---
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"
generated_at: "2026-05-17T02:56:46.929629+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# SmartFinancial Q3 net income $13.7M ($0.81 EPS); organic loan growth 10% annualized; $100M sub debt issued

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-101293
- JSON: https://secwatch.observer/filing/0001104659-25-101293.json
- Plain text: https://secwatch.observer/filing/0001104659-25-101293.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.