{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-005897","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2022-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:59.419997+00:00","generated_at":"2026-06-26T04:55:55.361667+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"SmartFinancial Q1 EPS $0.49 GAAP, $0.51 operating; loan growth 21% ann.","bullets":["Net income $8.3M ($0.49 diluted) vs $9.8M ($0.65) YoY; operating earnings $8.6M ($0.51).","Organic loan growth $136.9M (21% annualized QoQ); non-time deposit growth $195M (23% ann.).","NIM (FTE) 2.91%, down 1bp QoQ; net interest income $30.1M vs $29.9M prior quarter.","Credit quality: NPAs/assets 0.11%; allowance/loans 0.74%; net charge-offs 0.04%.","Operating efficiency ratio 68%; total assets $4.7B; tangible book value $18.64/share."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-005897","json":"https://secwatch.observer/filing/0001558370-22-005897.json","markdown":"https://secwatch.observer/filing/0001558370-22-005897.md","text":"https://secwatch.observer/filing/0001558370-22-005897.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000155837022005897/0001558370-22-005897-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000155837022005897/smbk-20220425x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T04:55:55.361667+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"}