What changed in this filing

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Item 9A. Controls and Procedures

2025-03-07 compared with 2024-03-08 · 322 added, 271 removed, 188 unchanged (76% of the section changed)

Controls and Procedures.

Evaluation of Disclosure Controls and Procedures

With the participation of the Chief Executive

Officer (the principal executive officer) and the Chief Financial Officer (the principal financial officer) of the Company, the Company’s

management has evaluated the effectiveness of the Company’s disclosure controls and procedures (as defined in Rule 13a-15(e) under

the Exchange Act) as of the end of the fiscal year covered by this Annual Report on Form 10-K.

Based on that evaluation, the Company’s

Chief Executive Officer and the Company’s Chief Financial Officer have concluded that:

● Information

of Disclosure Controls and Procedures

the participation of the Chief Executive Officer (the principal executive officer) and the Chief Financial Officer (the principal financial

officer) of the Company, the Company’s management has evaluated the effectiveness of the Company’s disclosure controls and

procedures (as defined in Rule 13a-15(e) under the Exchange Act) as of the end of the fiscal year covered by this Annual Report on Form

Based on that evaluation, the Company’s Chief Executive Officer and the Company’s Chief Financial Officer have concluded

required to be disclosed by the Company in this Annual Report on Form 10-K and other reports which the Company files or submits under

the Exchange Act would be accumulated and communicated to the Company’s management, including its principal executive officer and

principal financial officer, as appropriate to allow timely decisions regarding required disclosure;

● Information

the Exchange Act would be accumulated and communicated to the Company’s management, including its principal executive officer

and principal financial officer, as appropriate to allow timely decisions regarding required disclosure;

required to be disclosed by the Company in this Annual Report on Form 10-K and other reports which the Company files or submits under

the Exchange Act would be recorded, processed, summarized and reported within the time periods specified in the SEC’s rules and

Company’s disclosure controls and procedures were effective as of the end of the fiscal year covered by this Annual Report on Form

Management’s Report on Internal Control

the Exchange Act would be recorded, processed, summarized and reported within the time periods specified in the SEC’s rules

The Company’s

disclosure controls and procedures were effective as of the end of the fiscal year covered by this Annual Report on Form 10-K.

Report on Internal Control Over Financial Reporting

Management of the Company is responsible for establishing and maintaining adequate internal control over financial reporting as defined

in Rules 13a-15(f) and 15d-15(f) under the Exchange Act.

The Company’s internal control over financial reporting is designed to

provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external

purposes in conformity with U.S.

generally accepted accounting principles.

The Company’s internal control over financial reporting

includes those policies and procedures that:

to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets

of the Company and its consolidated subsidiaries;

reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in conformity with U.S.

generally accepted accounting principles, and that receipts and expenditures of the Company and its consolidated subsidiaries are being

made only in accordance with authorizations of management and directors of the Company;

reasonable assurance regarding prevention of timely detection of unauthorized acquisition, use or disposition of the assets of the Company

and its consolidated subsidiaries that could have a material effect on the financial statements.

With the supervision and participation of our Chief Executive Officer and our Chief Financial Officer, management assessed the effectiveness of the Company’s internal controls over financial reporting as of December, 31, 2024, based on the criteria established in Internal Control – Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission.

Based on our assessment and those criteria, management concluded that, as of December 31, 2024, the Company’s internal control over financial reporting was effective.

Annual Report does not include an attestation report of the Company’s registered public accounting firm regarding internal control

over financial reporting.

The Management of the Company is responsible for

establishing and maintaining adequate internal control over financial reporting as defined in Rules 13a-15(f) and 15d-15(f) under the

Exchange Act.

The Company’s internal control over financial reporting is designed to provide reasonable assurance regarding the

reliability of financial reporting and the preparation of financial statements for external purposes in conformity with U.S.

accepted accounting principles.

The Company’s internal control over financial reporting includes those policies and procedures that:

● Pertain to the maintenance of records that, in reasonable

detail, accurately and fairly reflect the transactions and dispositions of the assets of the Company and its consolidated subsidiaries;

● Provide reasonable assurance that transactions are recorded

as necessary to permit preparation of financial statements in conformity with U.S.

generally accepted accounting principles, and that

receipts and expenditures of the Company and its consolidated subsidiaries are being made only in accordance with authorizations of management

and directors of the Company;

reasonable assurance regarding prevention of timely detection of unauthorized acquisition, use or disposition of the assets of the

Company and its consolidated subsidiaries that could have a material effect on the financial statements.

the supervision and participation of our Chief Executive Officer and our Chief Financial Officer, management assessed the effectiveness

of the Company’s internal controls over financial reporting as of December, 31, 2023, based on the criteria established in Internal

Control – Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission.

on our assessment and those criteria, management concluded that, as of December 31, 2023, the Company’s internal control over financial

reporting is effective.

