secwatch.observer — SEC 8-K summary
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Issuer:     SMARTFINANCIAL INC. (SMBK)
CIK:        0001038773
Form:       8-K
Filed at:   2026-07-20T21:00:11+00:00
Accession:  0001104659-26-085102
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1038773/000110465926085102/0001104659-26-085102-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1038773/000110465926085102/smbk-20260720x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-085102

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