---
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"
generated_at: "2026-06-26T04:55:55.361667+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# SmartFinancial Q1 EPS $0.49 GAAP, $0.51 operating; loan growth 21% ann.

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-005897
- JSON: https://secwatch.observer/filing/0001558370-22-005897.json
- Plain text: https://secwatch.observer/filing/0001558370-22-005897.txt

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