SmartFinancial Q3 net income $18.6M ($1.10 EPS), up from $0.81 YoY; record operating revenue $57.5M

SMARTFINANCIAL INC.

Net income $18.6M, or $1.10 diluted EPS, vs $13.7M/$0.81 in Q3 2025 and $16.3M/$0.96 in prior quarter; operating earnings also $18.6M/$1.10.
Net organic loan and lease growth of $174M (15% annualized QoQ); core deposit growth $163M (12% annualized); operating revenue record $57.5M.
Net interest income $49.4M vs $48.1M prior quarter; average earning assets $5.71B, up $193.1M; tax-equivalent NIM 3.45%, down from 3.52% on higher funding costs.
Tangible book value per share grew 15% annualized excluding AOCI and 4% including AOCI; $2.6M tax benefit from transferable energy tax credits; opened Columbus, GA financial center.

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