---
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"
generated_at: "2026-10-19T21:02:07.145579+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.68
calibrated_materiality_score: 0.68
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.68
- calibrated_materiality_score: 0.68
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-116936
- JSON: https://secwatch.observer/filing/0001104659-26-116936.json
- Plain text: https://secwatch.observer/filing/0001104659-26-116936.txt

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