<SEC-DOCUMENT>0001213900-14-008581.txt : 20141125
<SEC-HEADER>0001213900-14-008581.hdr.sgml : 20141125
<ACCEPTANCE-DATETIME>20141125163357
ACCESSION NUMBER:		0001213900-14-008581
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20141125
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20141125
DATE AS OF CHANGE:		20141125

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SB FINANCIAL GROUP, INC.
		CENTRAL INDEX KEY:			0000767405
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				341395608
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-13507
		FILM NUMBER:		141250029

	BUSINESS ADDRESS:	
		STREET 1:		401 CLINTON ST
		CITY:			DEFIANCE
		STATE:			OH
		ZIP:			43512
		BUSINESS PHONE:		4197838930

	MAIL ADDRESS:	
		STREET 1:		401 CLINTON STREET
		STREET 2:		PO BOX 467
		CITY:			DEFIANCE
		STATE:			OH
		ZIP:			43512

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	RURBAN FINANCIAL CORP
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k112514_sbfinancial.htm
<DESCRIPTION>CURRENT REPORT
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<P STYLE="margin-top: 0; text-align: center; margin-bottom: 0">UNITED STATES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">SECURITIES AND EXCHANGE COMMISSION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">Washington, D.C. 20549</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">FORM 8-K</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">CURRENT REPORT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">Pursuant to Section 13 or 15(d) of the Securities
Exchange Act of 1934</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">Date of Report (Date
of earliest event reported): <U> November 25, 2014 (November 25, 2014)</U></P>

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    <TD STYLE="width: 100%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><U>SB FINANCIAL GROUP,
    INC.</U></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center">(Exact name of registrant as specified in its charter)</TD></TR>
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    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; padding-bottom: 1.5pt">&nbsp;</td>
    <TD STYLE="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; text-decoration: underline; text-align: center; border-bottom: Black 1.5pt solid"><font style="font: 10pt Times New Roman, Times, Serif"><U STYLE="text-decoration: none">0-13507</u></font></td>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; padding-bottom: 1.5pt">&nbsp;</td>
    <TD STYLE="width: 32%; padding-right: 5.4pt; padding-left: 5.4pt; text-decoration: underline; text-align: center; border-bottom: Black 1.5pt solid"><font style="font: 10pt Times New Roman, Times, Serif"><U STYLE="text-decoration: none">34-1395608</u></font></td></tr>
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    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">(State or other
jurisdiction of<BR>
 incorporation or organization)</P></td>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</td>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><font style="font: 10pt Times New Roman, Times, Serif">(Commission File Number)</font></td>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</td>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">(IRS Employer<BR>
Identification
No.)</P></td></tr>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0"><U>401 Clinton Street,
Defiance, Ohio 43512</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">(Address of principal executive offices) (Zip
Code)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><U>(419) 783-8950</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">(Registrant&rsquo;s telephone number, including
area code)</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><U>Not Applicable</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">(Former name or former
address, if changed since last report.)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">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:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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    <TD STYLE="width: 4%; padding: 0; text-indent: 0">&#9744;</td>
    <TD STYLE="width: 96%; padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></td></tr>
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    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td></tr>
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    <TD STYLE="padding: 0; text-indent: 0">&#9744;</td>
    <TD STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></td></tr>
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    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td></tr>
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    <TD STYLE="padding: 0; text-indent: 0">&#9744;</td>
    <TD STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></td></tr>
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    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td></tr>
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    <TD STYLE="padding: 0; text-indent: 0">&#9744;</td>
    <TD STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></td></tr>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: -1in"><B>Item 8.01.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other Event.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: -1in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.8in"><B></B>On November 25, 2014, the
Company announced in a press release that its banking subsidiary, The State Bank and Trust Company (&ldquo;State Bank&rdquo;),
has entered into an agreement to purchase the real estate and building for a new office location in Findlay, Ohio. A copy of the
Company&rsquo;s November 25, 2014 press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Item 9.01.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements and Exhibits.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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    <TD STYLE="width: 92%; padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">Not Applicable</font></td></tr>
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    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td></tr>
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    <TD STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">(b)&nbsp;&nbsp;</font></td>
    <TD STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">Not Applicable</font></td></tr>
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    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td></tr>
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    <TD STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">(c)</font></td>
    <TD STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">Not Applicable</font></td></tr>
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    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td></tr>
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    <TD STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">(d)</font></td>
    <TD STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">Exhibits</font></td></tr>
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    <TD STYLE="width: 10%; padding-top: 0; padding-right: 0; border-bottom: Black 1.5pt solid; padding-left: 0; text-decoration: underline; text-align: center; text-indent: 0; vertical-align: bottom"><font style="font: 10pt Times New Roman, Times, Serif"><U STYLE="text-decoration: none">Exhibit No.</u></font></td>
    <TD STYLE="width: 2%; padding: 0 0 1.5pt; text-align: left; text-indent: 0; vertical-align: bottom"><font style="font: 10pt Times New Roman, Times, Serif">&nbsp;</font></td>
    <TD STYLE="width: 80%; padding-top: 0; padding-right: 0; border-bottom: Black 1.5pt solid; padding-left: 0; text-decoration: underline; text-align: left; text-indent: 0; vertical-align: bottom"><font style="font: 10pt Times New Roman, Times, Serif"><U STYLE="text-decoration: none">Description</u></font></td></tr>
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    <TD STYLE="padding: 0; text-align: center; text-indent: 0; background-color: White">&nbsp;</td>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">99.1</font></td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">Press Release issued by SB Financial Group, Inc. on November 25, 2014</font></td></tr>
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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">SIGNATURE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; text-align: left">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.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td>
    <TD COLSPAN="2" STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">SB FINANCIAL GROUP, INC.</font></td></tr>
<tr style="vertical-align: top">
    <TD STYLE="width: 60%; padding: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="width: 4%; padding: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="width: 36%; padding: 0; text-indent: 0">&nbsp;</td></tr>
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    <TD STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">Dated:&nbsp;&nbsp;November 25, 2014</font></td>
    <TD STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">By:&nbsp;</font></td>
    <TD STYLE="padding: 0; text-indent: 0; border-bottom: Black 1.5pt solid"><font style="font: 10pt Times New Roman, Times, Serif">/s/ Anthony V. Cosentino</font></td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">Anthony V. Cosentino</font></td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</td>
    <TD STYLE="padding: 0; text-indent: 0"><font style="font: 10pt Times New Roman, Times, Serif">Chief Financial Officer</font></td></tr>
</table>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0">-3-</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3in; text-indent: -0.25in"></P>