This Annual Report does not include an attestation

report of the Company’s registered public accounting firm regarding internal control over financial reporting.

report was not subject to attestation by the Company’s registered public accounting firm pursuant to rules of the SEC that permit

the Company to provide only management’s report in this Annual Report on Form 10-K.

Changes in Internal Controls Over Financial

There were no changes in the Company’s internal

control over financial reporting (as defined in Rule 13a-15(f) under the Exchange Act) that occurred during the Company’s fiscal

quarter ended December 31, 2023, that have materially affected, or are reasonably likely to materially affect, the Company’s internal

control over financial reporting.

Management’s report was not subject to attestation by the Company’s registered public accounting

firm pursuant to rules of the SEC that permit the Company to provide only management’s report in this Annual Report on Form 10-K.

in Internal Controls Over Financial Reporting

were no changes in the Company’s internal control over financial reporting (as defined in Rule 13a-15(f) under the Exchange Act)

that occurred during the Company’s fiscal quarter ended December 31, 2024, that have materially affected, or are reasonably likely

to materially affect, the Company’s internal control over financial reporting.

Other Information.

(b) During the quarter ended December 31, 2023, no director or

16 officer (as defined under Rule 16a-1 of the Exchange Act) adopted or terminated any Rule 10b5-1 trading arrangements

or any non-Rule 10b5-1 trading arrangements (in each case, as defined in Item 408(a) of Regulation S-K).

Disclosure Regarding Foreign Jurisdictions

that Prevent Inspections.

Not Applicable.

Directors, Executive Officers and

Corporate Governance.

Directors and Executive Officers

The information required by Item 401 of SEC Regulation

S-K concerning the directors of the Company and the nominees for election as directors of the Company at the Annual Meeting of Shareholders

to be held on April 19, 2024 (the “2024 Annual Meeting”), is incorporated herein by reference from the disclosure included

in the Company’s definitive Proxy Statement relating to the 2024 Annual Meeting (the “2024 Proxy Statement”), under

the caption “PROPOSAL NO.

the quarter ended December 31, 2024, no director or 16 officer (as defined under Rule 16a-1 of the Exchange Act) adopted or terminated any

Rule 10b5-1 trading arrangements or any non-Rule 10b5-1 trading arrangements (in each case, as defined in Item 408(a) of Regulation

Disclosure Regarding Foreign Jurisdictions that Prevent Inspections.

Directors, Executive Officers and Corporate Governance .

and Executive Officers

information required by Item 401 of SEC Regulation S-K concerning the directors of the Company and the nominees for election as directors

of the Company at the Annual Meeting of Shareholders to be held on April 16, 2025 (the “2025 Annual Meeting”), is incorporated

herein by reference from the disclosure included in the Company’s definitive Proxy Statement relating to the 2025 Annual Meeting

(the “2025 Proxy Statement”), under the caption “PROPOSAL NO.

1 – ELECTION OF DIRECTORS”.

The information concerning the executive officers of the Company

required by Item 401 of SEC Regulation S-K is set forth in the portion of Part I of this Annual Report on Form 10-K entitled “Supplemental

The information

concerning the executive officers of the Company required by Item 401 of SEC Regulation S-K is set forth in the portion of Part I of

this Annual Report on Form 10-K entitled “Supplemental Item:

Information about our Executive Officers.”

Compliance with Section 16(a) of the Exchange

The information required by Item 405 of SEC Regulation

S-K is incorporated herein by reference from the disclosure included in the Company’s 2024 Proxy Statement under the caption “SECTION

16(a) REPORTS.”

Committee Charters and Code of Conduct and

with Section 16(a) of the Exchange Act

information required by Item 405 of SEC Regulation S-K is incorporated herein by reference from the disclosure included in the Company’s

2025 Proxy Statement under the caption “SECTION 16(a) REPORTS” To the extent that disclosure of information is required.

Charters and Code of Conduct and Ethics

The Company’s Board of Directors has adopted

charters for each of the Audit and Risk Management Committee, the Compensation Committee and the Governance and Nominating Committee.

