SB Financial Group, Inc. (SBFG): Marketing Mix Analysis [Dec-2025 Updated]

You're looking for a clear, unvarnished look at SB Financial Group, Inc.'s market position as we close out 2025, and I've got the breakdown. Forget the fluff; the firm is showing real traction, evidenced by their 59th consecutive profitable quarter and a Q3 Adjusted EPS of $0.68 that easily topped expectations. This success stems from a deliberate strategy: blending deep community roots in Ohio and Indiana with smart moves like the Q1 acquisition of Marblehead Bank. Here's the quick math: their diversified product set, from mortgages to wealth management, is being supported by strategic expansion and clear communication, like their recent inclusion in the Russell 3000 Index. Dive in below to see the precise mechanics of their Product, Place, Promotion, and Price strategy.

SB Financial Group, Inc. (SBFG) - Marketing Mix: Product

You're looking at the core offerings of SB Financial Group, Inc. as of late 2025. The product suite centers on comprehensive community banking and diversified financial services, built on the foundation of The State Bank and Trust Company and SBFG Title, LLC dba Peak Title.

Full-service community banking includes the foundational deposit products. As of the third quarter of 2025, total deposits stood at $1.263 billion. This reflects a year-over-year increase of $103 million, or 8.9%, with organic deposit growth contributing $52.1 million over the prior year period. Honestly, maintaining core deposit strength is key when funding costs are a debate point.

The lending portfolio is diversified across key segments. SB Financial Group, Inc. offers commercial, consumer, agricultural, and residential mortgage loans. Total loans reached $1.111 billion by the end of Q3 2025, marking six consecutive quarters of sequential loan growth. This represented a year-over-year increase of $80.6 million, or 7.8%. For context on mortgage activity, the bank originated $205.3 million of mortgage loans during the first nine months of 2025.

The product set is intentionally diversified to generate non-interest income, a strategy that paid off in recent quarters. Title insurance, provided via Peak Title, is a key component. For the first nine months of 2025, SBFG Title contributed revenue of $1.52 million. Total noninterest income for the third quarter of 2025 was $4.244 million, though this figure saw a sequential dip due to a mortgage servicing rights impairment of approximately $460,000 in that quarter.

Wealth management and private client services round out the offering. As of March 31, 2025, the company bolstered its assets under management in the wealth management division by over $45 million, bringing the total to $548 million, which was a 9.2% increase year-over-year. This division, along with brokerage services, supports asset management for both individuals and corporate employee benefit plans.

Here's a quick view of the key product-related financial metrics as of late 2025 reporting periods:

SB Financial Group, Inc. also provides personalized banking products. You can expect to find:

• Checking and savings accounts.
• Time certificates of deposit.
• Personal and corporate trust services.
• Internet banking and Remote Deposit capture.
• Bank credit card and commercial leasing options.

The strategic focus on lending includes specific areas of growth. Management plans to maintain a loan growth rate of 7.8%, with a focus on expanding commercial real estate and agricultural lending. The hiring of experienced agricultural lenders supports this specific product push.

SB Financial Group, Inc. (SBFG) - Marketing Mix: Place

The Place strategy for SB Financial Group, Inc. centers on a deliberate, hybrid approach, blending a physical branch network with robust digital capabilities to serve its core markets in Ohio and Indiana, while actively pursuing expansion.

The brick-and-mortar footprint, as reported around the second quarter of 2025, consists of a total of 26 offices. This physical presence is concentrated with 24 offices located across ten Ohio counties and two offices situated in Northeast, Indiana. Complementing these branches are 26 ATMs available for customer access. This network supports the core community banking model. The company also maintains specialized outreach through its loan production offices.

The distribution of lending activity is supported by seven loan production offices strategically positioned throughout the Tri-State region, specifically covering Ohio, Indiana, and Michigan. This structure allows SB Financial Group, Inc. to pursue commercial and agricultural lending opportunities beyond the immediate branch footprint. Furthermore, the company is actively executing its expansion plan, preparing to descend upon the new adjacent market of Napoleon, Ohio, and Henry County, where management intends to aggressively pursue the approximately $800 million in deposits in that market. This move follows recent strategic entries, including into Angola, Indiana. The company is retrofitting existing offices to align resources with current activity levels as part of this growth strategy.

The physical network is intentionally complemented by digital channels. SB Financial Group, Inc. utilizes a hybrid office model that combines personalized in-market service with flexible digital and remote engagement. Customers have access to digital tools such as Remote Deposit, Online BillPay, and Online Banking. This digital layer helps enhance efficiency across the entire footprint.

