SB FINANCIAL GROUP, INC.

For the period ended Dec 31, 2025. Filed Mar 6, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 6, 2026

SBFG$28.25-0.6%Stored close · as of Nov 9, 2026

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Contents

Item 2. Properties

The Company’s principal executive offices are located at 401 Clinton Street, Defiance, Ohio. State Bank owns this facility, with a portion of the facility utilized as a retail banking center. In addition, State Bank owns the land and buildings occupied by 24 of its banking centers and leases three other properties used as banking centers. The Company also occupies office space from various parties for loan production and other business purposes on varying lease terms. There is no outstanding mortgage debt on any of the properties which are owned by State Bank.

Listed below are the banking centers, loan production offices and service facilities of the Company and their addresses, all of which are located in Allen, Defiance, Delaware, Franklin, Fulton, Hancock, Henry, Lucas, Ottawa, Paulding, Warren, Williams and Wood counties of Ohio; Allen, Hamilton and Steuben counties of Indiana; and Wayne County of Michigan:

SB Financial Group, Inc. Property List as of December 31, 2025

($ in thousands)	Description/Address	Leased/ Owned	Total Deposits 12/31/25
Main Banking Center & Corporate Office
401	Clinton Street, Defiance, OH	Owned	$327,688
Banking Centers/Drive-Thru’s
1419	West High Street, Bryan, OH	Owned	63,704
510	Third Street, Defiance, OH (Drive-thru)	Owned	N/A
1600	North Clinton Street, Defiance, OH	Leased	35,795
312	Main Street, Delta, OH	Owned	20,151
4080	West Dublin Granville Road, Dublin, OH	Owned	87,163
104	North Michigan Avenue, Edgerton, OH	Owned	6,431
201	East Lincoln Street, Findlay, OH	Owned	24,449
408	South Main Street Suite A, Findlay, OH	Leased	209
12832	Coldwater Road, Fort Wayne, IN	Owned	32,768
1232	North Main Street, Bowling Green, OH	Owned	28,883
235	Main Street, Luckey, OH	Owned	31,588
133	East Morenci Street, Lyons, OH	Owned	25,262
930	West Market Street, Lima, OH	Owned	72,253
1201	East Main Street, Montpelier, OH	Owned	43,275
218	North First Street, Oakwood, OH	Owned	25,964
220	North Main Street, Paulding, OH	Owned	88,159
610	East South Boundary Street, Perrysburg, OH	Owned	12,905
119	South State Street, Pioneer, OH	Owned	41,004
6401	Monroe Street, Sylvania, OH	Owned	64,258
709	W Main Street, Marblehead, OH	Owned	37,312
259	S Bridge Road, Marblehead, OH	Owned	9,822
311	Main Street, Walbridge, OH	Owned	27,421
101	North Michigan Street, Edon, OH	Owned	73,083
1379	North Shoop Avenue, Wauseon, OH	Owned	115,370
1414	North Scott St, Suite 120, Napoleon, OH	Leased	1,873
307	North Wayne Street, Angola, IN	Owned	10,453
Loan Production Offices
10100	Lantern Road, Suite 240, Fishers, IN	Leased	N/A
94	Granville Street, Gahanna, OH	Owned	N/A
9313	Mason-Montgomery Road, Suite 125, Mason, OH	Leased	N/A
1900	Monroe Street, Suite 108, Toledo, OH	Leased	N/A
Service Facilities (SBT/ SBFG Title)
9275	Haggerty Road, Belleville, MI	Leased	N/A
125	West Butler Street, Bryan OH	Owned	N/A
9101	Antares Avenue, Columbus, OH	Owned	N/A
1911	Baltimore Road, Defiance, OH	Leased	N/A
Total deposits			$1,307,244

SB Captive operates from office space located at 101 Convention Center Dr., Suite 850, Las Vegas, NV 89109.

The Company’s subsidiaries have several noncancellable leases for business use that expire over the next five years. Aggregate rental expense for these leases was $0.3 million and $0.2 million for the years ended December 31, 2025, and 2024, respectively.

Future minimum lease payments under operating leases are:

($ in thousands)
2026	$308
2027	271
2028	187
2029	178
2030	120
Thereafter	407
Total minimum lease payments	$1,470

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.