Copies of these charters are available on the Company’s Internet website at www.YourSBFinancial.com by first clicking “Corporate

Overview” and then “Governance Documents”.

The Company has adopted a Code of Conduct and Ethics that applies to the

Company’s directors, officers and employees.

A copy of the Code of Conduct and Ethics is available on the Company’s Internet

website at www.YourSBFinancial.com by first clicking “Corporate Overview” and then “Governance Documents”.

persons may also obtain copies of the Code of Conduct and Ethics, the Audit and Risk Management Committee charter, the Compensation Committee

charter and the Governance and Nominating Committee charter, without charge, by writing to SB Financial Group, Inc., Attn:

401 Clinton Street, Defiance, OH 43512.

Audit and Risk Management Committee

charters for each of the Audit Committee, the Compensation Committee and the Governance and Nominating Committee.

Copies of these charters

are available on the Company’s Internet website at www.YourSBFinancial.com by first clicking “Corporate Overview” and

then “Governance Documents”.

The Company has adopted a Code of Conduct and Ethics that applies to the Company’s directors,

officers and employees.

A copy of the Code of Conduct and Ethics is available on the Company’s Internet website at www.YourSBFinancial.com

by first clicking “Corporate Overview” and then “Governance Documents”.

Interested persons may also obtain copies

of the Code of Conduct and Ethics, the Audit Committee charter, the Compensation Committee charter and the Governance and Nominating

Committee charter, without charge, by writing to SB Financial Group, Inc., Attn:

Diller, 401 Clinton Street, Defiance, OH 43512.

Trading Arrangements and Policies

Company has adopted an Insider Trading Policy that governs the purchase, sale, and/or dispositions of the Company’s securities

by directors, officers and employees that is designed to promote compliance with insider trading laws, rules and regulations, and any

listing standards applicable to the Company.

A copy of the Insider Trading Policy is filed as Exhibit 10 to this Form 10-K.

Audit Committee

The information required by Items 407(d)(4) and

407(d)(5) of SEC Regulation S-K is incorporated herein by reference from the disclosure included under the caption “MEETINGS AND

COMMITTEES OF THE BOARD – Audit & Risk Management Committee” in the Company’s 2024 Proxy Statement.

Nominating Committee

The procedures by which shareholders of the

Company may recommend nominees to the Company’s Board of Directors are described under the caption “CORPORATE GOVERNANCE –

Nominations of Directors” in the Company’s 2024 Proxy Statement.

The procedures by which shareholders of the Company many

recommend nominees to the Company’s Board of Directors have not materially changed from those described in the Company’s definitive

Proxy Statement for the 2023 Annual Meeting of Shareholders held on April 20, 2023.

COMMITTEES OF THE BOARD – Audit Committee” in the Company’s 2025 Proxy Statement.

procedures by which shareholders of the Company may recommend nominees to the Company’s Board of Directors are described under

the caption “CORPORATE GOVERNANCE – Nominations of Directors” in the Company’s 2025 Proxy Statement.

procedures by which shareholders of the Company many recommend nominees to the Company’s Board of Directors have not materially

changed from those described in the Company’s definitive Proxy Statement for the 2024 Annual Meeting of Shareholders held on April

Executive Compensation .

The executive compensation information required

by this item is incorporated herein by reference to the information contained in the Company’s 2024 Proxy Statement under the captions

“COMPENSATION OF EXECUTIVE OFFICERS”, “EQUITY INCENTIVE PLAN INFORMATION”, “DIRECTOR COMPENSATION”,

and “COMPENSATION COMMITTEE INTERLOCKS AND INSIDER PARTICIPATION”.

Security Ownership of Certain Beneficial

Owners and Management and Related Stockholder Matters .

The information required by Item 403 of SEC Regulation

S-K is incorporated herein by reference from the disclosure included in the Company’s 2024 Proxy Statement under the caption “SECURITY

OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT”.

Equity Compensation Plan Information

The SB Financial Group, Inc.

2017 Stock Incentive

Plan (the “2017 Plan”) was approved by the shareholders of the Company at the 2017 Annual Meeting of Shareholders.

