UNITED STATES ~~SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549~~

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT ~~Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934~~

~~Date~~Pursuant ofto ~~Report~~Section 13 OR 15(~~Date~~d) of ~~earliest~~The ~~event~~Securities ~~reported) July~~Exchange ~~29,~~Act ~~2025~~of ~~(July 25, 2025)~~1934

Date of Report (Date of earliest event reported) October 17, 2025 (October 17, 2025)

SB FINANCIAL GROUP, INC

(Exact name of registrant as specified in its charter)

Ohio		001-36785		34-1395608
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

401 Clinton Street, Defiance, OH		43512
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code (419) 783-8950

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule ~~1 4a~~14a- 12 under the Exchange Act (17 CFR 240.~~1 4a~~14a- 12)

☐ Pre-commencement communications pursuant to Rule ~~1 4d~~14d-2(b) under the Exchange Act (17 CFR 240.~~1 4d~~14d-2(b))

☐ Pre-commencement communications pursuant to Rule ~~1 3e~~13e-4(c) under the Exchange Act (17 CFR 240.~~1 3e~~13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading symbol(s)		Name of each exchange on which registered
Common Shares, No Par Value 6,307,895 Outstanding at October 17, 2025		SBFG		The NASDAQ Stock Market, LLC (NASDAQ Capital Market)

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

~~Securities~~Item ~~registered~~7.01. ~~pursuant to~~Regulation ~~Section~~FD ~~12(b) of the Act:~~Disclosure.

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Shares, No Par Value 6,352,152 Outstanding at July 29,2025		SBFG		The NASDAQ Stock Market, LLC (NASDAQ Capital Market)

On October 17, 2025, SB Financial Group, Inc. (the “Company”) issued a press release announcing that its Board of Directors has declared a quarterly shareholder dividend of $0.155 per share. The dividend is payable on November 28, 2025 to all common shareholders of record as of November 14, 2025.

~~Item~~The 2information on this item 7.0201, including Exhibit 99.1 ~~Results~~furnished ofherewith, ~~Operations~~is being furnished and ~~Financial~~shall ~~Condition~~not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities of that Section, nor shall such information be deemed to be incorporated by reference in any registration statement or other document filed under the Securities Act of 1933 (the “Securities Act”) or the Exchange Act, except as otherwise stated in such filing.

On July 25, 2025, SB Financial Group, Inc. (the “Company”) hosted a conference call and webcast to discuss its financial results for the second quarter ending June 30, 2025. A copy of the transcript for the conference call and webcast is furnished as Exhibit 99.1 and is incorporated herein by reference.

The information in this Item 2.02, including Exhibit 99.1 furnished herewith, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities of that Section, nor shall such information be deemed to be incorporated by reference in any registration statement or other document filed under the Securities Act of 1933 or the Exchange Act, except as otherwise stated in such filing.

Item 9.01. Financial Statements and Exhibits.

(a) Not Applicable

(b) Not Applicable

(d) Exhibits

Exhibit No.		Description
99.1		~~Transcript~~Press ofrelease ~~conference~~issued ~~call~~by ~~and~~SB ~~webcast~~Financial ~~conducted~~Group, Inc. on ~~July~~October 2517, 2025, announcing a quarterly shareholder dividend.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	SB FINANCIAL GROUP, INC.
Dated: July 29, 2025	By:	/s/ Anthony V. Cosentino
Dated: October 17, 2025	By:	/s/ Anthony V. Cosentino
		Anthony V. Cosentino
		Chief Financial Officer

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INDEX TO EXHIBITS

Current Report on Form 8-K

Dated ~~July~~October 2917, 2025

SB Financial Group, Inc.

Exhibit No.		Description
99.1		~~Transcript~~Press ofrelease ~~conference~~issued ~~call~~by ~~and~~SB ~~webcast~~Financial ~~conducted~~Group, Inc. on ~~July~~October 2517, 2025, announcing a quarterly shareholder dividend.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

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