<SEC-DOCUMENT>0001213900-22-023654.txt : 20220503
<SEC-HEADER>0001213900-22-023654.hdr.sgml : 20220503
<ACCEPTANCE-DATETIME>20220503164139
ACCESSION NUMBER:		0001213900-22-023654
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		13
CONFORMED PERIOD OF REPORT:	20220429
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20220503
DATE AS OF CHANGE:		20220503

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:	001-36785
		FILM NUMBER:		22887702

	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>ea159207-8k_sbfinancial.htm
<DESCRIPTION>CURRENT REPORT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8"?>
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:xs="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:dei="http://xbrl.sec.gov/dei/2021q4" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:us-gaap="http://fasb.org/us-gaap/2021-01-31" xmlns:us-roles="http://fasb.org/us-roles/2021-01-31" xmlns:country="http://xbrl.sec.gov/country/2021" xmlns:srt="http://fasb.org/srt/2021-01-31" xmlns:SBFG="http://ir.yourstatebank.com/20220429">
<head>
     <title></title>
<meta http-equiv="Content-Type" content="text/html" />
</head>
<!-- Field: Set; Name: xdx; ID: xdx_02A_US%2DGAAP%2D2021 -->
<!-- Field: Set; Name: xdx; ID: xdx_032_SBFG_ir.yourstatebank.com_20220429 -->
<!-- Field: Set; Name: xdx; ID: xdx_04C_20220429_20220429 -->
<!-- Field: Set; Name: xdx; ID: xdx_05C_edei%2D%2DEntityCentralIndexKey_0000767405 -->
<!-- Field: Set; Name: xdx; ID: xdx_059_edei%2D%2DAmendmentFlag_false -->
<!-- Field: Set; Name: xdx; ID: xdx_06B_USD_1_iso4217%2D%2DUSD -->
<!-- Field: Set; Name: xdx; ID: xdx_062_Shares_2_xbrli%2D%2Dshares -->
<!-- Field: Set; Name: xdx; ID: xdx_06D_USDPShares_3_iso4217%2D%2DUSD_xbrli%2D%2Dshares -->
<body style="font: 10pt Times New Roman, Times, Serif">
<div style="display: none">
<ix:header>
 <ix:hidden>
  <ix:nonNumeric contextRef="From2022-04-29to2022-04-29" name="dei:EntityCentralIndexKey">0000767405</ix:nonNumeric>
  <ix:nonNumeric contextRef="From2022-04-29to2022-04-29" format="ixt:booleanfalse" name="dei:AmendmentFlag">false</ix:nonNumeric>
  </ix:hidden>
 <ix:references>
  <link:schemaRef xlink:href="sbfg-20220429.xsd" xlink:type="simple" />
  </ix:references>
 <ix:resources>
    <xbrli:context id="From2022-04-29to2022-04-29">
      <xbrli:entity>
        <xbrli:identifier scheme="http://www.sec.gov/CIK">0000767405</xbrli:identifier>
      </xbrli:entity>
      <xbrli:period>
        <xbrli:startDate>2022-04-29</xbrli:startDate>
        <xbrli:endDate>2022-04-29</xbrli:endDate>
      </xbrli:period>
    </xbrli:context>
    <xbrli:unit id="USD">
      <xbrli:measure>iso4217:USD</xbrli:measure>
    </xbrli:unit>
    <xbrli:unit id="Shares">
      <xbrli:measure>xbrli:shares</xbrli:measure>
    </xbrli:unit>
    <xbrli:unit id="USDPShares">
      <xbrli:divide>
        <xbrli:unitNumerator>
          <xbrli:measure>iso4217:USD</xbrli:measure>
        </xbrli:unitNumerator>
        <xbrli:unitDenominator>
          <xbrli:measure>xbrli:shares</xbrli:measure>
        </xbrli:unitDenominator>
      </xbrli:divide>
    </xbrli:unit>
  </ix:resources>
 </ix:header>
</div>


<p style="margin: 0; font-family: Times New Roman, Times, Serif"></p>

<!-- Field: Rule-Page --><div style="font-family: Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><div style="border-top: Black 2pt solid; border-bottom: Black 1pt solid; font: 1pt Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></div></div><!-- Field: /Rule-Page -->

<p style="margin: 0; font-family: Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif">&#160;&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif"><b>UNITED
STATES</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif"><b>SECURITIES
AND EXCHANGE COMMISSION</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif"><b>Washington,
D.C. 20549</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif"><b>FORM
<span id="xdx_908_edei--DocumentType_c20220429__20220429_z8o2gzXU6CKl"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" name="dei:DocumentType">8-K</ix:nonNumeric></span></b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">&#160;<b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif"><b>CURRENT
REPORT</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif"><b>Pursuant
to Section 13 OR 15(d) of The Securities Exchange Act of 1934</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">Date
of Report (Date of earliest event reported) <span style="text-decoration: underline">May 3, 2022 (<span id="xdx_90B_edei--DocumentPeriodEndDate_c20220429__20220429_zoFITKAfN9y5"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">April 29, 2022</ix:nonNumeric></span>)</span></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif"><span id="xdx_900_edei--EntityRegistrantName_c20220429__20220429_z3PjqznQZ7w4"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" name="dei:EntityRegistrantName">SB
FINANCIAL GROUP, INC</ix:nonNumeric></span></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">(Exact
name of registrant as specified in its charter)</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <td style="border-bottom: black 1.5pt solid; font-family: Times New Roman, Times, Serif; width: 32%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_902_edei--EntityIncorporationStateCountryCode_c20220429__20220429_z93GVqBF5tld"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" format="ixt-sec:stateprovnameen" name="dei:EntityIncorporationStateCountryCode">Ohio</ix:nonNumeric></span></span></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 2%"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></td>
    <td style="border-bottom: black 1.5pt solid; font-family: Times New Roman, Times, Serif; width: 32%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90B_edei--EntityFileNumber_c20220429__20220429_zQNQfCULbDX2"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" name="dei:EntityFileNumber">0-13507</ix:nonNumeric></span></span></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 2%"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></td>
    <td style="border-bottom: black 1.5pt solid; font-family: Times New Roman, Times, Serif; width: 32%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90A_edei--EntityTaxIdentificationNumber_c20220429__20220429_zGWLJdxDv3o8"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" name="dei:EntityTaxIdentificationNumber">34-1395608</ix:nonNumeric></span></span></td></tr>
  <tr style="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <td style="font-family: Times New Roman, Times, Serif; text-align: center"><p style="font-family: Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(State
                                            or other jurisdiction</span></p>
                                   <p style="font-family: Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">of
                                   incorporation)</span></p></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></td>
    <td style="font-family: Times New Roman, Times, Serif"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">(Commission
                                                           File Number)</span></p></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></td>
    <td style="font-family: Times New Roman, Times, Serif"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">(IRS
    Employer</span></p>
    <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">Identification
    No.)</span></p></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <td style="border-bottom: black 1.5pt solid; font-family: Times New Roman, Times, Serif; width: 49%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90D_edei--EntityAddressAddressLine1_c20220429__20220429_zG1dSRMUGG7l"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" name="dei:EntityAddressAddressLine1">401
    Clinton Street</ix:nonNumeric></span>, <span id="xdx_900_edei--EntityAddressCityOrTown_c20220429__20220429_zvoT4Z5PefGa"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" name="dei:EntityAddressCityOrTown">Defiance</ix:nonNumeric></span>, <span id="xdx_907_edei--EntityAddressStateOrProvince_c20220429__20220429_zRe2RiDjWIDl"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" name="dei:EntityAddressStateOrProvince">OH</ix:nonNumeric></span></span></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 2%; text-align: center"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></td>
    <td style="border-bottom: black 1.5pt solid; font-family: Times New Roman, Times, Serif; width: 49%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_907_edei--EntityAddressPostalZipCode_c20220429__20220429_z2eiee4TIAhd"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" name="dei:EntityAddressPostalZipCode">43512</ix:nonNumeric></span></span></td></tr>
  <tr style="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <td style="font-family: Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Address
    of principal executive offices)</span></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: center"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></td>
    <td style="font-family: Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Zip
    Code)</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">Registrant&#8217;s
telephone number, including area code <span style="text-decoration: underline">(<span id="xdx_904_edei--CityAreaCode_c20220429__20220429_zbWQkQ90JBK4"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" name="dei:CityAreaCode">419</ix:nonNumeric></span>) <span id="xdx_906_edei--LocalPhoneNumber_c20220429__20220429_zxGj5DzsXaBd"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" name="dei:LocalPhoneNumber">783-8950</ix:nonNumeric></span>&#160;</span></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">Not
Applicable</span></p>

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

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif">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):</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <tr style="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <td style="font-family: Times New Roman, Times, Serif; width: 24px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_903_edei--WrittenCommunications_c20220429__20220429_zIQQVkNQG6p1"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" format="ixt:booleanfalse" name="dei:WrittenCommunications">&#9744;</ix:nonNumeric></span></span></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Written
    communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <tr style="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <td style="font-family: Times New Roman, Times, Serif; width: 24px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_901_edei--SolicitingMaterial_c20220429__20220429_zl6sSea7HGL6"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" format="ixt:booleanfalse" name="dei:SolicitingMaterial">&#9744;</ix:nonNumeric></span></span></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Soliciting
    material pursuant to Rule 1 4a- 12 under the Exchange Act (17 CFR 240.1 4a- 12)</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <tr style="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <td style="font-family: Times New Roman, Times, Serif; width: 24px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_900_edei--PreCommencementTenderOffer_c20220429__20220429_zGNnHI64Gc4j"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" format="ixt:booleanfalse" name="dei:PreCommencementTenderOffer">&#9744;</ix:nonNumeric></span></span></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-commencement
    communications pursuant to Rule 1 4d-2(b) under the Exchange Act (17 CFR 240.1 4d-2(b))</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <tr style="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <td style="font-family: Times New Roman, Times, Serif; width: 24px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_905_edei--PreCommencementIssuerTenderOffer_c20220429__20220429_zHyRssmif7Ig"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" format="ixt:booleanfalse" name="dei:PreCommencementIssuerTenderOffer">&#9744;</ix:nonNumeric></span></span></td>
    <td style="font-family: Times New Roman, Times, Serif; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-commencement
    communications pursuant to Rule 1 3e-4(c) under the Exchange Act (17 CFR 240.1 3e-4(c))</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif"><b>&#160;</b></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif">Indicate
by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405
of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif">Emerging
growth company&#160;&#160;<span id="xdx_904_edei--EntityEmergingGrowthCompany_c20220429__20220429_z18Ue8BL9OA"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" format="ixt:booleanfalse" name="dei:EntityEmergingGrowthCompany">&#9744;</ix:nonNumeric></span></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif">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. &#9744;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif">Securities
registered pursuant to Section 12(b) of the Act:</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <tr style="vertical-align: bottom; background-color: White">
    <td style="border-bottom: Black 1.5pt solid; width: 32%; font-weight: bold; text-align: center">Title of each class</td><td style="padding-bottom: 1.5pt; width: 2%; font-weight: bold">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; width: 32%; font-weight: bold; text-align: center; text-indent: 4.15pt">Trading Symbol(s)</td><td style="padding-bottom: 1.5pt; width: 2%; font-weight: bold">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; width: 32%; font-weight: bold; text-align: center">Name of each exchange on which registered</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="text-align: center; padding-bottom: 1.5pt">&#160;<span id="xdx_904_edei--Security12bTitle_c20220429__20220429_z2dsSf79zWH9"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" name="dei:Security12bTitle">Common Shares, No Par Value 7,163,935 Outstanding at May 3, 2022</ix:nonNumeric></span></td><td>&#160;</td>
    <td style="vertical-align: top; text-align: center; padding-bottom: 1.5pt"><span id="xdx_90B_edei--TradingSymbol_c20220429__20220429_zFgOGpZU97Yc"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" name="dei:TradingSymbol">SBFG</ix:nonNumeric></span></td><td>&#160;</td>
    <td style="text-align: center; padding-bottom: 1.5pt"><p style="margin-top: 0; margin-bottom: 0">The <span id="xdx_906_edei--SecurityExchangeName_c20220429__20220429_z9y9SOtYrxPj"><ix:nonNumeric contextRef="From2022-04-29to2022-04-29" format="ixt-sec:exchnameen" name="dei:SecurityExchangeName">NASDAQ</ix:nonNumeric>
</span>Stock Market, LLC (NASDAQ Capital Market)</p></td></tr>
  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<!-- Field: Rule-Page --><div style="margin-top: 0; margin-bottom: 0; width: 100%"><div style="border-top: Black 1pt solid; border-bottom: Black 2pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->

