{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-000426","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2023-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.618535+00:00","generated_at":"2026-06-20T11:27:43.342702+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"SmartFinancial Q4 2022 diluted EPS $0.77; operating EPS $0.76 beats prior year","bullets":["Net income $13.0M ($0.77 diluted); operating earnings $12.9M ($0.76 diluted) up 48% YoY.","Organic loan growth $130.2M (17% annualized QoQ); net interest margin 3.51% (FTE) vs 3.29% prior Q.","Nonperforming assets to total assets remained low at 0.10%; total assets $4.6B.","Loan yield improved to 5.05% from 4.59% prior Q; deposit cost rose to 0.85% from 0.45%.","Operating revenue record; ROAA 1.10%, ROATCE 16.5% (operating basis)."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-000426","json":"https://secwatch.observer/filing/0001558370-23-000426.json","markdown":"https://secwatch.observer/filing/0001558370-23-000426.md","text":"https://secwatch.observer/filing/0001558370-23-000426.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000155837023000426/0001558370-23-000426-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000155837023000426/smbk-20230123x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T11:27:43.342702+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":[{"claim_id":"71d7430bfa4e11d2df2350faa617badc5382e0a2","claim":"SMARTFINANCIAL INC. reported fourth quarter of 2022 results: net income net income of $13.0 million, or $0.77 per diluted common share.","evidence_excerpt":"SmartFinancial, Inc. (\"SmartFinancial\" or the \"Company\"; NASDAQ: SMBK), today announced net income of $13.0 million, or $0.77 per diluted common share, for the fourth quarter of 2022, compared to net income of $6.7 million, or $0.40 per diluted common share, for the fourth quarter of 2021, and compared to prior quarter net income of $11.5 million, or $0.68 per diluted common share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1038773/000155837023000426/0001558370-23-000426-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter of 2022"},{"label":"Net income","value":"net income of $13.0 million, or $0.77 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}