The following table shows, as of December 31,

2023, the number of common shares issuable upon exercise of outstanding stock options, the weighted-average exercise price of those stock

options, and the number of common shares remaining for future issuance under the Company’s equity compensation plans (excluding

common shares issuable upon exercise of outstanding stock options):

information required by this item is incorporated herein by reference to the information contained in the Company’s 2025 Proxy

Statement under the captions “COMPENSATION OF EXECUTIVE OFFICERS”, “EQUITY INCENTIVE PLAN INFORMATION”, “DIRECTOR

COMPENSATION”, “COMPENSATION COMMITTEE INTERLOCKS AND INSIDER PARTICIPATION”, “PAY VERSUS PERFORMANCE”

AND “DIRECTOR COMPENSATION”.

Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters .

information required by Item 403 of SEC Regulation S-K is incorporated herein by reference from the disclosure included in the Company’s

2025 Proxy Statement under the caption “SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT”.

Compensation Plan Information

SB Financial Group, Inc.

2017 Stock Incentive Plan (the “2017 Plan”) was approved by the shareholders of the Company at the

2017 Annual Meeting of Shareholders.

following table shows, as of December 31, 2024, the number of common shares issuable upon exercise of outstanding stock options, the

weighted-average exercise price of those stock options, and the number of common shares remaining for future issuance under the Company’s

equity compensation plans (excluding common shares issuable upon exercise of outstanding stock options):

Equity compensation plans approved by security holders

3 unchanged sentences

Number of securities remaining available for future issuance under equity compensation plans (excluding securities reflected in row a)

Certain Relationships and Related

Transactions, and Director Independence .

The information required by Item 404 of SEC Regulation

S-K is incorporated herein by reference from the disclosure contained in the Company’s 2024 Proxy Statement under the caption “TRANSACTIONS

WITH RELATED PERSONS”.

The information required by Item 407(a) of SEC

Regulation S-K is incorporated herein by reference from the disclosure contained in the Company’s 2024 Proxy Statement under the

caption “CORPORATE GOVERNANCE – Director Independence”.

Certain Relationships and Related Transactions, and Director Independence .

information required by Item 404 of SEC Regulation S-K is incorporated herein by reference from the disclosure contained in the Company’s

2025 Proxy Statement under the caption “TRANSACTIONS WITH RELATED PERSONS”.

information required by Item 407(a) of SEC Regulation S-K is incorporated herein by reference from the disclosure contained in the Company’s

2025 Proxy Statement under the caption “CORPORATE GOVERNANCE – Director Independence”.

Principal Accountant Fees and Services.

1 unchanged sentence

Item 14 is incorporated herein by reference from the disclosure contained in the Company’s 2025 Proxy Statement under the caption

“AUDIT & RISK MANAGEMENT COMMITTEE DISCLOSURE”.

Exhibits and Financial Statement

(a)(1) Financial Statements

The following consolidated financial statements are incorporated

by reference from Item 8 hereof:

“AUDIT COMMITTEE DISCLOSURE”.

Exhibits and Financial Statement Schedules.

Financial Statements

following consolidated financial statements are incorporated by reference from Item 8 hereof:

● Consolidated

9 unchanged sentences

to Consolidated Financial Statements

of Independent Registered Public Accounting Firm (FORVIS, LLP)

(a)(2) Financial Statement

All schedules for which provision is

made in the applicable accounting regulations of the SEC are not required under the related instructions or are inapplicable and, therefore,

have been omitted.

(a)(3) Exhibits

The documents listed in the Index to

Exhibits that immediately precedes the signature page of this Form 10-K are filed/furnished with this Form 10-K as exhibits or incorporated

into this Form 10-K by reference as noted.

Each management contract or compensatory plan or arrangement required to be filed as an exhibit

to this Form 10-K is identified as such in the Index to Exhibits.

The documents listed in the Index to

Exhibits that immediately precedes the signature page of this Form 10-K are filed/furnished with this Form 10-K as exhibits or incorporated

into this Form 10-K by reference as noted.

Statement Schedules

● Report of Independent Registered Public Accounting Firm (Forvis Mazars,

Financial Statement Schedules

schedules for which provision is made in the applicable accounting regulations of the SEC are not required under the related instructions

or are inapplicable and, therefore, have been omitted.

documents listed in the Index to Exhibits that immediately precedes the signature page of this Form 10-K are filed/furnished with this

Form 10-K as exhibits or incorporated into this Form 10-K by reference as noted.