<p style="margin-top: 0; margin-bottom: 0"></p>

<p style="margin-top: 0; margin-bottom: 0">&#160;</p>

<!-- Field: Page; Sequence: 1; Options: NewSection; Value: 1 -->
    <div style="border-bottom: Black 1.5pt solid; margin-top: 12pt; margin-bottom: 6pt"><p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt">&#160;</p></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&#160;</p></div>
    <!-- Field: /Page -->

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif"><span style="text-decoration: underline">Item 2.02.
Results of Operations and Financial Condition</span>.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif">On
April 29, 2022, SB Financial Group, Inc. (the &#8220;Company&#8221;) hosted a conference call and webcast to discuss its financial results
for the first quarter ending March 31, 2022. A copy of the transcript for the conference call and webcast is furnished as Exhibit 99.1
and is incorporated herein by reference.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif">The
information in this Item 2.02, including Exhibit 99.1 furnished herewith, is being furnished and shall not be deemed to be &#8220;filed&#8221;
for purposes of Section 18 of the Securities Exchange Act of 1934 (the &#8220;Exchange Act&#8221;) 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.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif"><span style="text-decoration: underline">Item 9.01.
Financial Statements and Exhibits</span>.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">(a) Not Applicable</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">(b) Not Applicable</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">(c) Not Applicable</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">(d) Exhibits</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; text-align: left">Exhibit No.</td><td style="padding-bottom: 1.5pt">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; text-align: center">Description</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="vertical-align: top; width: 9%; text-align: left">99.1</td><td style="width: 1%; text-align: left">&#160;</td>
    <td style="width: 90%; text-align: left"><a href="ea159207ex99-1_sbfinancial.htm">Transcript of conference call and webcast conducted on April 29, 2022.</a></td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="vertical-align: top; text-align: left">104</td><td style="text-align: left">&#160;</td>
    <td style="text-align: left">Cover Page Interactive Data File (embedded within the Inline XBRL document)</td></tr>
  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>


<!-- Field: Page; Sequence: 2; Options: NewSection; Value: 1 -->
    <div style="border-bottom: Black 1.5pt solid; margin-top: 12pt; margin-bottom: 6pt"><p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence -->-</p></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&#160;</p></div>
    <!-- Field: /Page -->

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">SIGNATURE</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif">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.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <tr style="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <td style="font-family: Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">SB
    FINANCIAL GROUP, INC.</span></td></tr>
  <tr style="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <td style="font-family: Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></td>
    <td colspan="2" style="font-family: Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></td></tr>
  <tr style="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <td style="font-family: Times New Roman, Times, Serif; width: 63%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dated:&#160;&#160;May
    3, 2022</span></td>
    <td style="font-family: Times New Roman, Times, Serif; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:&#160;</span></td>
    <td style="border-bottom: black 1.5pt solid; font-family: Times New Roman, Times, Serif; width: 35%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    Anthony V. Cosentino</span></td></tr>
  <tr style="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <td style="font-family: Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></td>
    <td style="font-family: Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></td>
    <td style="font-family: Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anthony
    V. Cosentino</span></td></tr>
  <tr style="font-family: Times New Roman, Times, Serif; vertical-align: top">
    <td style="font-family: Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></td>
    <td style="font-family: Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></td>
    <td style="font-family: Times New Roman, Times, Serif"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chief
    Financial Officer</span></td></tr>
  </table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>


<!-- Field: Page; Sequence: 3; Value: 1 -->
    <div style="border-bottom: Black 1.5pt solid; margin-top: 12pt; margin-bottom: 6pt"><p style="text-align: center; margin-top: 0pt; margin-bottom: 0pt">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence -->-</p></div>
    <div style="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><p style="margin: 0pt">&#160;</p></div>
    <!-- Field: /Page -->

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: center; text-indent: -1in"><span style="font-family: Times New Roman, Times, Serif">INDEX
TO EXHIBITS</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: center; text-indent: -1in"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: center; text-indent: -1in"><span style="font-family: Times New Roman, Times, Serif">Current
Report on Form 8-K</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: center; text-indent: -1in"><span style="font-family: Times New Roman, Times, Serif">Dated
May 3, 2022</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: center; text-indent: -1in"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: center; text-indent: -1in"><span style="font-family: Times New Roman, Times, Serif">SB
Financial Group, Inc.</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif"><b>&#160;</b></span></p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <tr style="vertical-align: bottom">
    <td style="border-bottom: Black 1.5pt solid; text-align: center">Exhibit No.</td><td style="padding-bottom: 1.5pt">&#160;</td>
    <td style="border-bottom: Black 1.5pt solid; text-align: center">Description</td></tr>
  <tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
    <td style="vertical-align: top; width: 9%; text-align: left">99.1</td><td style="width: 1%; text-align: left">&#160;</td>
    <td style="width: 90%; text-align: left"><a href="ea159207ex99-1_sbfinancial.htm">Transcript of conference call and webcast conducted on April 29, 2022.</a></td></tr>
  <tr style="vertical-align: bottom; background-color: White">
    <td style="vertical-align: top; text-align: left">104</td><td style="text-align: left">&#160;</td>
    <td style="text-align: left">Cover Page Interactive Data File (embedded within the Inline XBRL document)</td></tr>
  </table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif">&#160;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">-<span style="font-family: Times New Roman, Times, Serif">3</span>-</p>

<!-- Field: Rule-Page --><div style="margin-top: 0; margin-bottom: 0; width: 100%"><div style="border-top: Black 1.5pt solid; font-size: 1pt">&#160;</div></div><!-- Field: /Rule-Page -->

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif"></span></p>

</body>
</html>
<!-- Field: Set; Name: xdx; ID: xdx_08B_extensions -->
<!-- eJxFjUEKwjAQRU/QOwxZi6YRF3anRUWsIkXEbbBTCbaZMkmrHslbGlvEYWAY/n//CzESG1qbChkuyzyDE9ZNpT1CjiUy2isGR7rdJRBujjfjPGvr+/cHphQYDMxsHE91EHprZxwWCcjZRKqJUiDnSTyHxV5EXz0lW5oCrTe6Am0LODI1bNBrfg0JJ/0kS/WrrzojO0M2gXgsB/kNSsYKDtTpB/HdQZalIhr1E4kNU9t8a1rnqYZVhXXocgP63+gDEiRJPw== -->
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ea159207ex99-1_sbfinancial.htm
<DESCRIPTION>TRANSCRIPT OF CONFERENCE CALL AND WEBCAST CONDUCTED ON APRIL 29, 2022
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="text-align: right; font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Exhibit
99.1</B></FONT></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; text-align: right; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">SB
Financial Group, Inc.</FONT></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0pt; margin-bottom: 0pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 1.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>



<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">First
Quarter 2022 Conference Call and Webcast</FONT></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0pt; margin-bottom: 0pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 1.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt">Friday,
April 29<SUP>th</SUP>, 2022, 11:00 AM ET</FONT></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0pt; margin-bottom: 0pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 1.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CORPORATE
PARTICIPANTS</B></FONT>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Sarah
Mekus - </B><I>Executive Assistant, Corporate Secretary</I></FONT>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein - </B><I>Chairman, President and CEO</I></FONT></P>

<DIV STYLE="padding: 0pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Tony
Cosentino - </B><I>CFO</I></FONT>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Steve
Walz - </B>Chief Lending Officer</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Friday, April 29<SUP>th</SUP>, 2022, 11:00 AM ET</P>

