Peer Analysis

Data for trailing four quarters

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Performance Ratios (%)		SBFG	Peer Median	Peer Average
	ROAA	0.81	0.67	0.71
	ROAE	10.00	6.60	7.12
	Net Interest Margin	3.82	3.45	3.60
	Efficiency Ratio	73.22	71.68	72.06
	Loans / Deposits	85.57	79.93	76.76

Asset Quality Ratios (%)
	NPAs / Assets	1.30	2.56	2.56
	NCOs / Avg Loans	0.18	0.44	0.42
	Reserves / Loans	1.51	1.87	1.73
	Reserves / NPAs	83.70	44.70	44.70

Capital Ratios (%)
	Tier 1 Capital	NA	14.08	13.85
	Tangible Equity / Tangible Assets	5.87	8.49	8.41
	Total Equity / Total Assets	8.47	9.18	9.81

Market Ratios
	Price / Earnings (x)	8.02	11.48	12.64
	Price / Book (%)	76.15	91.06	86.75
	Dividend Yield (%)	1.41	2.46	2.53

SB Financial Group, Inc.'s peer group consists of the following: First Citizens Banc Corp (FCZA), LNB Bancorp, Inc. (LNBB), Ohio Valley Banc Corp. (OVBC), Peoples Bancorp Inc. (PEBO), United Bancorp, Inc. (UBCP), United Bancshares, Inc. (UBOH)

SB Financial Group, Inc.'s financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013


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