{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-085102","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2026-07-20T21:00:11+00:00","discovered_at":"2026-07-20T21:02:00.391652+00:00","generated_at":"2026-07-20T21:02:14.590305+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 Q2 net income $16.3M, EPS $0.96, up 39% YoY; loan growth 15% annualized","bullets":["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)."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-085102","json":"https://secwatch.observer/filing/0001104659-26-085102.json","markdown":"https://secwatch.observer/filing/0001104659-26-085102.md","text":"https://secwatch.observer/filing/0001104659-26-085102.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000110465926085102/0001104659-26-085102-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000110465926085102/smbk-20260720x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-20T21:02:14.590305+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"}