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

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

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

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Operator</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Good
morning, and welcome to the SB Financial First Quarter 2022 Conference Call and Webcast. I would like to inform you that this conference
call is being recorded and that all participants are in a listen-only mode. We will begin with remarks by management and then open the
conference up to the investment community for questions and answers.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">I
will now turn the conference over to Sarah Mekus with SB Financial. Please go ahead, Sarah.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Sarah
Mekus</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Good
morning, everyone. I would like to remind you that this conference call is being broadcast live over the internet and will be archived
and available on our website at ir.yourstatebank.com. Joining me today are Mark Klein, Chairman, President and CEO; Tony Cosentino, Chief
Financial Officer; and Steve Walz, Chief Lending Officer. This call may contain forward-looking statements regarding SB Financial&rsquo;s
performance, anticipated plans, operational results and objectives.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Forward-looking
statements are based on management&rsquo;s expectations and are subject to a number of risks and uncertainties that could cause actual
results to differ materially from those expressed or advised on our call today. We have identified a number of different factors within
the forward-looking statements at the end of our earnings release, which you are encouraged to review.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SB
Financial undertakes no obligation to update any forward-looking statement except as required by law after the date of this call. In
addition to the financial results presented in accordance with GAAP, this call will also contain certain non-GAAP financial measures.
A reconciliation of GAAP to non-GAAP measures is included in our earnings&nbsp;release. I will now turn the call over to Mr. Klein.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thank
you, Sarah. Good morning, everyone. Welcome. I would like to welcome you to our first quarter 2022 conference call and webcast. Last
night, we issued our earnings for the first quarter, and we were pleased with the start of the year to what we all know may be a challenging
year for many banks. In the midst of these headwinds, we remain focused on expanding households for various scale, more services in those
households and remaining that preferred provider of additional services to our now over 36,000 households.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
the same time, we were especially pleased and honored to be included in KBW Bank on role of high-performing banks for the second year
running now, included in the select group of publicly traded banks, this year one of 17, is a strong statement to our earnings trend
over the last 10 years. Highlights for this quarter include $900,000 pretax mortgage servicing right recapture, and include net income
of $2.81 million, down $4.3 million from the prior year quarter. And when we adjust for non-GAAP impact in 2022, net income was $2.1
million.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Earnings
per share, $0.40, which is reduced to $0.30 per share when adjusting for the servicing rights recapture. Net interest income of $8.5
million, down nearly 12% from the prior year. That was driven by the impact of PPP forgiveness in 2021. Adjusting for the PPP impact
would result in NIM generally flat to the prior year. Loan balances adjusted for PPP were up from the prior year quarter by just over
$56 million, in the linked quarter, $28 million.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Friday, April 29<SUP>th</SUP>, 2022, 11:00 AM ET</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<!-- Field: Page; Sequence: 2; Options: NewSection; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits
continue to grow up $25 million from the linked quarter, $18 million from the prior year. Expense is down $50,000 due to lower mortgage
commissions and higher vacancy levels. Mortgage origination volume, $97 million, down 38% from the prior year, 23% from the linked quarter.
Asset quality metrics were improved from both the prior year and linked quarter, and our level of 42 basis points of nonperforming assets
remains strong.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
were comfortable with a zero provision during the quarter due to our strong asset quality metrics, higher reserve level and negligible
net charge-offs for the quarter. As we conveyed in our annual meeting and many quarters before, we continue to reiterate that future
success of our company is driven by our five key initiatives. Growing and diversifying revenue, more scale with organic growth, and of
course, M&amp;A when opportunistic, more products and services for our client base, excellence in operations and customize client communication
and, of course, asset quality.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First,
revenue diversity. Peak Title continued to provide support for residential mortgage efforts while expanding its reach into more clients
outside of just State Bank. We completed the purchase of that small title agency in Northwest Ohio at the end of 2021 and the integration
into these markets with our lending team has been very well received.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
addition, we now have a commercial lender to complement our existing residential real estate and title insurance business now in Indianapolis.
In fact, we were able to do a bit of commercial title business in the quarter to supplement the decline in residential buy in. To ensure
our commercial traction remains, we have even increased our settings to our lenders to ensure they utilize their own title agency, and
the results are beginning to pay off.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Although
mortgage originations in the quarter were below $100 million, we feel good about the level of production in all of our markets given
the headwinds from rising rates and continued compressed housing inventories. Over the last 12 months, we have still delivered nearly
$550 million in total mortgage origination volume. Our private client group mortgage product we developed in 2021, has enabled us to
book approximately $57 million over the last 13 months, that we would have met us launching this initiative some time ago.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
Wealth Management Group continues to be a key differentiator for our company, particularly as a number of our competitors appear to have
adopted a more remote presence in this high touch business line. Total assets under management ended the quarter at $561 million, and
revenue generated for the quarter was $955,000.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Secondly,
more scale. Loan growth was positive in the quarter as we increased $28 million from the linked quarter, net of PPP or an annualized
13.6%. We now have had positive adjusted loan growth in three of our last four quarters. Compared to prior year, net loans were up 7.1%,
nearly all the way back to our high single-digit, low double-digit rate that was more of the norm for our company pre-pandemic.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pipelines
are building well to our markets. And as I mentioned earlier, we recently named a new market and lending executive in the robust Indianapolis
market. This is a market that fits our product line up well, and we expect to mirror the success that we have had in the Columbus market
over time.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Friday, April 29<SUP>th</SUP>, 2022, 11:00 AM ET</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<!-- Field: Page; Sequence: 3; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our
deposit base expanded to $1.14 billion, up another $18 million from the prior year. With impending rise in rates, we do expect that deposit
pricing will return some normalcy during 2022. Although we still have ample liquidity, our customers have slowly begun to spend, and
we will be focusing on hedging rising rates and continuing to grow deposits, albeit with a mild duration extension and appropriate pricing.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third,
deeper relationships and more scope. We ended the quarter with $1 million remaining in PPP loans. As we look back, we were able to help
a number of our clients and acquire new ones as a result of our flexibility and commitment to assist our business and what those liquidity
needs. Our strategy was to take the majority of $5 million in fees from the program and build our loan loss reserve this past year by
over $4.5 million, increasing it to nearly $14 million.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
it has turned out, the program was certainly a lot of work as we all know for our staff, as it was a significant disruption, but it was
a great one for our franchise, a huge benefit to our clients, and particularly, the 200 prospects that we developed into new clients.
Now that the end of the PPP program is within sight, we have eagerly returned to our traditional 7A SBA lending strategy. In fact, this
quarter delivered gains on sale of $168,000.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Operational
excellence, our fourth thing. Mortgage-financed volumes slowed in the quarter as the movement in rates made the refinance segment of
our strategy certainly less attractive. For the quarter, 14% came from internal refinances, 23% from external refinances and pleased
to report, purchase and construction lending was 63% of our buy in. However, we are encountering low inventory in all our markets and
certainly increased competition for new deals.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expense
levels for the quarter were down from the prior year, clearly having a third less and mortgage volume reduced commission expense. And
last year, we also moved all of our support staff in the mortgage arena to more of a profile compensation model that has realigned our
levels of compensation with our levels of production. We understand that the mortgage business line is highly variable, and our model
continues to be built for $500 million to $600 million in annual volume. We will continue to look for ways to make the business line
more efficient and of course, more profitable.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
we have discussed in prior quarters, the vertical here is not the level of production, but rather the number of producers to achieve
that volume. As such, all of our regional real estate leaders are out recruiting MLOs every day. We think there will continue to be more
disruption in the arena among our competitors. And as we remain committed to the business line, we expect to leverage our products, our
brand and our strong market presence to achieve our production goals.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">And
finally, asset quality. As we revealed last quarter, we were confident that $1.6 million in OREO properties would sell this quarter,
which they have, and their buy in has reduced overall NPAs by nearly $1 million for both the prior year and linked quarters. However,
our level of nonperforming loans has elevated a bit due to the slight increase in our residential loan portfolio. As our communities
have begun to allow the foreclosure process to move forward, we do expect to improve our metrics in the coming quarters. As I stated
earlier, record earnings in 2021 from PPP and mortgage sales allowed us to build our reserve level, which now stands, as I mentioned,
$14 million and 1.62% of loans. Net charge-offs were just $1,000 in the quarter, and we certainly have a runway within our reserves to
easily handle anticipated loan growth throughout the year.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Friday, April 29<SUP>th</SUP>, 2022, 11:00 AM ET</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<!-- Field: Page; Sequence: 4; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Now,
I&rsquo;ll ask Tony to give us a few more details. Tony, if you would on the quarterly performance.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Tony
Cosentino</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thanks,
Mark. Good morning. Again, for the quarter, as Mark stated, we had GAAP net income of $2.8 million or $0.40 per share. And as Mark also
noted, our earnings were impacted by the $900,000 recapture of our prior mortgage servicing rights. As we adjust for this recapture item,
net income would have been $2.1 million for the quarter. Of which those highlights include operating revenue down 30.5% for the prior
year and down 8.9% from the linked quarter. PPP forgiveness and the impact of a slowing mortgage business impacted our results.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Operating
expenses were down nearly 1% from the prior year. The margin revenue was down over the prior quarter due to the $1.3 million decline
in PPP forgiveness revenue. We were able to grow core margin with loan growth and reduced funding costs that helped to offset the rate
declines in the loan portfolio.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Now,
as we break down further the first quarter income statement starting with margin. As I said, net interest income was down 11.9% for the
prior year but would be up 1.8% when we adjust for the PPP forgiveness. Our average loan yield for the quarter of 3.9% decreased by 72
basis points from the prior year, which would be reduced by 43 basis points when PPP is excluded. Loan yield comparisons are impacted
by the fees from the PPP portfolio, which are nearly all realized. As such, we owe nearly $5 billion in fees and interest for the program,
the bulk of which was taken during 2021.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
the funding side, we again reduced the cost of our interest-bearing liabilities from the prior year. For the quarter, the rate on our
interest-bearing liabilities was 39 basis points, which is down from the prior year by 11 basis points and down from the linked quarter
by 1 basis point. Net interest margin of 2.68% was down 53 and 21 basis points from the prior year and linked quarter. Excluding PPP,
margin is down by 25 and 9 basis points, respectively.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Excess
cash on our balance sheet continues to impact our margin, but we are optimistic that expanded loan growth and increased consumer spending
will improve our balance sheet mix. We clearly believe we are at the bottom of the cycle on margins. Total noninterest income of $5.8
million was down $5.1 million or 47% from the prior year, reflecting lower mortgage volume and the $1.8 million negative swing in servicing
rights.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
we remove the impact of the mortgage business line from fee income in both 2022 and 2021, other noninterest income would be up 8.8%.
Total residential gains on sale came in at $1.7 million, which was 2.3% on our sold volume of $72.2 million. As expected, average yield
on loan sales have tightened, and this quarter was equally difficult due to the rapid rise in rates. Our hedge position allowed us to
lower the impact the rate moves, but we feel that this is the bottom of the curve on yields. Our servicing portfolio is now nearly $1.4
billion with over 8,600 loans and provided revenue for the quarter of $862,000.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
market value of our mortgage servicing rights improved significantly this quarter with a calculated fair value of just 105 basis points.
This fair value was up 20 basis points from the prior year and up 12 basis points from the linked quarter. We now have a servicing right
balance of $13.1 million and remaining temporary impairment of $600,000. Rising rates should provide additional momentum for future recapture.
Total operating expenses this quarter were $10.9 million, which were down $50,000 from the prior year and down $780,000 or 6.1% in the
linked quarter. Our headwinds include rising labor costs and technology spend with offsets from open employment positions and production-based
incentive May.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Friday, April 29<SUP>th</SUP>, 2022, 11:00 AM ET</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<!-- Field: Page; Sequence: 5; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Now,
as we turn to the balance sheet, loan outstanding at March 31, 2022, stood at $850 million, which were 63.7% of total assets of the company.
As we have discussed in prior quarters, deposit levels are well beyond expectations and have certainly impacted total asset growth. We
continue to optimize our balance sheet as appropriate and are optimistic that our team of commercial lenders and treasury management
staff will identify additional opportunities to rebalance our asset mix.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
we look at our capital position, we finished the quarter at $132.6 million, which is down $11.3 million or 7.9% from the prior year,
with our equity-to-asset ratio standing at 9.9%. On a per share basis, tangible book value of $15.31 is down compared to the first quarter
of 2021 due to the bond portfolio unrealized loss. If we adjust for ROCE year-over-year tangible book value have increased by 2.6%. Buyback
continued at a brisk pace this quarter with 131,000 shares repurchased at an average price of $19.60.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total
non-performing assets of $5.6 million or 42 basis points were down $900,000 for both per year and the linked quarter. Including in our
numbers, are $700,000 in accruing restructured credit. These restructured loans elevate our nonperforming level by 6 basis points and
absent them, our total nonperforming asset ratio would be reduced to 36 basis points. As Mark indicated, provision expense for the quarter
was zero, and our loan loss reserve was up from the prior year by $500,000 or 3.6%.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">I&rsquo;ll
now turn the call back over to Mark.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thank
you, Tony. A solid start to another year, albeit, with a completely new conversation of higher inflation, higher rates, steepening yield
curve, higher mortgage rates, that will drive more stable operating revenue and add scale and improved asset mix. And into the great
news we received regarding our inclusion in the KBW on rollout, want to conclude with acknowledging the two events this quarter that
have continued our pattern of returning earnings to our shareholder base in a meaningful way.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First,
in February, as you all know, we announced 5% stock dividend. And just this week, we announced a common stock cash dividend of $0.12
per share, which equates to a 30% approximate payout ratio and now a dividend yield of 2.44%. We continue to look for ways to prudently
return capital to our shareholder base.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Now,
I&rsquo;ll turn it back to Sarah for questions.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Sarah
Mekus</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thank
you, and now we&rsquo;re ready for our first question.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>QUESTION
AND ANSWER</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Operator</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thank
you. And as a reminder, ladies and gentlemen if you would like to ask a question, please press star then one. Today&rsquo;s first question
is from Brian Martin at Janney Montgomery.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Friday, April 29<SUP>th</SUP>, 2022, 11:00 AM ET</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