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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>f8k112514ex99i_sbfinancial.htm
<DESCRIPTION>PRESS RELEASE
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3in; text-align: right; text-indent: -0.25in"><B><U>Exhibit 99.1</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3in; text-align: right; text-indent: -0.25in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;<IMG SRC="image_001.jpg" ALT=""></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><B>For Immediate Release</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><B>Investor Contact Information:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: 0">Anthony V. Cosentino</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: 0">Executive Vice President and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: 0">Chief Financial Officer</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: 0">Tony.Cosentino@YourStateBank.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>SB Financial Group, Inc. Announces
New Office Location in Findlay, Ohio</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><I>Real estate transaction expands the Company&rsquo;s
footprint</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><B>DEFIANCE, Ohio, Nov. 25, 2014 -- SB Financial Group, Inc. (NASDAQ:
SBFG)</B> (the &ldquo;Company&rdquo; or &ldquo;SB Financial Group&rdquo;), a diversified financial services company providing full-service
community banking, mortgage banking, wealth management and item processing services, announced today that its banking subsidiary,
The State Bank and Trust Company (&ldquo;State Bank&rdquo;), has entered into an agreement to purchase the real estate and building
for a new office location in Findlay, Ohio. The location is currently operated as a branch of Commercial Savings Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">As a result of the real estate transaction, SB Financial Group and
State Bank will now have a physical banking presence in Findlay. The new office will offer customers the full-range of State Bank
products and services, including consumer and small business banking including SBA lending, mortgage banking, wealth management
and Private Client Services. The Company expects the Findlay office to be fully operational in the first quarter of 2015.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&ldquo;We are excited to open an office in Findlay, and look forward
to the opportunity to address client needs with insight and innovation,&rdquo; said Mark A. Klein, President and CEO of SB Financial
Group. &ldquo;We developed a significant presence in this robust market a number of years ago and are excited to make a return.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">Klein concluded, &ldquo;This new location demonstrates our commitment
to add scale to our franchise in growing markets and add shareholder value.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">Financial details of the real estate transaction were not disclosed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><B>About SB Financial Group</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">Headquartered in Defiance, Ohio, SB Financial Group is
a diversified financial services holding company with two wholly-owned operating subsidiaries: State Bank and RDSI Banking Systems
(RDSI). State Bank provides a full range of financial services for consumers and small businesses, including wealth management,
mortgage banking and commercial and agricultural lending, operating through 15 banking centers in seven Northwestern Ohio counties
and one center in Fort Wayne, Indiana, as well as three loan production offices located in Columbus, Ohio, and Angola, Indiana.
RDSI provides item processing services to community banks located primarily in the Midwest. On April 18, 2013, Rurban Financial
Corp. changed its name to SB Financial Group, Inc. SB Financial Group, Inc.&rsquo;s common stock is listed on the NASDAQ Capital
Market under the symbol SBFG.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><B>Forward-Looking Statements</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">Certain statements within this document, which are not
statements of historical fact, constitute forward-looking statements within the meaning of the Private Securities Litigation Reform
Act of 1995. Forward-looking statements involve risks and uncertainties and actual results may differ materially from those predicted
by the forward-looking statements. These risks and uncertainties include, but are not limited to, risks and uncertainties inherent
in the national and regional banking, insurance and mortgage industries, competitive factors specific to markets in which SB Financial
Group and its subsidiaries operate, future interest rate levels, legislative and regulatory actions, capital market conditions,
general economic conditions, geopolitical events, the loss of key personnel and other factors. Additional factors that could cause
results to differ from those described above can be found in the Company&rsquo;s Annual Report on Form 10-K and documents subsequently
filed by SB Financial Group with the Securities and Exchange Commission. Forward-looking statements speak only as of the date on
which they are made, and SB Financial Group undertakes no obligation to update any forward-looking statement to reflect events
or circumstances after the date on which the statement is made, except as required by law. All subsequent written and oral forward-looking
statements attributable to SB Financial Group or any person acting on its behalf are qualified by these cautionary statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0">&nbsp;</P>

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