{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-010992","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2022-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:54.732794+00:00","generated_at":"2026-06-24T09:02:10.406130+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"SmartFinancial Q2 2022 EPS $0.61, 30% annualized loan growth, NIM 3.08%","bullets":["Net income of $10.2M ($0.61 GAAP EPS); operating earnings of $10.3M ($0.61) vs $9.1M ($0.60) in Q2 2021.","Organic loan and lease growth of $206.8M (30% annualized QoQ).","Net interest margin (FTE) expanded 17 bps to 3.08% on rising rates and deployment of excess cash.","Credit quality remains solid with nonperforming assets at 0.11% of total assets.","Noninterest income grew to $7.2M, driven by service charges and investment services."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-010992","json":"https://secwatch.observer/filing/0001558370-22-010992.json","markdown":"https://secwatch.observer/filing/0001558370-22-010992.md","text":"https://secwatch.observer/filing/0001558370-22-010992.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000155837022010992/0001558370-22-010992-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000155837022010992/smbk-20220725x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T09:02:10.406130+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"}