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

<!-- Field: Page; Sequence: 6; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Brian
Martin</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hey,
good morning, guys.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hey,
Brian.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Tony
Cosentino</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Good
morning, Brian.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Brian
Martin</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hey.
Maybe just a couple for me. Just if you talk--maybe just start with just the news on the Indiana expansion or just kind of what the outlook
is there. Can you share a little bit more just on kind of what the plan is there? I missed kind of some of what you said, but just I
heard you&rsquo;re going to Indian and just kind of what capacity and how are you thinking about that over time?</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yeah.
Sure. We&rsquo;ve talked about it for a while, as you all know, we have what, five--well, now, four mortgage producers on the mortgage
side there in Indiana and doing some good work. And we had committed to expanding that region, as well as the Columbus region, and we
now have an individual that has been in that market his entire life, 20-some years in the commercial area with a nice portfolio of PCG
kind of lending balances, and we&rsquo;re happy to have him with us. He has larger bank experience and some community bank experience,
and we&rsquo;re looking for the $67 million growth in the market, Brian, the last half of the year.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Brian
Martin</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Got
you. Okay. And so the plan would be just to build a team around this person? Is that kind of over time what you&rsquo;re thinking?</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yes.
As you know, we started in the Columbus market on the commercial side and then expanded in the residential on this one. We started the
other way around and there&rsquo;s going to be some nice synergies between the group that we have there, that also includes now a title
insurance lady, who is helping us certainly with the expansion of peak Indianapolis, but now also a gentleman, that&rsquo;s going to
be able to tag team, if you will, with our staffs there and the client synergies between all those individuals. We&rsquo;re looking forward
to some great results like we have done in the last, what, 12, 13 years in Columbus.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Brian
Martin</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yeah.
Okay. No, it&rsquo;s exciting. And then maybe just secondly, just high level on, maybe for Tony, or you, Mark, whoever, but just on the
mortgage outlook. Given kind of what we&rsquo;ve seen happen here and just know your model is more of a purchase model, but certainly
benefiting from the refinance activity, just kind of how you&rsquo;re thinking about--you know, the volume change in kind of where the
gain on sale margins are? It sounds like they&rsquo;re obviously a little bit lower across the board to the industry. But just any kind
of context you can provide on that, how you&rsquo;re thinking about it.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yeah,
Brian, Tony will clean all this up, but as you know, we&rsquo;ve dipped our toe in the PCG world, and it&rsquo;s been nice for us. It&rsquo;s
given us some great balances. Much to our chagrin obviously, again on sale, not only the volume is down but the gains as well, but we
continue to expand in the Indianapolis market and certainly, Columbus. But as I mentioned also, we&rsquo;re built for that $500 million
and $600 million. And so we&rsquo;re bringing some additional people on as we speak. And our expectation is we&rsquo;re going to deliver
our numbers, albeit with more people and a variable cost structure, which we like. Tony, some comments?</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Friday, April 29<SUP>th</SUP>, 2022, 11:00 AM ET</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<!-- Field: Page; Sequence: 7; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Tony
Cosentino</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yeah.
I think, Brian, as we look at volume, I do think it&rsquo;s a person play. I do think--you know, generally the market is going to be
down. You know, our numbers are down, call it, 38% on a year-over-year basis, are in line with everybody that&rsquo;s reported as far
as somewhere between 30% and 40%. I do think first quarter is a bit of an anomaly because of the craziness with rates. I do think it
will kind of settle into a 25% kind of year-over-year changeover. So it will be up to us to take advantage of maybe some people that
are backing out.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
the yield side, I do think this has been the bottom of the market. The first quarter was especially tough on pricing. And our hedge is
helping us quite a bit because we have a very good team of lenders that bring--you know, a very high percentage of what we contract to
the finish line, and I think that&rsquo;s very important for us. We&rsquo;ve gotten very good at it, and I do think--you know, that 2.3
number that we had this quarter will trend up. You know, I&rsquo;d like us to get back in the 2.4 to 2.5 range by the end of the year,
and I&rsquo;m hopeful that&rsquo;s where we&rsquo;re trending.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Brian
Martin</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Got
you. Okay. And just to be clear on the volumes, Tony, it was kind of maybe 25% off of, if you look at the base it was in 2021, is that
kind of how you&rsquo;re thinking about--that kind of haircut of the total for &rsquo;21, or it just kind of--</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Tony
Cosentino</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">--yeah.
I mean--you know, we did $700 million in &rsquo;20 and $600 million in &rsquo;21. So kind of a 25%, I&rsquo;d say we&rsquo;re somewhere
in that $450 million to $475 million target range as we look out as we sit today, but that&rsquo;s really all dependent on the denominator.
If we get more people on the ground, I think we have a chance to have that maybe on a higher end in that note.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Brian
Martin</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yeah.
No, that makes sense. Okay. I appreciate it. And you sound, just either one of you, just optimistic on the loan growth front, a couple
of quarters here. Three of the last four had nice positive trends. And just how are you--I guess--I mean, kind of the pipeline sounds
like they&rsquo;re good. I guess, are you optimistic that these kind of trends are sustainable? Or just maybe just any context on what
you&rsquo;re hearing from your customers on loan growth?</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yeah.
Thanks, Brian. Steve is here, and he can certainly make some comments on what he&rsquo;s seeing in the pipeline. But as we&rsquo;ve communicated
for many quarters, we stick to the fundamentals. We make joint calls, we make individual calls. And we know if we stick to those fundamentals,
we&rsquo;re kind of finding some things, albeit, at lower maybe rates than we want. Competition is pretty key, but we&rsquo;re finding
some good traction and the nice thing is, Brian, it&rsquo;s really coming from all the markets. One month we&rsquo;ll have one market
that&rsquo;s making the $5 million contribution, and next month, we&rsquo;ll be drawing $5 million in a different market. So we love
our diversity of our geography. And I know, Steve, we&rsquo;re probably seeing growth generally in everyone&rsquo;s pipelines.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Steve
Walz</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yeah,
absolutely, Mark. I would reiterate exactly what you say about the broad-based growth we&rsquo;ve seen in our footprint, both our rural
markets as well as our urban markets. Solid pipelines, coming out in the fourth quarter, which we realized here in Q1 in our pipelines
today are as good as certainly they were coming out of the fourth quarter. So I feel good about where we are in the second quarter.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Friday, April 29<SUP>th</SUP>, 2022, 11:00 AM ET</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<!-- Field: Page; Sequence: 8; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Brian
Martin</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Okay.
I mean your optimism, maybe I&rsquo;d be that upper single digit, mid to high single-digit growth for the year seems attainable, given where
the pipelines are today and kind of the general outlook?</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Steve
Walz</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">I
think today that&rsquo;s reasonable. We don&rsquo;t--it&rsquo;s hard to anticipate in the third and fourth quarter, what the interest rate
environment may do. Certainly hard to believe we&rsquo;re talking about, but global and what effect they would have on the third and
fourth quarter. But today, what we hear from clients as steady as she goes, and we expect continued loan growth, particularly as assets
become available to borrowers. We still see constraints with equipment supply, labor supply, in some cases, that constrain some of those
opportunities that are merely waiting those supply constraints to be reduced.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">And
Brian, probably maybe as important as anything, management&rsquo;s expectations of growth remain high. And the variable is the amount
of work to get it. So yeah, we&rsquo;re predicated on that high single digit. We love low double digit. We don&rsquo;t want to be at
the top quartile and DM crude in our lending practice, but we remain pretty steadfast in how we do our loans and how we underwrite the
expectations of getting it back. So expectations remain high and that drives a lot of our calling efforts.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Brian
Martin</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yeah.
Okay. No, it sounds good. And I guess maybe just kind of to the margin and the rate hikes and how that impacts things, and maybe just
how you guys are thinking about the mix of the balance sheet today given the elevated level of cash and securities, and just how do things
play out? Does the balance sheet really kind of grow from here? Is it just a remix of--you know, you put this loan growth on, you&rsquo;re
kind of mixing it from the liquidity, but just any context on that? And then how the potential rate increases will influence the margin?</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yeah.
Great question, Brian. I think that all banks are struggling today. As we look at where we were at Q1, net PPP our margin at 2.66, I
think obviously, as low as we&rsquo;ve ever seen it. I&rsquo;m optimistic. We&rsquo;ve got, call it 8% growth in that by the end of this
year, which puts us--you know, kind of on the verge of a 3% margin number. That&rsquo;s obviously contingent on--the biggest part of
that is going to be loan growth, and we&rsquo;re extremely bullish, I would say, about Q2.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
bulk of our portfolio is variable--you know, call it, 78-plus percent, but only about--you know, $130 million, $140 million of that is
just directly related to prime. So we&rsquo;ll get an immediate pop on the $130 million based on the number of rate rises that we have.
And we think there&rsquo;s going to be, call it, 100 to 150 basis points between now and the end of the year. That&rsquo;s kind of where
we&rsquo;ve modeled. And then the rest of the variable portfolio will move over time. So I think--you know, generally, we feel good about
where we are. You know, our current sensitivity is about 11% on a 300-basis point move, which we think is cut it in line with what every
other community bank is on an asset sensitive basis. So I would say that were we kind of are and that&rsquo;s what we&rsquo;re looking
at.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Friday, April 29<SUP>th</SUP>, 2022, 11:00 AM ET</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<!-- Field: Page; Sequence: 9; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Brian
Martin</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Okay.
And how about the mix, Tony? How are you thinking about the balance sheet today in terms of, is it just really remixing and are you still
seeing deposit flows where maybe the balance sheet grows a bit from here? Or is it more just a simplest, you&rsquo;re grow loans and
fund it from that--you know, liquidity that you have to improve to adds to the margin expansion?</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yeah.
I think that&rsquo;s the big question for all of us. I do think deposit growth has peaked. I do think we&rsquo;re going to see a little
bit of opportunistic moves on deposits. You know, we had $100-plus million in cash that we kind of selfishly left on the sidelines because
we had enough up mortgage net income to sustain that. And I think if that money gets moved into predominantly loan side, I don&rsquo;t
anticipate us moving the bond portfolio much higher than it is today, and we&rsquo;ll gradually begin to move that down as we get--you
know, kind of the normal amortization. So I think it&rsquo;s all about mix for us. I mean I think our total base, which was $1.3 billion
and some change, we&rsquo;ll be in $1.275 billion or so at the end of Q2, just because of the reallocation.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Tony
Cosentino</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
other wildcard, Brian, I have to say this because I watch it all the time and I keep track of it. It&rsquo;s not only a referral perspective
that we&rsquo;re consistent on, but the 8,600 households and about less than one additional service in each household. We&rsquo;re working
hard to expand that mortgage portfolio that we work really hard to find in the last 12 years. So that continues to be a wildcard for
us. And I know Tony&rsquo;s expectations are that we not only rebalance our mix but also expand this size with the scale. So we know that&rsquo;s
an opportunity. We continue to deliver that to build the balance sheet, which I think is an advantage for what we&rsquo;ve done in the
last 10 years.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Brian
