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<import namespace="http://xbrl.sec.gov/dei/2014-01-31" schemaLocation="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd"/>
<import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
<import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd"/>
<import namespace="http://fasb.org/us-types/2017-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2017/elts/us-types-2017-01-31.xsd"/>
<element name="DocumentAndEntityInformationAbstract" id="sbfg_DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="MortgageServicingRights" id="sbfg_MortgageServicingRights" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="InterestIncomeLoanTaxable" id="sbfg_InterestIncomeLoanTaxable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="InterestIncomeLoanTaxExempt" id="sbfg_InterestIncomeLoanTaxExempt" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="RestrictedStockVestingCash" id="sbfg_RestrictedStockVestingCash" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DividendCommonStockPerShareAmount" id="sbfg_DividendCommonStockPerShareAmount" type="num:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DividendPreferredStockPerShareAmount" id="sbfg_DividendPreferredStockPerShareAmount" type="num:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="IncreaseDecreaseInInterestPayableAndOtherOperatingLiabilitiesConcept" id="sbfg_IncreaseDecreaseInInterestPayableAndOtherOperatingLiabilitiesConcept" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NetIncreaseDecreaseInDemandDepositsMoneyMarketInterestCheckingAndSavingsAccounts" id="sbfg_NetIncreaseDecreaseInDemandDepositsMoneyMarketInterestCheckingAndSavingsAccounts" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="TransferOfLoansToForeclosedAssets" id="sbfg_TransferOfLoansToForeclosedAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="SecuritiesTextBlock" id="sbfg_SecuritiesTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="MortgageServicingRightsAbstract" id="sbfg_MortgageServicingRightsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="MortgageServicingRightsTextBlock" id="sbfg_MortgageServicingRightsTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="SummaryOfNewlyRestructuredLoansByTypeOfModificationTableTextBlock" id="sbfg_SummaryOfNewlyRestructuredLoansByTypeOfModificationTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NetEarningsAllocatedToCommonShares" id="sbfg_NetEarningsAllocatedToCommonShares" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NetEarningsAllocatedToParticipatingSecurities" id="sbfg_NetEarningsAllocatedToParticipatingSecurities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DividendsOnConvertiblePreferredShares" id="sbfg_DividendsOnConvertiblePreferredShares" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="NetIncomeAllocatedToCommonSharesAndParticipatingSecurities" id="sbfg_NetIncomeAllocatedToCommonSharesAndParticipatingSecurities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DilutiveEffectOfStockCompensation" id="sbfg_DilutiveEffectOfStockCompensation" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DilutiveEffectOfConvertibleShares" id="sbfg_DilutiveEffectOfConvertibleShares" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="EarningsPerShareTextualAbstract" id="sbfg_EarningsPerShareTextualAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost1" id="sbfg_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost1" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AvailableForSaleMortgageBackedSecuritiesMoneyMarketMutualFundAndEquitySecuritiesAmortizedCost" id="sbfg_AvailableForSaleMortgageBackedSecuritiesMoneyMarketMutualFundAndEquitySecuritiesAmortizedCost" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AvailableForSaleMortgageBackedSecuritiesMoneyMarketMutualFundAndEquitySecuritiesFairValue" id="sbfg_AvailableForSaleMortgageBackedSecuritiesMoneyMarketMutualFundAndEquitySecuritiesFairValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="SecuritiesTextualAbstract" id="sbfg_SecuritiesTextualAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AvailableForSaleSecuritiesInvestmentPercentage" id="sbfg_AvailableForSaleSecuritiesInvestmentPercentage" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AgriculturalFarmlandPortfolioSegmentMember" id="sbfg_AgriculturalFarmlandPortfolioSegmentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoansAndLeasesReceivableNetReportedAmountComponentsByCategoryOneAbstract" id="sbfg_LoansAndLeasesReceivableNetReportedAmountComponentsByCategoryOneAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="CommercialAndIndustrialPortfolioSegmentMember" id="sbfg_CommercialAndIndustrialPortfolioSegmentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="CommercialReConstructionPortfolioSegmentMember" id="sbfg_CommercialReConstructionPortfolioSegmentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="CreditRatingCategoryAxis" id="sbfg_CreditRatingCategoryAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem"/>
