 SB Financial Group, Inc. NASDAQ:SBFG Q3 2022 Earnings Conference Call November 2, 2022 11:00 AM ET Company Participants Mark Klein - Chairman, President and CEO Tony Cosentino - CFO Sarah Mekus - Executive Assistant, Corporate Secretary Conference Call Participants Brian Martin - Janney Montgomery Scott Operator Good morning, and welcome to the SB Financial third quarter 2022 conference call and webcast. Id like to inform you that this conference call is being recorded, and all participants are in listen-only mode. 