{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-045196","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2026-04-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:31.843301+00:00","generated_at":"2026-05-15T05:16:26.641954+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"SmartFinancial Q1 net income $13.7M ($0.81 EPS), flat QoQ, up from $0.67 YoY; loan growth $155M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-045196","json":"https://secwatch.observer/filing/0001104659-26-045196.json","markdown":"https://secwatch.observer/filing/0001104659-26-045196.md","text":"https://secwatch.observer/filing/0001104659-26-045196.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000110465926045196/0001104659-26-045196-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000110465926045196/smbk-20260420x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:16:26.641954+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":[{"claim_id":"c80e2e152bcacabcdd473dc8916a50fc436011da","claim":"SMARTFINANCIAL INC. reported first quarter ending March 31, 2026 results: net income $13.7 million, EPS $0.81 per diluted common share.","evidence_excerpt":"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","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1038773/000110465926045196/0001104659-26-045196-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ending March 31, 2026"},{"label":"Net income","value":"$13.7 million"},{"label":"EPS","value":"$0.81 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}