<element name="CreditRatingCategoryDomain" id="sbfg_CreditRatingCategoryDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoanGradeOneToTwoPassMember" id="sbfg_LoanGradeOneToTwoPassMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoanGradeThreePassMember" id="sbfg_LoanGradeThreePassMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoanGradeFourPassMember" id="sbfg_LoanGradeFourPassMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LossMember" id="sbfg_LossMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="CreditRiskProfileOfCompanyLoanPortfolioBasedOnRatingCategoryAbstract" id="sbfg_CreditRiskProfileOfCompanyLoanPortfolioBasedOnRatingCategoryAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FinancingReceivableRecordedInvestmentsPastDueAbstract" id="sbfg_FinancingReceivableRecordedInvestmentsPastDueAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="AllImpairedLoansMember" id="sbfg_AllImpairedLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ImpairedLoanActivityAbstract" id="sbfg_ImpairedLoanActivityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ImpairedFinancingReceivableWithNoRelatedAllowanceRecordRelatedAllowance" id="sbfg_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordRelatedAllowance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ImpairedFinancingReceivableWithSpecificAllowanceRecordedRelatedAllowance" id="sbfg_ImpairedFinancingReceivableWithSpecificAllowanceRecordedRelatedAllowance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FinancingReceivableNumberOfContracts" id="sbfg_FinancingReceivableNumberOfContracts" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FinancingReceivableModification" id="sbfg_FinancingReceivableModification" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="LoansAndAllowanceForLoanLossesTextualAbstract" id="sbfg_LoansAndAllowanceForLoanLossesTextualAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ImpairedLoansWhichIncludedInGroupsOfHomogenousLoans" id="sbfg_ImpairedLoansWhichIncludedInGroupsOfHomogenousLoans" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="MortgageServicingRightsCapitalizedAndAmortizationAbstract" id="sbfg_MortgageServicingRightsCapitalizedAndAmortizationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="CapitalizedMortgageServicingRightsMsrs" id="sbfg_CapitalizedMortgageServicingRightsMsrs" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="MortgageServicingRightsTextualAbstract" id="sbfg_MortgageServicingRightsTextualAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DerivativeFinancialInstrumentsTextualAbstract" id="sbfg_DerivativeFinancialInstrumentsTextualAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="InterestRateContractsAssetsMember" id="sbfg_InterestRateContractsAssetsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="InterestRateContractsLiabilitiesMember" id="sbfg_InterestRateContractsLiabilitiesMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FairValueMeasurementsOfSecuritiesMeasuredAtFairValueOnRecurringBasisAbstract" id="sbfg_FairValueMeasurementsOfSecuritiesMeasuredAtFairValueOnRecurringBasisAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ImpairedLoansMember" id="sbfg_ImpairedLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="MortgageServicingRightsMember" id="sbfg_MortgageServicingRightsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FairValueMeasurementsOfAssetsMeasuredAtFairValueOnNonRecurringBasisAbstract" id="sbfg_FairValueMeasurementsOfAssetsMeasuredAtFairValueOnNonRecurringBasisAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="CollateralDependentImpairedLoansMember" id="sbfg_CollateralDependentImpairedLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="UnobservableInputsAxis" id="sbfg_UnobservableInputsAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem"/>
<element name="UnobservableInputsDomain" id="sbfg_UnobservableInputsDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ComparabilityAdjustmentsPercentMember" id="sbfg_ComparabilityAdjustmentsPercentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="MarketabilityDiscountMember" id="sbfg_MarketabilityDiscountMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="DiscountRateMember" id="sbfg_DiscountRateMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ConstantPrepaymentRateMember" id="sbfg_ConstantPrepaymentRateMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="PAndIEarningsCreditMember" id="sbfg_PAndIEarningsCreditMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="TAndIEarningsCreditMember" id="sbfg_TAndIEarningsCreditMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="InflationForCostOfServicingMember" id="sbfg_InflationForCostOfServicingMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="QuantitativeInformationAboutUnobservableInputsUsedInRecurringAndNonrecurringFairValueMeasurementsAbstract" id="sbfg_QuantitativeInformationAboutUnobservableInputsUsedInRecurringAndNonrecurringFairValueMeasurementsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FairValueMeasurementsUnobservableInputDescription" id="sbfg_FairValueMeasurementsUnobservableInputDescription" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FairValueInputInterestRate" id="sbfg_FairValueInputInterestRate" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="EstimatedFairValueByBalanceSheetGroupingAbstract" id="sbfg_EstimatedFairValueByBalanceSheetGroupingAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="FederalReserveAndFederalHomeLoanBankStock" id="sbfg_FederalReserveAndFederalHomeLoanBankStock" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="TrustPreferredSecurities" id="sbfg_TrustPreferredSecurities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
<element name="StockIncentivePlanMember" id="sbfg_StockIncentivePlanMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ShareBasedCompensationTextualAbstract" id="sbfg_ShareBasedCompensationTextualAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="MaximumNumberOfCommonSharePermitsUnderStockIncentivePlan" id="sbfg_MaximumNumberOfCommonSharePermitsUnderStockIncentivePlan" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
<element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalShares" id="sbfg_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalShares" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
</schema>
