growth, excluding one-time merger costs, was 9.5% year-to-date.

Technology Costs: Investment in core systems, such as the relationship with Fiserv, and ongoing digital platform enhancements are necessary to maintain competitive service delivery. These fall within the broader noninterest expense category, which management noted was up 4.5% year-over-year in Q3 2025, driven by salaries, equipment, and professional fees.

Occupancy and Equipment Costs: These cover the fixed and variable costs associated with the physical branch network of 26 offices. These costs are bundled within the overall noninterest expense structure.

Here's a look at the key expense and revenue drivers for the nine months ended September 30, 2025, compared to the prior year period:

Financial Metric (9M Ended Sep 30, 2025)	Amount (USD)	Year-over-Year Change
Consolidated Operating Revenue	$49.1 million	Increase of 18.5%
Net Interest Income (NII)	$35.7 million	Up $6.7 million
Total Noninterest Income	$13.4 million	Increased by $0.9 million
Total Interest Expense (H1 2025)	$12.4 million	N/A (H1 data provided)

The cost of funding, reflected in Interest Expense, is managed by a lower average rate on interest-bearing liabilities, which was 2.33% for the first nine months of 2025, down from 2.52% in the prior year first nine months.

The operational efficiency is tracked by the efficiency ratio, which stood at 69.0% in Q3 2025. This ratio is calculated by dividing noninterest expense by total operating revenue.

Key components contributing to the noninterest expense include:

• Salaries and benefits for staff across 26 offices.
• Equipment costs related to the branch network and internal operations.
• Professional fees, which are part of the 4.5% year-over-year noninterest expense increase in Q3 2025.
• Technology investments in core systems and digital platforms.

Finance: draft 13-week cash view by Friday.

SB Financial Group, Inc. (SBFG) - Canvas Business Model: Revenue Streams

You're looking at the core ways SB Financial Group, Inc. brings in money as of late 2025. The business model heavily relies on traditional banking income, but fee-based services are definitely adding to the top line.

Net Interest Income remains the primary engine. For the third quarter of 2025, this figure reached $12.3 million, which is a solid 21% increase year-over-year (YOY) from the $10.2 million reported in the third quarter of 2024. This growth is directly tied to the balance sheet expansion; loan growth for the quarter was $80.6 million, or 7.8% YOY, marking the sixth consecutive quarter of sequential loan growth. Loan income topped $16 million for the second quarter in a row.

The interest earned comes from a diversified lending base. Here's a quick look at the key drivers and performance metrics around that loan interest:

Loan Category Focus	Growth/Yield Context	Related Metric
Commercial Loans	Focus area for future growth	Loan growth of $80.6 million YOY
Mortgage Loans	Contributes to overall loan income	Loan yields reached a high of 5.95% in Q3 2025
Agricultural Loans	Area with growth opportunities due to hiring	Earning asset yield up 18 basis points to 5.31%
Consumer Loans	Part of the diversified portfolio	Net Interest Margin held at 3.48%

Next up is Noninterest Income, which totaled $4.2 million in Q3 2025, showing a 2.9% increase from the prior-year quarter. This income stream is supported by several distinct fee-based services that help diversify SB Financial Group, Inc.'s revenue base.

The components driving this noninterest income include:

• Gains on sales of mortgage loans.
• Loan servicing fees, which added $914,000 in Q3 2025.
• Title insurance revenue, up nearly $400,000 or 32% year-to-date.
• Wealth management fees.
• General customer service fees.

Specifically regarding mortgage-related revenue, the net mortgage banking revenue for the quarter was $1.5 million. Furthermore, the company's mortgage servicing rights increased by nearly $1 million or 7% over the first nine months of 2025, translating to an additional $175,000 in annual revenue for 2025. It's defintely a mix of traditional banking and service fees that keeps the revenue stream flowing.