---
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"
generated_at: "2026-07-20T21:02:14.590305+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- 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
- 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/1038773/000110465926085102/0001104659-26-085102-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1038773/000110465926085102/smbk-20260720x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-085102
- JSON: https://secwatch.observer/filing/0001104659-26-085102.json
- Plain text: https://secwatch.observer/filing/0001104659-26-085102.txt

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