{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-015235","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2022-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:49.353583+00:00","generated_at":"2026-06-23T01:33:25.106915+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"SmartFinancial Q3 2022 operating EPS $0.69 beats prior quarters; net income $11.5M","bullets":["Operating earnings of $11.6M ($0.69/diluted) up 13% QoQ and 17% YoY.","Net interest income rose to $36.7M (11% QoQ); NIM (FTE) expanded to 3.29% from 3.08%.","Organic loan growth of $109M (15% annualized) driven by strong Southeast market demand.","Credit quality solid: NPAs/Assets at 0.10%, allowance/loans at 0.73%.","Completed asset purchase of Sunbelt Insurance, diversifying fee income."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-015235","json":"https://secwatch.observer/filing/0001558370-22-015235.json","markdown":"https://secwatch.observer/filing/0001558370-22-015235.md","text":"https://secwatch.observer/filing/0001558370-22-015235.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000155837022015235/0001558370-22-015235-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000155837022015235/smbk-20221024x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:33:25.106915+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"}