{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-116936","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2026-10-19T21:00:20+00:00","discovered_at":"2026-10-19T21:02:00.303474+00:00","generated_at":"2026-10-19T21:02:07.145579+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.68,"calibrated_materiality_score":0.68,"confidence":"high","headline":"SmartFinancial Q3 net income $18.6M ($1.10 EPS), up from $0.81 YoY; record operating revenue $57.5M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-116936","json":"https://secwatch.observer/filing/0001104659-26-116936.json","markdown":"https://secwatch.observer/filing/0001104659-26-116936.md","text":"https://secwatch.observer/filing/0001104659-26-116936.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000110465926116936/0001104659-26-116936-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000110465926116936/smbk-20261019x8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-19T21:02:07.145579+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"}