What is SB Financial Group's bank owned life insurance?

SB Financial Group (SBFG) reported bank owned life insurance of $800K in Q3 2025.

What does bank owned life insurance mean?

This represents the cash surrender value of life insurance policies held by the bank on the lives of its employees or executives. The earnings on these policies are generally tax-exempt, providing a stable, non-interest income stream. It is monitored as a long-term asset that supports the bank's capital position and provides a hedge against benefit-related costs.

SB Financial Group SBFG Bank Owned Life Insurance

Bank Owned Life Insurance at other companies

Huntington BancsharesHBAN

$3.67B+31.2%

KeyCorpKEY

$4.44B+0.8%

Citizens Financial Services, Inc.CZFS

$74.07M+46.4%

STB

S&T BancorpSTBA

$85.99M+0.8%

Southside BancsharesSBSI

$145.99M+5.8%

Financial InstitutionsFISI

$179.16M-26.2%

Other financials

Income statement

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Revenue$17.4M+13.2%

Net income$4.3M+99.1%

EPS (diluted)$0.69+109%

Balance sheet

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Cash & equivalents$126.3M+20.1%

Total debt$24.7M-26.9%

Total equity$143.7M+9.2%

Total assets$1.6B+6.9%

Cash flow

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Operating cash flow-$3.0M-145%

CapEx$229.0K-75.2%

Free cash flow-$3.2M-156%

Valuation

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Market cap$158.57M+34.4%

Enterprise value$57.02M-25.9%

P/E9.8×0.0×

P/S2.4×+0.5×

Profitability

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Net margin23.8%+4.8pp

FCF margin23.4%-8.1pp

Returns & leverage

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Return on equity11.7%+2.9pp

Debt / equity0.2×-0.1×

Where this comes from

Reported directly by SB Financial Group in its filing.

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsurance.

The official record: SB Financial Group’s 10-K, filed March 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is SB Financial Group's bank owned life insurance?: SB Financial Group (SBFG) reported bank owned life insurance of $800K in Q3 2025.
What does bank owned life insurance mean?: This represents the cash surrender value of life insurance policies held by the bank on the lives of its employees or executives. The earnings on these policies are generally tax-exempt, providing a stable, non-interest income stream. It is monitored as a long-term asset that supports the bank's capital position and provides a hedge against benefit-related costs.