Martin</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yeah
No, that makes sense. And all right. Maybe just the last two for me was just on the expense outlook--you know, just given what we&rsquo;re
seeing with competitive pressures in the market on the inflationary front. You know, I guess, if you look at where the expenses are today,
is it, I guess, a pretty good run rate to build off as you look to the balance of the year? I guess are you seeing potential--you know,
higher levels of expenses given what&rsquo;s going on in the marketplace and the need to hire people?</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Well,
you hit the nail ahead, Brian. We&rsquo;ve witnessed a fairly strong headwinds on staffing. We&rsquo;ve addressed them head on. We&rsquo;ve
adjusted some several times. We certainly think we have a great power on benefits for our staff, but those continue to rise, which is
why we&rsquo;re so insistent on identifying and gathering that scale. But we do have a good vertical based model, as we mentioned, on
the mortgage side. I think we got that right in terms of--you know, we&rsquo;d love to be having more commission expense because we all went
when that happens. But if that&rsquo;s down, obviously, our incentives are going to be down. And with that, our compensation expense,
but technology spend is still way up there. And I think as rates rise a bit and maybe slightly the account slows a bit, but there won&rsquo;t
be as many openings, which I think will have, of course, effect on our P&amp;L. But Tony, any comments on expenses otherwise?</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Tony
Cosentino</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yeah.
I think the same pressures that everybody else is talking about, we&rsquo;re seeing. I think, I would put it kind of a different way
and a way to look at our total, call it, net income base is I think we probably put--we could have done some more technology things with
our PPP and mortgage money. We put that in reserve. So I think that gives us the ability to grow and maybe we have to encounter some
of our expense raises over here over the next 18 months. You know, we certainly know we&rsquo;ve got to look at right structure and their
opportunities there and other things. But--you know, I think your first statement was, it&rsquo;s a good base to move upon based upon
where mortgage volume will be a variable.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Friday, April 29<SUP>th</SUP>, 2022, 11:00 AM ET</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<!-- Field: Page; Sequence: 10; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Brian
Martin</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Got
you. Okay. And I think just the last one was just on the buyback and the capital return. It sounds like the expectation is that at least
kind of the continued expectation that there be some further repurchases depending on how opportunistic you are on the market with the
stock price. But Assuming that cooperates, then the expectation of that continues, at least in the near term?</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yeah,
absolutely. We still got a good bit of runway left on our existing authorization. I would think we could stay at these quarterly levels
for the next two quarters and still relook at it probably in Q4 of this year, but we still think it&rsquo;s a great value for our internally
generated capital, and we&rsquo;ve done a number of capital raises. We did the debt issuance last year. So we don&rsquo;t think having
an aggressive buyback in any way conflicts us from being able to do what we need to do organically or strategically.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Brian
Martin</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Right.
And how much is left on the buyback today, Tony? Or if not, I can look if you don&rsquo;t know it right now. No big deal.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Tony
Cosentino</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">It&rsquo;s
$340,000-ish, somewhere in that range, because I think I modeled out $150 per quarter the next two and then sometime in Q4, we probably
are on the backend and probably looking at where we are.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Brian
Martin</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Revisit
it. Okay. Perfect. All right. Well, nice quarter and good update, guys. Thanks so much.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Take
care, Brian.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Tony
Cosentino</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thanks,
Brian.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Operator</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">And
ladies and gentlemen, as a reminder, if you would like to ask a question, please press star then one. If there are no further questions.
And there are no further questions, I will now turn the call back to Mark Klein.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CONCLUSION</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Mark
Klein</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thank
you everyone for joining us this morning. Certainly look forward to speaking with you in July or Q2 here in the year of 2022. Thanks
for joining and goodbye.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Tony
Cosentino</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Take
care.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Operator</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thank
you, everyone. Today&rsquo;s presentation has now concluded, and we thank you all for attending. You may now disconnect your lines. And
have a wonderful day.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Friday, April 29<SUP>th</SUP>, 2022, 11:00 AM ET</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT>11&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 0pt; margin-bottom: 0pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 1.5pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>3
<FILENAME>sbfg-20220429_lab.xml
<DESCRIPTION>XBRL LABEL FILE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.13a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" roleURI="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" />
    <link:roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" roleURI="http://www.xbrl.org/2009/role/netLabel" />
    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CoverAbstract" xlink:label="dei_CoverAbstract" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CoverAbstract_lbl" xml:lang="en-US">Cover [Abstract]</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentType" xlink:label="dei_DocumentType" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentType_lbl" xml:lang="en-US">Document Type</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentFlag_lbl" xml:lang="en-US">Amendment Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentDescription" xlink:label="dei_AmendmentDescription" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentDescription" xlink:to="dei_AmendmentDescription_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentDescription_lbl" xml:lang="en-US">Amendment Description</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentRegistrationStatement" xlink:label="dei_DocumentRegistrationStatement" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentRegistrationStatement" xlink:to="dei_DocumentRegistrationStatement_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentRegistrationStatement_lbl" xml:lang="en-US">Document Registration Statement</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentAnnualReport" xlink:label="dei_DocumentAnnualReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAnnualReport" xlink:to="dei_DocumentAnnualReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAnnualReport_lbl" xml:lang="en-US">Document Annual Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentQuarterlyReport" xlink:label="dei_DocumentQuarterlyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentQuarterlyReport" xlink:to="dei_DocumentQuarterlyReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentQuarterlyReport_lbl" xml:lang="en-US">Document Quarterly Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentTransitionReport" xlink:label="dei_DocumentTransitionReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentTransitionReport" xlink:to="dei_DocumentTransitionReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentTransitionReport_lbl" xml:lang="en-US">Document Transition Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentShellCompanyReport" xlink:label="dei_DocumentShellCompanyReport" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyReport" xlink:to="dei_DocumentShellCompanyReport_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyReport_lbl" xml:lang="en-US">Document Shell Company Report</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentShellCompanyEventDate" xlink:label="dei_DocumentShellCompanyEventDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentShellCompanyEventDate" xlink:to="dei_DocumentShellCompanyEventDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentShellCompanyEventDate_lbl" xml:lang="en-US">Document Shell Company Event Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodStartDate" xlink:label="dei_DocumentPeriodStartDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodStartDate" xlink:to="dei_DocumentPeriodStartDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodStartDate_lbl" xml:lang="en-US">Document Period Start Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US">Document Period End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="dei_DocumentFiscalPeriodFocus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US">Document Fiscal Period Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalYearFocus" xlink:label="dei_DocumentFiscalYearFocus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US">Document Fiscal Year Focus</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xml:lang="en-US">Current Fiscal Year End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFileNumber_lbl" xml:lang="en-US">Entity File Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityPrimarySicNumber" xlink:label="dei_EntityPrimarySicNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPrimarySicNumber" xlink:to="dei_EntityPrimarySicNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPrimarySicNumber_lbl" xml:lang="en-US">Entity Primary SIC Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address, Address Line One</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine2" xlink:label="dei_EntityAddressAddressLine2" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US">Entity Address, Address Line Two</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine3" xlink:label="dei_EntityAddressAddressLine3" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US">Entity Address, Address Line Three</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address, City or Town</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCountry" xlink:label="dei_EntityAddressCountry" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCountry_lbl" xml:lang="en-US">Entity Address, Country</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CountryRegion" xlink:label="dei_CountryRegion" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CountryRegion" xlink:to="dei_CountryRegion_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CountryRegion_lbl" xml:lang="en-US">Country Region</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Extension" xlink:label="dei_Extension" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Extension" xlink:to="dei_Extension_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Extension_lbl" xml:lang="en-US">Extension</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_NoTradingSymbolFlag" xlink:label="dei_NoTradingSymbolFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US">No Trading Symbol Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Security12gTitle" xlink:label="dei_Security12gTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12gTitle" xlink:to="dei_Security12gTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12gTitle_lbl" xml:lang="en-US">Title of 12(g) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SecurityReportingObligation" xlink:label="dei_SecurityReportingObligation" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityReportingObligation" xlink:to="dei_SecurityReportingObligation_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityReportingObligation_lbl" xml:lang="en-US">Security Reporting Obligation</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AnnualInformationForm" xlink:label="dei_AnnualInformationForm" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AnnualInformationForm" xlink:to="dei_AnnualInformationForm_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AnnualInformationForm_lbl" xml:lang="en-US">Annual Information Form</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="dei_AuditedAnnualFinancialStatements" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditedAnnualFinancialStatements" xlink:to="dei_AuditedAnnualFinancialStatements_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AuditedAnnualFinancialStatements_lbl" xml:lang="en-US">Audited Annual Financial Statements</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US">Entity Voluntary Filers</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US">Entity Current Reporting Status</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityInteractiveDataCurrent" xlink:label="dei_EntityInteractiveDataCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityInteractiveDataCurrent" xlink:to="dei_EntityInteractiveDataCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityInteractiveDataCurrent_lbl" xml:lang="en-US">Entity Interactive Data Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="dei_EntityFilerCategory_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFilerCategory_lbl" xml:lang="en-US">Entity Filer Category</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntitySmallBusiness" xlink:label="dei_EntitySmallBusiness" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntitySmallBusiness" xlink:to="dei_EntitySmallBusiness_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntitySmallBusiness_lbl" xml:lang="en-US">Entity Small Business</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US">Entity Emerging Growth Company</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityExTransitionPeriod" xlink:label="dei_EntityExTransitionPeriod" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityExTransitionPeriod" xlink:to="dei_EntityExTransitionPeriod_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityExTransitionPeriod_lbl" xml:lang="en-US">Elected Not To Use the Extended Transition Period</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentAccountingStandard" xlink:label="dei_DocumentAccountingStandard" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAccountingStandard" xlink:to="dei_DocumentAccountingStandard_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAccountingStandard_lbl" xml:lang="en-US">Document Accounting Standard</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_OtherReportingStandardItemNumber" xlink:label="dei_OtherReportingStandardItemNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_OtherReportingStandardItemNumber" xlink:to="dei_OtherReportingStandardItemNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_OtherReportingStandardItemNumber_lbl" xml:lang="en-US">Other Reporting Standard Item Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityShellCompany" xlink:label="dei_EntityShellCompany" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityShellCompany" xlink:to="dei_EntityShellCompany_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityShellCompany_lbl" xml:lang="en-US">Entity Shell Company</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityPublicFloat" xlink:label="dei_EntityPublicFloat" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPublicFloat" xlink:to="dei_EntityPublicFloat_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPublicFloat_lbl" xml:lang="en-US">Entity Public Float</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityBankruptcyProceedingsReportingCurrent" xlink:label="dei_EntityBankruptcyProceedingsReportingCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityBankruptcyProceedingsReportingCurrent" xlink:to="dei_EntityBankruptcyProceedingsReportingCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityBankruptcyProceedingsReportingCurrent_lbl" xml:lang="en-US">Entity Bankruptcy Proceedings, Reporting Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="dei_EntityCommonStockSharesOutstanding" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCommonStockSharesOutstanding" xlink:to="dei_EntityCommonStockSharesOutstanding_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCommonStockSharesOutstanding_lbl" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentsIncorporatedByReferenceTextBlock" xlink:label="dei_DocumentsIncorporatedByReferenceTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentsIncorporatedByReferenceTextBlock" xlink:to="dei_DocumentsIncorporatedByReferenceTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentsIncorporatedByReferenceTextBlock_lbl" xml:lang="en-US">Documents Incorporated by Reference [Text Block]</link:label>
    </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>4
<FILENAME>sbfg-20220429_pre.xml
<DESCRIPTION>XBRL PRESENTATION FILE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.13a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
    <link:roleRef roleURI="http://ir.yourstatebank.com/role/Cover" xlink:href="sbfg-20220429.xsd#Cover" xlink:type="simple" />
    <link:presentationLink xlink:type="extended" xlink:role="http://ir.yourstatebank.com/role/Cover" xlink:title="00000001 - Document - Cover">
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CoverAbstract" xlink:label="loc_deiCoverAbstract" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentType" xlink:label="loc_deiDocumentType" />
      <link:presentationArc order="0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentType" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentFlag" xlink:label="loc_deiAmendmentFlag" />
      <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiAmendmentFlag" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentDescription" xlink:label="loc_deiAmendmentDescription" />
      <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiAmendmentDescription" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentRegistrationStatement" xlink:label="loc_deiDocumentRegistrationStatement" />
      <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentRegistrationStatement" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentAnnualReport" xlink:label="loc_deiDocumentAnnualReport" />
      <link:presentationArc order="40" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentAnnualReport" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentQuarterlyReport" xlink:label="loc_deiDocumentQuarterlyReport" />
      <link:presentationArc order="50" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentQuarterlyReport" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentTransitionReport" xlink:label="loc_deiDocumentTransitionReport" />
      <link:presentationArc order="60" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentTransitionReport" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentShellCompanyReport" xlink:label="loc_deiDocumentShellCompanyReport" />
      <link:presentationArc order="70" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentShellCompanyReport" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentShellCompanyEventDate" xlink:label="loc_deiDocumentShellCompanyEventDate" />
      <link:presentationArc order="80" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentShellCompanyEventDate" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodStartDate" xlink:label="loc_deiDocumentPeriodStartDate" />
      <link:presentationArc order="90" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentPeriodStartDate" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodEndDate" xlink:label="loc_deiDocumentPeriodEndDate" />
      <link:presentationArc order="100" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentPeriodEndDate" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="loc_deiDocumentFiscalPeriodFocus" />
      <link:presentationArc order="110" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentFiscalPeriodFocus" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalYearFocus" xlink:label="loc_deiDocumentFiscalYearFocus" />
      <link:presentationArc order="120" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentFiscalYearFocus" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CurrentFiscalYearEndDate" xlink:label="loc_deiCurrentFiscalYearEndDate" />
      <link:presentationArc order="130" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiCurrentFiscalYearEndDate" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFileNumber" xlink:label="loc_deiEntityFileNumber" />
      <link:presentationArc order="140" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityFileNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityRegistrantName" xlink:label="loc_deiEntityRegistrantName" />
      <link:presentationArc order="150" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityRegistrantName" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCentralIndexKey" xlink:label="loc_deiEntityCentralIndexKey" />
      <link:presentationArc order="160" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityCentralIndexKey" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityPrimarySicNumber" xlink:label="loc_deiEntityPrimarySicNumber" />
      <link:presentationArc order="170" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityPrimarySicNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityTaxIdentificationNumber" xlink:label="loc_deiEntityTaxIdentificationNumber" />
      <link:presentationArc order="180" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityTaxIdentificationNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="loc_deiEntityIncorporationStateCountryCode" />
      <link:presentationArc order="190" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityIncorporationStateCountryCode" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine1" xlink:label="loc_deiEntityAddressAddressLine1" />
      <link:presentationArc order="200" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressAddressLine1" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine2" xlink:label="loc_deiEntityAddressAddressLine2" />
      <link:presentationArc order="210" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressAddressLine2" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine3" xlink:label="loc_deiEntityAddressAddressLine3" />
      <link:presentationArc order="220" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressAddressLine3" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCityOrTown" xlink:label="loc_deiEntityAddressCityOrTown" />
      <link:presentationArc order="230" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressCityOrTown" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressStateOrProvince" xlink:label="loc_deiEntityAddressStateOrProvince" />
      <link:presentationArc order="240" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressStateOrProvince" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCountry" xlink:label="loc_deiEntityAddressCountry" />
      <link:presentationArc order="250" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressCountry" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressPostalZipCode" xlink:label="loc_deiEntityAddressPostalZipCode" />
      <link:presentationArc order="260" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityAddressPostalZipCode" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CountryRegion" xlink:label="loc_deiCountryRegion" />
      <link:presentationArc order="270" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiCountryRegion" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CityAreaCode" xlink:label="loc_deiCityAreaCode" />
      <link:presentationArc order="280" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiCityAreaCode" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LocalPhoneNumber" xlink:label="loc_deiLocalPhoneNumber" />
      <link:presentationArc order="290" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiLocalPhoneNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Extension" xlink:label="loc_deiExtension" />
      <link:presentationArc order="300" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiExtension" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_WrittenCommunications" xlink:label="loc_deiWrittenCommunications" />
      <link:presentationArc order="310" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiWrittenCommunications" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SolicitingMaterial" xlink:label="loc_deiSolicitingMaterial" />
      <link:presentationArc order="320" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiSolicitingMaterial" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_PreCommencementTenderOffer" xlink:label="loc_deiPreCommencementTenderOffer" />
      <link:presentationArc order="330" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiPreCommencementTenderOffer" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="loc_deiPreCommencementIssuerTenderOffer" />
      <link:presentationArc order="340" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiPreCommencementIssuerTenderOffer" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Security12bTitle" xlink:label="loc_deiSecurity12bTitle" />
      <link:presentationArc order="350" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiSecurity12bTitle" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_NoTradingSymbolFlag" xlink:label="loc_deiNoTradingSymbolFlag" />
      <link:presentationArc order="360" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiNoTradingSymbolFlag" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_TradingSymbol" xlink:label="loc_deiTradingSymbol" />
      <link:presentationArc order="370" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiTradingSymbol" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SecurityExchangeName" xlink:label="loc_deiSecurityExchangeName" />
      <link:presentationArc order="380" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiSecurityExchangeName" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Security12gTitle" xlink:label="loc_deiSecurity12gTitle" />
      <link:presentationArc order="390" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiSecurity12gTitle" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SecurityReportingObligation" xlink:label="loc_deiSecurityReportingObligation" />
      <link:presentationArc order="400" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiSecurityReportingObligation" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AnnualInformationForm" xlink:label="loc_deiAnnualInformationForm" />
      <link:presentationArc order="410" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiAnnualInformationForm" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="loc_deiAuditedAnnualFinancialStatements" />
      <link:presentationArc order="420" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiAuditedAnnualFinancialStatements" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="loc_deiEntityWellKnownSeasonedIssuer" />
      <link:presentationArc order="430" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityWellKnownSeasonedIssuer" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityVoluntaryFilers" xlink:label="loc_deiEntityVoluntaryFilers" />
      <link:presentationArc order="440" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityVoluntaryFilers" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCurrentReportingStatus" xlink:label="loc_deiEntityCurrentReportingStatus" />
      <link:presentationArc order="450" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityCurrentReportingStatus" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityInteractiveDataCurrent" xlink:label="loc_deiEntityInteractiveDataCurrent" />
      <link:presentationArc order="460" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityInteractiveDataCurrent" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFilerCategory" xlink:label="loc_deiEntityFilerCategory" />
      <link:presentationArc order="470" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityFilerCategory" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntitySmallBusiness" xlink:label="loc_deiEntitySmallBusiness" />
      <link:presentationArc order="480" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntitySmallBusiness" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityEmergingGrowthCompany" xlink:label="loc_deiEntityEmergingGrowthCompany" />
      <link:presentationArc order="490" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityEmergingGrowthCompany" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityExTransitionPeriod" xlink:label="loc_deiEntityExTransitionPeriod" />