Each management contract or compensatory plan or arrangement

required to be filed as an exhibit to this Form 10-K is identified as such in the Index to Exhibits.

documents listed in the Index to Exhibits that immediately precedes the signature page of this Form 10-K are filed/furnished with this

Form 10-K as exhibits or incorporated into this Form 10-K by reference as noted.

Financial Statement Schedules

Form 10-K Summary.

Not Applicable.

Amended Articles of the Company

74 unchanged sentences

Filed herewith.

Consent of FORVIS, LLP

Consent of Forvis Mazars, LLP

Filed herewith.

10 unchanged sentences

Filed herewith.

The following materials from SB Financial Group Inc.’s 2023 Annual Report and incorporated therefrom in SB Financial Group, Inc.’s Annual Report on Form 10-K for the fiscal year ended December 31, 2023, formatted in XBRL (extensible business reporting language) pursuant to Rule 405 of Regulation S-T:

(i) the Consolidated Balance Sheets as of December 31, 2023 and 2022;

The following materials from SB Financial Group Inc.’s 2024 Annual

Report and incorporated therefrom in SB Financial Group, Inc.’s Annual Report on Form 10-K for the fiscal year ended December 31,

2024, formatted in XBRL (extensible business reporting language) pursuant to Rule 405 of Regulation S-T:

(i) the Consolidated Balance

Sheets as of December 31, 2024 and 2023;

(ii) the Consolidated Statements of Income for the years ended December 31, 2024 and 2023;

(iii) the Consolidated Statements of Comprehensive Income for the years ended December 31, 2023 and 2022;

(iv) the Consolidated Statements of Changes in Shareholders’ Equity for the years ended December 31, 2023 and 2022;

(v) the Consolidated Statements of Cash Flows for the years ended December 31, 2023 and 2022;

the Consolidated Statements of Comprehensive Income for the years ended December 31, 2024 and 2023;

(iv) the Consolidated Statements of

Changes in Shareholders’ Equity for the years ended December 31, 2024 and 2023;

(v) the Consolidated Statements of Cash Flows for

the years ended December 31, 2024 and 2023;

and (vi) the Notes to Consolidated Financial Statements (electronically submitted herewith).

1 unchanged sentence

* Management contract or compensatory plan or arrangement.

Pursuant to the requirements of Section 13 or

15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned,

thereunto duly authorized.

to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed

on its behalf by the undersigned, thereunto duly authorized.

SB FINANCIAL GROUP, INC.

2 unchanged sentences

Cosentino, Executive Vice President and Chief Financial Officer

Power of Attorney

KNOW ALL MEN BY THESE PRESENTS, that each undersigned

officer and/or director of SB Financial Group, Inc., an Ohio corporation (the “Company”), which is about to file with the

Securities and Exchange Commission, Washington, D.C., under the provisions of the Securities Exchange Act of 1934, as amended, the Annual

Report of the Company on Form 10-K for the fiscal year ended December 31, 2023, hereby constitutes and appoints Mark A.

Klein and Anthony

Cosentino, and each of them, as his true and lawful attorneys-in-fact and agents, with full power of substitution and re-substitution,

for him and in his name, place and stead, in any and all capacities, to sign both the Annual Report on Form 10-K and any and all amendments

and documents related thereto, and to file the same, and any and all exhibits, financial statements and schedules related thereto, and

other documents in connection therewith, with the Securities and Exchange Commission and the NASDAQ Stock Market, granting unto said attorneys-in-fact

and agents, and substitute or substitutes, full power and authority to do and perform each and every act and thing requisite and necessary

to be done in and about the premises, as fully to all intents and purposes as he might or could do in person, hereby ratifying and confirming

all things that each of said attorneys-in-fact and agents, or either of them or his or their substitute or substitutes, may lawfully do

or cause to be done by virtue hereof.

Pursuant to the requirements of the Securities

Exchange Act of 1934, this Report has been signed below by the following persons on behalf of the Registrant and in the capacities and

on the dates indicated.

ALL MEN BY THESE PRESENTS, that each undersigned officer and/or director of SB Financial Group, Inc., an Ohio corporation (the “Company”),

which is about to file with the Securities and Exchange Commission, Washington, D.C., under the provisions of the Securities Exchange

Act of 1934, as amended, the Annual Report of the Company on Form 10-K for the fiscal year ended December 31, 2024, hereby constitutes

and appoints Mark A.

