secwatch.observer — SEC 8-K summary
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Issuer:     SMARTFINANCIAL INC. (SMBK)
CIK:        0001038773
Form:       8-K
Filed at:   2026-10-19T21:00:20+00:00
Accession:  0001104659-26-116936
Event type: earnings
Sentiment:  positive
Materiality: 0.68
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1038773/000110465926116936/0001104659-26-116936-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1038773/000110465926116936/smbk-20261019x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-116936

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer