{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-006543","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2023-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:37.715689+00:00","generated_at":"2026-06-16T18:15:53.257395+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 Q1 net income $11.5M, EPS $0.68; operating earnings up 34% YoY","bullets":["Operating earnings $11.5M ($0.68 diluted) vs $8.6M ($0.51) in Q1 2022, a 34% increase.","Deposit growth of $152.4M (15% annualized QoQ); net organic loan growth $53.0M (7% annualized).","Nonperforming assets to total assets remain low at 0.11%; credit quality solid.","Tax-equivalent NIM declined to 3.31% from 3.51% in Q4 2022, pressured by rising deposit costs.","No wholesale fundings or borrowings; balance sheet growth entirely organic."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-006543","json":"https://secwatch.observer/filing/0001558370-23-006543.json","markdown":"https://secwatch.observer/filing/0001558370-23-006543.md","text":"https://secwatch.observer/filing/0001558370-23-006543.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000155837023006543/0001558370-23-006543-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000155837023006543/smbk-20230424x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T18:15:53.257395+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":"703f911dd5df1b50a3e3aeba69bd27d5692616d7","claim":"SMARTFINANCIAL INC. reported first quarter of 2023 results: net income $11.5 million, EPS $0.68 per diluted common share.","evidence_excerpt":"SmartFinancial, Inc. (\"SmartFinancial\" or the \"Company\"; NASDAQ: SMBK), today announced net income of $11.5 million, or $0.68 per diluted common share, for the first quarter of 2023, compared to net income of $8.3 million, or $0.49 per diluted common share, for the first quarter of 2022, and compared to prior quarter net income of $13.0 million, or $0.77 per diluted common share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1038773/000155837023006543/0001558370-23-006543-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of 2023"},{"label":"Net income","value":"$11.5 million"},{"label":"EPS","value":"$0.68 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"}