      <link:presentationArc order="500" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityExTransitionPeriod" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentAccountingStandard" xlink:label="loc_deiDocumentAccountingStandard" />
      <link:presentationArc order="510" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentAccountingStandard" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_OtherReportingStandardItemNumber" xlink:label="loc_deiOtherReportingStandardItemNumber" />
      <link:presentationArc order="520" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiOtherReportingStandardItemNumber" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityShellCompany" xlink:label="loc_deiEntityShellCompany" />
      <link:presentationArc order="530" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityShellCompany" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityPublicFloat" xlink:label="loc_deiEntityPublicFloat" />
      <link:presentationArc order="540" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityPublicFloat" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityBankruptcyProceedingsReportingCurrent" xlink:label="loc_deiEntityBankruptcyProceedingsReportingCurrent" />
      <link:presentationArc order="550" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityBankruptcyProceedingsReportingCurrent" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="loc_deiEntityCommonStockSharesOutstanding" />
      <link:presentationArc order="560" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiEntityCommonStockSharesOutstanding" xlink:type="arc" />
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentsIncorporatedByReferenceTextBlock" xlink:label="loc_deiDocumentsIncorporatedByReferenceTextBlock" />
      <link:presentationArc order="570" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_deiCoverAbstract" xlink:to="loc_deiDocumentsIncorporatedByReferenceTextBlock" xlink:type="arc" />
    </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>5
<FILENAME>sbfg-20220429.xsd
<DESCRIPTION>XBRL SCHEMA FILE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" ?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.13a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
    <!-- Field: Doc-Info; Name: Misc; Value: /qA5s7xRiXgen8uKa3EsWauOOaPtzplyyZlBtmd3bQnavycl0PhI7Cc0k8ZWMfsI -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:dei="http://xbrl.sec.gov/dei/2021q4" xmlns:us-gaap="http://fasb.org/us-gaap/2021-01-31" xmlns:srt="http://fasb.org/srt/2021-01-31" xmlns:srt-types="http://fasb.org/srt-types/2021-01-31" xmlns:SBFG="http://ir.yourstatebank.com/20220429" elementFormDefault="qualified" targetNamespace="http://ir.yourstatebank.com/20220429">
    <annotation>
      <appinfo>
	<link:roleType roleURI="http://ir.yourstatebank.com/role/Cover" id="Cover">
	  <link:definition>00000001 - Document - Cover</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:linkbaseRef xlink:type="simple" xlink:href="sbfg-20220429_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links" />
	<link:linkbaseRef xlink:type="simple" xlink:href="sbfg-20220429_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
      </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2021q4" schemaLocation="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd" />
    <import namespace="http://fasb.org/us-gaap/2021-01-31" schemaLocation="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd" />
    <import namespace="http://fasb.org/us-types/2021-01-31" schemaLocation="https://xbrl.fasb.org/us-gaap/2021/elts/us-types-2021-01-31.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2021" schemaLocation="https://xbrl.sec.gov/country/2021/country-2021.xsd" />
    <import namespace="http://fasb.org/srt/2021-01-31" schemaLocation="https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd" />
    <import namespace="http://fasb.org/srt-types/2021-01-31" schemaLocation="https://xbrl.fasb.org/srt/2021/elts/srt-types-2021-01-31.xsd" />
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>6
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.22.1</span><table class="report" border="0" cellspacing="2" id="idm140174305322232">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Apr. 29, 2022</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Apr. 29,  2022<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">0-13507<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">SB
FINANCIAL GROUP, INC<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000767405<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">34-1395608<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">OH<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">401
    Clinton Street<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Defiance<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">OH<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">43512<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">419<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">783-8950<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Shares, No Par Value 7,163,935 Outstanding at May 3, 2022<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">SBFG<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>7
<FILENAME>ea159207-8k_sbfinancial_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2021q4"
  xmlns:iso4217="http://www.xbrl.org/2003/iso4217"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="sbfg-20220429.xsd" xlink:type="simple"/>
    <context id="From2022-04-29to2022-04-29">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000767405</identifier>
        </entity>
        <period>
            <startDate>2022-04-29</startDate>
            <endDate>2022-04-29</endDate>
        </period>
    </context>
    <unit id="USD">
        <measure>iso4217:USD</measure>
    </unit>
    <unit id="Shares">
        <measure>shares</measure>
    </unit>
    <unit id="USDPShares">
        <divide>
            <unitNumerator>
                <measure>iso4217:USD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>shares</measure>
            </unitDenominator>
        </divide>
    </unit>
    <dei:EntityCentralIndexKey contextRef="From2022-04-29to2022-04-29">0000767405</dei:EntityCentralIndexKey>
    <dei:AmendmentFlag contextRef="From2022-04-29to2022-04-29">false</dei:AmendmentFlag>
    <dei:DocumentType contextRef="From2022-04-29to2022-04-29">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="From2022-04-29to2022-04-29">2022-04-29</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="From2022-04-29to2022-04-29">SB FINANCIAL GROUP, INC</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="From2022-04-29to2022-04-29">OH</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="From2022-04-29to2022-04-29">0-13507</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="From2022-04-29to2022-04-29">34-1395608</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="From2022-04-29to2022-04-29">401     Clinton Street</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="From2022-04-29to2022-04-29">Defiance</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="From2022-04-29to2022-04-29">OH</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="From2022-04-29to2022-04-29">43512</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="From2022-04-29to2022-04-29">419</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="From2022-04-29to2022-04-29">783-8950</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="From2022-04-29to2022-04-29">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="From2022-04-29to2022-04-29">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="From2022-04-29to2022-04-29">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="From2022-04-29to2022-04-29">false</dei:PreCommencementIssuerTenderOffer>
    <dei:EntityEmergingGrowthCompany contextRef="From2022-04-29to2022-04-29">false</dei:EntityEmergingGrowthCompany>
    <dei:Security12bTitle contextRef="From2022-04-29to2022-04-29">Common Shares, No Par Value 7,163,935 Outstanding at May 3, 2022</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="From2022-04-29to2022-04-29">SBFG</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="From2022-04-29to2022-04-29">NASDAQ</dei:SecurityExchangeName>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>8
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M=]W3CHG&K=!X#;[Q3X?#KHG&J]!TZVDF)_VN:Z3I%FA"1N/K>A(5M>5 TR
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M!Z.:60F]A%9JGZJ'-#ZH'C(*!?&Y'C[E>G@*-Y;&O%"N@GL!_]':-\*K^(+
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MU4#E/]O4#6CV#30<D05>,9FV-J/D3@H\W/[O#;#"Q([A[8N_ 5!+ P04
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M#RP/9'I;K?%NXQ/R^AQ@/7UM0K"=XI.([12O-2#QNH%'GL>[C>4!#ZP+V.Q
M_G@>F*FX3YI"5S%NV G&D3S'$)C%^(QF&5*=##[Q_F"G)$WS/(X %F>0IA@"
MIQ%', ;  4/2='@//GL?)=-[*CG_5U/\!%!+ P04    "  RA:-4EXJ[',
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MZ8Y>9WK_,'G4'EKG5LJ]AU>RY1AQ_)[E#U!+ P04    "  RA:-4)!Z;HJT
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M2P$"% ,4    "  RA:-4!T%-8H$   "Q    $               @ $
M9&]C4')O<',O87!P+GAM;%!+ 0(4 Q0    ( #*%HU2M&@'0[P   "L"   1
M              "  :\   !D;V-0<F]P<R]C;W)E+GAM;%!+ 0(4 Q0    (
M #*%HU297)PC$ 8  )PG   3              "  <T!  !X;"]T:&5M92]T
M:&5M93$N>&UL4$L! A0#%     @ ,H6C5%M]S35$!   3!   !@
M     ("!#@@  'AL+W=O<FMS:&5E=',O<VAE970Q+GAM;%!+ 0(4 Q0    (
M #*%HU2?H!OPL0(  .(,   -              "  8@,  !X;"]S='EL97,N
M>&UL4$L! A0#%     @ ,H6C5)>*NQS     $P(   L              ( !
M9 \  %]R96QS+RYR96QS4$L! A0#%     @ ,H6C5*K$(A8S 0  (@(   \
M             ( !31   'AL+W=O<FMB;V]K+GAM;%!+ 0(4 Q0    ( #*%
MHU0D'INBK0   /@!   :              "  :T1  !X;"]?<F5L<R]W;W)K
M8F]O:RYX;6PN<F5L<U!+ 0(4 Q0    ( #*%HU1ED'F2&0$  ,\#   3
M          "  9(2  !;0V]N=&5N=%]4>7!E<UTN>&UL4$L%!@     )  D
*/@(  -P3      $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.22.1</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>22</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>3</UnitCount>
  <MyReports>
    <Report instance="ea159207-8k_sbfinancial.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>00000001 - Document - Cover</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ir.yourstatebank.com/role/Cover</Role>
      <ShortName>Cover</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="ea159207-8k_sbfinancial.htm">ea159207-8k_sbfinancial.htm</File>
    <File>ea159207ex99-1_sbfinancial.htm</File>
    <File>sbfg-20220429.xsd</File>
    <File>sbfg-20220429_lab.xml</File>
    <File>sbfg-20220429_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="22">http://xbrl.sec.gov/dei/2021q4</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>13
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "ea159207-8k_sbfinancial.htm": {
   "axisCustom": 0,
   "axisStandard": 0,
   "contextCount": 1,
   "dts": {
    "inline": {
     "local": [
      "ea159207-8k_sbfinancial.htm"
     ]
    },
    "labelLink": {
     "local": [
      "sbfg-20220429_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "sbfg-20220429_pre.xml"
     ]
    },
    "schema": {
     "local": [
      "sbfg-20220429.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd",
      "https://xbrl.fasb.org/srt/2021/elts/srt-roles-2021-01-31.xsd",
      "https://xbrl.fasb.org/srt/2021/elts/srt-types-2021-01-31.xsd",
      "https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd",
      "https://xbrl.fasb.org/us-gaap/2021/elts/us-roles-2021-01-31.xsd",
      "https://xbrl.fasb.org/us-gaap/2021/elts/us-types-2021-01-31.xsd",
      "https://xbrl.sec.gov/country/2021/country-2021.xsd",
      "https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd"
     ]
    }
   },
   "elementCount": 59,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2021q4": 2,
    "total": 2
   },
   "keyCustom": 0,
   "keyStandard": 22,
   "memberCustom": 0,
   "memberStandard": 0,
   "nsprefix": "SBFG",
   "nsuri": "http://ir.yourstatebank.com/20220429",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "span",
       "b",
       "span",
       "p",
       "body",
       "html"
      ],
      "baseRef": "ea159207-8k_sbfinancial.htm",
      "contextRef": "From2022-04-29to2022-04-29",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "00000001 - Document - Cover",
     "role": "http://ir.yourstatebank.com/role/Cover",
     "shortName": "Cover",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "span",
       "b",
       "span",
       "p",
       "body",
       "html"
      ],
      "baseRef": "ea159207-8k_sbfinancial.htm",
      "contextRef": "From2022-04-29to2022-04-29",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 0,
   "tag": {
    "dei_AmendmentDescription": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Description of changes contained within amended document.",
        "label": "Amendment Description"
       }
      }
     },
     "localname": "AmendmentDescription",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "stringItemType"
    },
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_AnnualInformationForm": {
     "auth_ref": [
      "r14"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag with value true on a form if it is an annual report containing an annual information form.",
        "label": "Annual Information Form"
       }
      }
     },
     "localname": "AnnualInformationForm",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_AuditedAnnualFinancialStatements": {
     "auth_ref": [
      "r14"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag with value true on a form if it is an annual report containing audited financial statements.",
        "label": "Audited Annual Financial Statements"
       }
      }
     },
     "localname": "AuditedAnnualFinancialStatements",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CountryRegion": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Region code of country",
        "label": "Country Region"
       }
      }
     },
     "localname": "CountryRegion",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "xbrltype": "stringItemType"
    },
    "dei_CurrentFiscalYearEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "End date of current fiscal year in the format --MM-DD.",
        "label": "Current Fiscal Year End Date"
       }
      }
     },
     "localname": "CurrentFiscalYearEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "gMonthDayItemType"
    },
    "dei_DocumentAccountingStandard": {
     "auth_ref": [
      "r13"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The basis of accounting the registrant has used to prepare the financial statements included in this filing This can either be 'U.S. GAAP', 'International Financial Reporting Standards', or 'Other'.",
