{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-23-012155","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2023-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.977172+00:00","generated_at":"2026-06-13T03:55:31.535678+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"SmartFinancial Q2 operating EPS $0.52, down from $0.61 YoY; loan growth 7% annualized","bullets":["Operating earnings $8.8M ($0.52 diluted EPS), vs $10.2M ($0.61) YoY and $11.5M ($0.68) prior Q.","Net organic loan and lease growth $56M, 7% annualized quarter-over-quarter.","Tax-equivalent NIM fell to 2.93% from 3.31% prior Q (includes $1.4M acquired loan fee).","Credit quality solid: nonperforming assets / total assets at 0.12%.","Deposit mix stable with 24% non-interest bearing accounts; cost of total deposits 1.89%."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-23-012155","json":"https://secwatch.observer/filing/0001558370-23-012155.json","markdown":"https://secwatch.observer/filing/0001558370-23-012155.md","text":"https://secwatch.observer/filing/0001558370-23-012155.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000155837023012155/0001558370-23-012155-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000155837023012155/smbk-20230724x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T03:55:31.535678+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":"c55bb0695bf417083d89eb97f019d5034f6810cd","claim":"SMARTFINANCIAL INC. reported the second quarter of 2023 results: net income $8.8 million, EPS $0.52 per diluted common share.","evidence_excerpt":"SmartFinancial, Inc. (\"SmartFinancial\" or the \"Company\"; NASDAQ: SMBK), today announced net income of $8.8 million, or $0.52 per diluted common share, for the second quarter of 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1038773/000155837023012155/0001558370-23-012155-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter of 2023"},{"label":"Net income","value":"$8.8 million"},{"label":"EPS","value":"$0.52 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"}