SmartFinancial Q2 net income $16.3M, EPS $0.96, up 39% YoY; loan growth 15% annualized

SMARTFINANCIAL INC.

Net income $16.3M ($0.96 diluted EPS) vs $11.7M ($0.69) in Q2 2025 and $13.7M ($0.81) in Q1 2026.
Net organic loan growth $165M (15% annualized); total assets surpassed $6B.
Net interest margin expanded to 3.52% from 3.42% in prior quarter.
Quarterly cash dividend $0.09/share declared, payable Aug 17, 2026 to holders of record July 31, 2026.
Tangible book value per share grew 13% annualized QoQ; core deposit growth $83M (6% annualized).

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