Klein and Anthony V.

Cosentino, and each of them, as his or her true and lawful attorneys-in-fact and agents, with

full power of substitution and re-substitution, for him or her and in his or her name, place and stead, in any and all capacities, to

sign both the Annual Report on Form 10-K and any and all amendments and documents related thereto, and to file the same, and any and

all exhibits, financial statements and schedules related thereto, and other documents in connection therewith, with the Securities and

Exchange Commission and the NASDAQ Stock Market, granting unto said attorneys-in-fact and agents, and substitute or substitutes, full

power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully

to all intents and purposes as he or she might or could do in person, hereby ratifying and confirming all things that each of said attorneys-in-fact

and agents, or either of them or his or their substitute or substitutes, may lawfully do or cause to be done by virtue hereof.

to the requirements of the Securities Exchange Act of 1934, this Report has been signed below by the following persons on behalf of the

Registrant and in the capacities and on the dates indicated.

March 7, 2025

18 unchanged sentences

March 7, 2025

Financial Group, Inc.

Vice President

Marketing Officer

Wayne Market Executive

President and

Executive Officer

Vice President

HR Strategic Manager

Fulton/Williams

Vice President

Financial Officer

Resources Manager

Vice President

Officers List

SB Financial Group, Inc.

Senior Vice President

Chief Marketing Officer

Fulton/Williams County

Chairman, President and

Market Executive

State Bank and Trust Company

Review Officer

Administration

Vice President

Services Officer III

Sales Champion

President and

Executive Officer

Vice President

Chief Executive Officer

Vice President

Lending Manager

Review Officer

CHRISTOPHER A.