        "label": "Document Accounting Standard"
       }
      }
     },
     "localname": "DocumentAccountingStandard",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "accountingStandardItemType"
    },
    "dei_DocumentAnnualReport": {
     "auth_ref": [
      "r11",
      "r13",
      "r14"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a form used as an annual report.",
        "label": "Document Annual Report"
       }
      }
     },
     "localname": "DocumentAnnualReport",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_DocumentFiscalPeriodFocus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.",
        "label": "Document Fiscal Period Focus"
       }
      }
     },
     "localname": "DocumentFiscalPeriodFocus",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "fiscalPeriodItemType"
    },
    "dei_DocumentFiscalYearFocus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.",
        "label": "Document Fiscal Year Focus"
       }
      }
     },
     "localname": "DocumentFiscalYearFocus",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "gYearItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.",
        "label": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentPeriodStartDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The start date of the period covered in the document, in YYYY-MM-DD format.",
        "label": "Document Period Start Date"
       }
      }
     },
     "localname": "DocumentPeriodStartDate",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentQuarterlyReport": {
     "auth_ref": [
      "r12"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a form used as an quarterly report.",
        "label": "Document Quarterly Report"
       }
      }
     },
     "localname": "DocumentQuarterlyReport",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_DocumentRegistrationStatement": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a form used as a registration statement.",
        "label": "Document Registration Statement"
       }
      }
     },
     "localname": "DocumentRegistrationStatement",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_DocumentShellCompanyEventDate": {
     "auth_ref": [
      "r13"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Date of event requiring a shell company report.",
        "label": "Document Shell Company Event Date"
       }
      }
     },
     "localname": "DocumentShellCompanyEventDate",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentShellCompanyReport": {
     "auth_ref": [
      "r13"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true for a Shell Company Report pursuant to section 13 or 15(d) of the Exchange Act.",
        "label": "Document Shell Company Report"
       }
      }
     },
     "localname": "DocumentShellCompanyReport",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_DocumentTransitionReport": {
     "auth_ref": [
      "r15"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a form used as a transition report.",
        "label": "Document Transition Report"
       }
      }
     },
     "localname": "DocumentTransitionReport",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_DocumentsIncorporatedByReferenceTextBlock": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Documents incorporated by reference.",
        "label": "Documents Incorporated by Reference [Text Block]"
       }
      }
     },
     "localname": "DocumentsIncorporatedByReferenceTextBlock",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "textBlockItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine2": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 2 such as Street or Suite number",
        "label": "Entity Address, Address Line Two"
       }
      }
     },
     "localname": "EntityAddressAddressLine2",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine3": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 3 such as an Office Park",
        "label": "Entity Address, Address Line Three"
       }
      }
     },
     "localname": "EntityAddressAddressLine3",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCountry": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "ISO 3166-1 alpha-2 country code.",
        "label": "Entity Address, Country"
       }
      }
     },
     "localname": "EntityAddressCountry",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "countryCodeItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityBankruptcyProceedingsReportingCurrent": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "For registrants involved in bankruptcy proceedings during the preceding five years, the value Yes indicates that the registrant has filed all documents and reports required to be filed by Section 12, 13 or 15(d) of the Securities Exchange Act of 1934 subsequent to the distribution of securities under a plan confirmed by a court; the value No indicates the registrant has not.  Registrants not involved in bankruptcy proceedings during the preceding five years should not report this element.",
        "label": "Entity Bankruptcy Proceedings, Reporting Current"
       }
      }
     },
     "localname": "EntityBankruptcyProceedingsReportingCurrent",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityCommonStockSharesOutstanding": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.",
        "label": "Entity Common Stock, Shares Outstanding"
       }
      }
     },
     "localname": "EntityCommonStockSharesOutstanding",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "sharesItemType"
    },
    "dei_EntityCurrentReportingStatus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate 'Yes' or 'No' whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.",
        "label": "Entity Current Reporting Status"
       }
      }
     },
     "localname": "EntityCurrentReportingStatus",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "yesNoItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityExTransitionPeriod": {
     "auth_ref": [
      "r19"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if an emerging growth company has elected not to use the extended transition period for complying with any new or revised financial accounting standards.",
        "label": "Elected Not To Use the Extended Transition Period"
       }
      }
     },
     "localname": "EntityExTransitionPeriod",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityFilerCategory": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.",
        "label": "Entity Filer Category"
       }
      }
     },
     "localname": "EntityFilerCategory",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "filerCategoryItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation, State or Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityInteractiveDataCurrent": {
     "auth_ref": [
      "r16"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).",
        "label": "Entity Interactive Data Current"
       }
      }
     },
     "localname": "EntityInteractiveDataCurrent",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "yesNoItemType"
    },
    "dei_EntityPrimarySicNumber": {
     "auth_ref": [
      "r14"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Primary Standard Industrial Classification (SIC) Number for the Entity.",
        "label": "Entity Primary SIC Number"
       }
      }
     },
     "localname": "EntityPrimarySicNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "sicNumberItemType"
    },
    "dei_EntityPublicFloat": {
     "auth_ref": [],
     "crdr": "credit",
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter.",
        "label": "Entity Public Float"
       }
      }
     },
     "localname": "EntityPublicFloat",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "monetaryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityShellCompany": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act.",
        "label": "Entity Shell Company"
       }
      }
     },
     "localname": "EntityShellCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntitySmallBusiness": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicates that the company is a Smaller Reporting Company (SRC).",
        "label": "Entity Small Business"
       }
      }
     },
     "localname": "EntitySmallBusiness",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_EntityVoluntaryFilers": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.",
        "label": "Entity Voluntary Filers"
       }
      }
     },
     "localname": "EntityVoluntaryFilers",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "yesNoItemType"
    },
    "dei_EntityWellKnownSeasonedIssuer": {
     "auth_ref": [
      "r17"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate 'Yes' or 'No' if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.",
        "label": "Entity Well-known Seasoned Issuer"
       }
      }
     },
     "localname": "EntityWellKnownSeasonedIssuer",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "yesNoItemType"
    },
    "dei_Extension": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Extension number for local phone number.",
        "label": "Extension"
       }
      }
     },
     "localname": "Extension",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_NoTradingSymbolFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a security having no trading symbol.",
        "label": "No Trading Symbol Flag"
       }
      }
     },
     "localname": "NoTradingSymbolFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "trueItemType"
    },
    "dei_OtherReportingStandardItemNumber": {
     "auth_ref": [
      "r13"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "\"Item 17\" or \"Item 18\" specified when the basis of accounting is neither US GAAP nor IFRS.",
        "label": "Other Reporting Standard Item Number"
       }
      }
     },
     "localname": "OtherReportingStandardItemNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "otherReportingStandardItemNumberItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r7"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre-commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r8"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre-commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Title of 12(b) Security"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_Security12gTitle": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(g) registered security.",
        "label": "Title of 12(g) Security"
       }
      }
     },
     "localname": "Security12gTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SecurityReportingObligation": {
     "auth_ref": [
      "r9"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "15(d), indicating whether the security has a reporting obligation under that section of the Exchange Act.",
        "label": "Security Reporting Obligation"
       }
      }
     },
     "localname": "SecurityReportingObligation",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "securityReportingObligationItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r10"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r18"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://ir.yourstatebank.com/role/Cover"
     ],
     "xbrltype": "booleanItemType"
    }
   },
   "unitCount": 3
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r10": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r11": {
   "Name": "Form 10-K",
   "Number": "249",
   "Publisher": "SEC",
   "Section": "310"
  },
  "r12": {
   "Name": "Form 10-Q",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "308",
   "Subsection": "a"
  },
  "r13": {
   "Name": "Form 20-F",
   "Number": "249",
   "Publisher": "SEC",
   "Section": "220",
   "Subsection": "f"
  },
  "r14": {
   "Name": "Form 40-F",
   "Number": "249",
   "Publisher": "SEC",
   "Section": "240",
   "Subsection": "f"
  },
  "r15": {
   "Name": "Forms 10-K, 10-Q, 20-F",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13",
   "Subsection": "a-1"
  },
  "r16": {
   "Name": "Regulation S-T",
   "Number": "232",
   "Publisher": "SEC",
   "Section": "405"
  },
  "r17": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "405"
  },
  "r18": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  },
  "r19": {
   "Name": "Securities Act",
   "Number": "7A",
   "Publisher": "SEC",
   "Section": "B",
   "Subsection": "2"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-23"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r5": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "g"
  },
  "r6": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12, 13, 15d"
  },
  "r7": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r8": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r9": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "15",
   "Subsection": "d"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>14
<FILENAME>0001213900-22-023654-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001213900-22-023654-xbrl.zip
M4$L#!!0    ( #*%HU06IB!?\Q,  -V1   ;    96$Q-3DR,#<M.&M?<V)F
M:6YA;F-I86PN:'1M[1UI4^+*]KM5_H=^O+JOM)XL85%!AU=L(J." HZ.7ZPL
M#;2&)':"@K_^G>Y.((&@J#@#,W+O"*2WL_<YIQ<._S?LZ^@14YN8QK>(%$M$
M$#944R-&]UMDX'2B^Y'_Y3<W#GL.U(.ZAOTMTG,<*Q>//ST]Q9Y2,9-VXU(V
MFXT/69V(J)0;AM9+)A)2_/KLM*7V<%^.$L-V9$/%XT8Z,>[G]\]*QU45JI-
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M)4QZ8>-&\JWBYL91K5ZHEVJ%4U1M-B[/=U"M7IH[(ZXTS;<J0UD%"\VP9K:
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MQHSD$U$IE4GL?<G(2LE((2 C;7E8<Q<25*[G+PE,]>KTNS8L/Z;,_:4)S!P
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MDP,:W$*=T1_YV4_#@1=EO@N) O<K/]-6&B[->KWQ;;]I+BL9N0%[M>4Y9Z!
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MXOI2A.!K3L*WB'[&;(+.(8*B^D.GP$U!^0,M/P>,!Z$>]#1@P:1Y\/@X2V\
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M8I9DN&61+%/RE^0X=KZ9U;^ [2XE9Z478GX,WE$<Q?\5^P:RN30:3JJIEW\
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MZXV'RPWA:]'=_<C9:_Y8KB$+E@]0N^6CTW*3$ZLT(%ZZ_ '<Z!"D8O2RO_X
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MG]UUWUYNX/QWB@!#\,=+"<&16L0H/%#%9&(O]0K _\@82/X"D[Q'(3KS6Y%
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M9FEN86YC:6%L+FAT;5!+ 0(4 Q0    ( #*%HU0:LN!JN3D  ']Y 0 >
M          "  2P4  !E83$U.3(P-V5X.3DM,5]S8F9I;F%N8VEA;"YH=&U0
M2P$"% ,4    "  RA:-4E/6ZH4 #   -#   $0              @ $A3@
M<V)F9RTR,#(R,#0R.2YX<V102P$"% ,4    "  RA:-4/&)X[O\*  !LAP
M%0              @ &040  <V)F9RTR,#(R,#0R.5]L86(N>&UL4$L! A0#
M%     @ ,H6C5"XA/?-;!P  T5@  !4              ( !PEP  '-B9F<M
F,C R,C T,CE?<')E+GAM;%!+!08     !0 % %H!  !09      !

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