A key recent development enhancing the physical distribution was the successful closing of the acquisition of Marblehead Bancorp, Inc. on January 17, 2025. This transaction immediately expanded SB Financial Group, Inc.'s market presence into Ottawa County, Ohio, through the merger of The Marblehead Bank into State Bank and Trust Company. The acquisition added $56 million in deposits and $19 million in loans to the balance sheet at that time, bringing the combined organization's asset base to approximately $1.4 billion.

Here's a quick look at the scale of the physical and strategic distribution points as of mid-to-late 2025:

The firm's distribution strategy is clearly focused on deepening penetration in its existing Ohio/Indiana corridor while using strategic M&A and new LPO openings to capture adjacent market share. You see this commitment in the following areas:

• Operates 26 offices and 26 ATMs across Ohio and Indiana.
• Maintains seven loan production offices in the Tri-State region.
• Acquired Marblehead Bank, adding presence in Ottawa County, Ohio.
• Preparing entry into Napoleon, Ohio, targeting $800 million in local deposits.
• Leverages digital channels to support the physical footprint.

SB Financial Group, Inc. (SBFG) - Marketing Mix: Promotion

Promotion activities for SB Financial Group, Inc. focus on investor engagement, reinforcing the community bank ethos, digital outreach, and capitalizing on corporate milestones.

Investor relations focus is executed through structured events following financial reporting. For the third quarter of 2025, SB Financial Group, Inc. scheduled a conference call and webcast on Friday, October 31, 2025, at 11:00 a.m. EDT, following the release of results on October 30, 2025. Interested parties could access the call by dialing 888-338-9469 or via the live webcast at ir.yourstatebank.com.

The community bank model underpins relationship-driven customer service, supported by a physical footprint across the Midwest. SB Financial Group, Inc. operates through its subsidiary, The State Bank & Trust Company, which maintains 26 offices across ten Ohio counties and one in Indiana, alongside 25 ATMs. Furthermore, the company has seven loan production offices located throughout Ohio, Indiana, and Michigan.

Digital promotion includes the use of an Online Education Center to promote e-services adoption. The center features video series content to educate customers on services such as Remote Deposit, Online BillPay, Online Banking, and ID Theft Prevention.

Corporate visibility received a boost when SB Financial Group, Inc. was named to the Russell 3000 Index on June 30, 2025. This inclusion, determined by market capitalization rankings as of April 30, 2025, means membership in the Russell 3000 Index remains in place for one year. The Russell 3000 Index measures the performance of the largest 3,000 US companies.

Public communication highlights strong operational performance. SB Financial Group, Inc. announced its 59th consecutive quarter of profitability in the Q3 2025 release.

Key financial metrics communicated publicly from the Q3 2025 performance include:

The company also noted that total operating revenue for Q3 2025 reached $16.58 million, a 15.9% increase year-over-year.

Additional promotional communication points from recent quarters include:

• Adjusted Diluted Earnings Per Share (DEPS) for Q1 2025 was $0.42.
• Q1 2025 loan growth was 9.8% year-over-year, or $96.7 million.
• Loan growth for Q4 2024 was 4.7% from the prior-year quarter, or $46.5 million.
• Q4 2024 diluted EPS was $0.55.

SB Financial Group, Inc. (SBFG) - Marketing Mix: Price

You are looking at the pricing component of SB Financial Group, Inc. (SBFG) performance as of late 2025, which is heavily influenced by core banking profitability metrics.

For the third quarter of 2025, SB Financial Group, Inc. (SBFG) reported an Adjusted EPS of $0.68, which surpassed the consensus forecast of $0.62.

The Net Interest Margin (NIM) is projected to remain stable around 3.5% for the fourth quarter of 2025, with management guiding to this level through 2026 amid rising deposit competition.

Net interest income for Q3 2025 was $12.3 million, marking a 21% year-over-year increase.

The impact of loan pricing strategies was evident in the first quarter of 2025, where loan growth reached 9.8 percent year-over-year.

Tangible book value per share for SB Financial Group, Inc. (SBFG) stood at $17.21 in Q3 2025.

Here are key pricing-related financial highlights from the Q3 2025 results:

Additional figures supporting the pricing environment include:

• GAAP Diluted EPS for Q3 2025 was $0.64.
• Total operating revenue for Q3 2025 was $16.578 million.
• Total deposits ended Q3 2025 at $1.263 billion.
• The loan-to-deposit ratio was near 88%.
• Nonperforming Assets (NPAs) fell to 0.32% of assets.

The company's focus on disciplined capital management included repurchasing 101,000 shares.