Corporate HR Strategic Manager

Senior Vice President

Executive Vice President

Findlay Market Executive

Chief Financial Officer

Vice President

Commercial Banking

Human Resources Manager

Executive Vice President

Corporate Secretary

Senior Vice President

Assistant Vice President

Commercial Services Officer III

The State Bank and Trust Company

Loan Review Officer

Administration

Senior Vice President

Assistant Vice President

Ag Lending Manager

Asset Liability Manager

Chairman, President and

(COREY) DEMING

Financial Officer

Vice President

Services Officer III

Liability Manager

Vice President

Operations Officer

Vice President

Services Officer III

Vice President

Technology Innovation Officer

Vice President

Services Officer I

Management Specialist, BSA Officer

Vice President

Lending Officer

Vice President

Services Officer I

Control Manager

Chief Executive Officer

Vice President

Executive Assistant

Services Officer I

Assistant Vice President

Commercial Services Officer III

Accountant III

Executive Vice President

Chief Financial Officer

Vice President

Real Estate Executive

Services Officer III

Assistant Vice President

Commercial Services Officer III

Risk Management Specialist, BSA Officer

Executive Vice President

Chief Operations Officer

Vice President

Assistant Vice President

Commercial Services Officer I

ERNESTO GAYTAN

Quality Control Manager

Executive Vice President

Chief Technology Innovation Officer

Vice President

Risk Officer, Director of Legal

Green & Toledo Market Executive

Officer, Executive Assistant

Commercial Services Officer I

Corporate Secretary

Executive Vice President

Chief Lending Officer

Regional Executives

Vice President

Commercial Services Officer I

Executive Vice President

Market President

Residential Real Estate Executive

Vice President

of Human Resources

Commercial Services Officer I

Senior Vice President

Bowling Green, Toledo & Lake Erie

Market Executive

Administration

Vice President

Engineer - Deposits

Mortgage Sales Loan Originator

Commercial Services Officer III

Senior Vice President

Director of Loan Quality & Recovery

Lima Market Executive

Assistant Vice President

Commercial Services Officer I

Senior Vice President

Director of Human Resources

Fort Wayne Market Executive

Credit Administration

Vice President

Administration Manager

Control Analyst - Deposits

Development Mortgage

Vice President

Credit Officer

IT Project Manager

Outside Mortgage Sales Loan Originator

Senior Vice President

Credit Administration Manager

Assistant Vice President

Vice President

Systems Administrator- Operations

Outside Mortgage Sales Loan Originator

Senior Vice President

Chief Credit Officer

Vice President

Mortgage Sales Loan Originator

Credit Analyst

Real Estate Sales

- Indianapolis Region

Quality Control Analyst - Deposits

Community Development Mortgage

Vice President

Market Manager

and Resource Recovery

Loan Originator

Senior Credit Analyst

Mortgage Lending

Assistant Vice President

Vice President

Senior Vice President

Senior RRE Underwriter

Collections and Resource Recovery

Residential Real Estate Sales

Administrator

Real Estate Sales

- Columbus, Defiance, Findlay

Manager - Indianapolis Region

Assistant Vice President

Residential Real Estate Sales Manager

Senior Vice President

Cincinnati Region

Commercial Credit Analyst

Residential Real Estate Sales

Manager - Columbus, Defiance, Findlay

Information Technology and

Assistant Vice President

Residential Real Estate Sales Manager

Vice President

RRE Underwriter

Credit Analyst

Mortgage Sales Loan Originator

Outside Mortgage Sales Loan Originator

Senior Vice President

Assistant Vice President

Director of Lending Operations

Community Development Mortgage

Vice President

Technology and

Mortgage Sales Loan Originator

RRE Underwriter

Loan Originator

Senior RRE Underwriter

Vice President of Marblehead Operations

Assistant Vice President

Vice President

Community Development Officer

Assistant Vice President

Senior RRE Underwriter

Outside Mortgage Sales Loan Originator

Deposit Operations Manager

Vice President

Development Mortgage

of Lending Operations

RRE Underwriter

Assistant Vice President

Secondary Market Manager

Deposit Services Supervisor

Vice President

Senior Vice President

Residential Construction Manager

Director of IT Infrastructure

Vice President

Operations Manager

Development Officer

Mortgage Sales Loan Originator

Vice President

Services Supervisor

Construction Manager

Outside Mortgage Sales Loan Originator

Cybersecurity & IT Governance Leader

Vice President

of IT Infrastructure

Mortgage Sales Loan Originator

Cybersecurity

& IT Governance Leader

Mortgage Sales Loan Originator

Processing Engineer

Administrator

Leader, Fiserv Platform

Mortgage Sales Loan Originator

Vice President

Administrator- Operations

Small Business Lending

Operations Services Manager

Outside Mortgage Sales Loan Originator

Data Processing Engineer

Vice President

Private Banker

Management Advisor

of Private Banking

Vice President

Business Lender

Advisor/Director of Brokerage Services

Private Banker

Manager, Brokerage

Encompass Administrator

IT Leader, Fiserv Platform

Private Banking

Assistant Vice President

Senior Vice President

Banking Center Sales Manager

Chief Wealth Management Officer

Vice President

Management Officer

Private Banker

PCG Private Banker

Assistant Vice President

Vice President

of Treasury Management

Banking Center Sales Manager

Trust Operations Services Manager

Vice President

Private Banker

Licensed Title Manager

PCG Private Banker

Assistant Vice President

Vice President

Management Officer

Banking Center Sales Manager

Retirement Services Manager

Vice President

Title Manager

of Retail Banking

PCG Private Banker

SBA/ Small Business Lending

Vice President

Wealth Management Advisor

Assistant Vice President

Senior Vice President

PCG Private Banker

SBA/Small Business

Lending Manager

Assistant Vice President

Investment Advisor

Assistant Vice President

PCG Private Banker

Assistant Vice President

SBFG Title, LLC

Small Business Lender

Retail Banking

Treasury Management

Senior Vice President

Regional Licensed Title Manager

Vice President

Services Manager

Center Sales Manager II

Banking Center Sales Manager

Vice President

Treasury Management Officer

Assistant Vice President

Licensed Title Manager

Vice President

Investment Officer

Sales & Lending Manager

Head of Retail Banking

Vice President

Corporate Sales Champion

Treasury Management Officer II

Assistant Vice President

Vice President

Walth Management Officer

Center Sales Manager

Community Sales & Lending Manager

Director of Treasury Management

Assistant Vice President

Banking Center Sales Manager

Treasury Management Officer

Wealth Management

Assistant Vice President

Banking Center Sales Manager

Executive Vice President

Retirement Services Manager

Assistant Vice President

Banking Center Sales Manager II

Senior Vice President

Chief Investment Officer

Assistant Vice President

Retail Services & Sales Coordinator

Bank Security Officer

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-K

Item 9A. Controls and Procedures