---
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"
generated_at: "2026-06-23T01:33:25.106915+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# SmartFinancial Q3 2022 operating EPS $0.69 beats prior quarters; net income $11.5M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-22-015235
- JSON: https://secwatch.observer/filing/0001558370-22-015235.json
- Plain text: https://secwatch.observer/filing/0001558370-22-015235.txt

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