---
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"
generated_at: "2026-06-24T09:02:10.406130+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# SmartFinancial Q2 2022 EPS $0.61, 30% annualized loan growth, NIM 3.08%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-010992
- JSON: https://secwatch.observer/filing/0001558370-22-010992.json
- Plain text: https://secwatch.observer/filing/0001558370-22-010992.txt

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