{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-101293","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2025-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.613790+00:00","generated_at":"2026-05-17T02:56:46.929629+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"SmartFinancial Q3 net income $13.7M ($0.81 EPS); organic loan growth 10% annualized; $100M sub debt issued","bullets":["Net income $13.7M ($0.81 EPS) vs $9.1M ($0.54 EPS) in Q3 2024; operating EPS $0.86.","Organic loan growth $98M (10% annualized QoQ); deposit growth $179M (15% annualized QoQ).","Tangible book value per share grew 26% annualized QoQ; achieved $50M quarterly operating revenue.","$4.0M pre-tax gain from sale of SBK Insurance; $85M securities repositioning resulted in $3.9M pre-tax loss.","Issued $100M subordinated debt; retired $40M existing sub debt; funded growth."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-101293","json":"https://secwatch.observer/filing/0001104659-25-101293.json","markdown":"https://secwatch.observer/filing/0001104659-25-101293.md","text":"https://secwatch.observer/filing/0001104659-25-101293.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000110465925101293/0001104659-25-101293-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000110465925101293/smbk-20251021x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:56:46.929629+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}