SmartFinancial Q1 net income $13.7M ($0.81 EPS), flat QoQ, up from $0.67 YoY; loan growth $155M

SMARTFINANCIAL INC.

2026-Q1 EPS reported $0.81

Net income of $13.7M or $0.81 diluted EPS, unchanged from prior quarter; up from $11.3M ($0.67) a year ago.
Organic loan and lease growth of $155M (14% annualized QoQ); deposit growth ex-brokered $95M (7% annualized).
Net interest margin (FTE) expanded to 3.48% from 3.38% prior quarter, driven by lower deposit costs.
ACL model change increased allowance to 0.97% of loans; provision impacted EPS but expected to normalize in Q2.
Nashville expansion with hires of Director of Private Banking and Wealth Management and additional commercial bankers.

item 2.02 item 7.01 item 9.01

Key facts

Extracted from this filing and checked against the source text.

Earnings Releases SEC 8-K Item 2.02 confidence 0.9

SMARTFINANCIAL INC. reported first quarter ending March 31, 2026 results: net income $13.7 million, EPS $0.81 per diluted common share.

Period: first quarter ending March 31, 2026
Net income: $13.7 million
EPS: $0.81 per diluted common share
Result: reported results

Exact text from the filing

Results for the First Quarter 2026 KNOXVILLE, TN – April 20, 2026 - SmartFinancial, Inc. ("SmartFinancial" or the "Company"; NYSE: SMBK), today announced net income of $13.7 million, or $0.81 per diluted common share, for the first quarter of 2026, compared to net income of $11.3 million, or $0.67 per diluted common share, for the first quarter of 2025, and

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Source: SEC EDGAR

accession 0001104659-26-045196

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