{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-000413","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2024-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.187606+00:00","generated_at":"2026-06-06T20:27:12.174471+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"SmartFinancial Q4 net income $6.2M ($0.37 EPS); operating EPS $0.41; loan growth 8% annualized","bullets":["Net income $6.2M ($0.37 diluted EPS) vs $13.0M ($0.77) in Q4 2022; operating earnings $6.9M ($0.41).","Net organic loan and lease growth $66M (8% annualized QoQ); deposit growth $21.3M (2% annualized).","Net interest margin (tax-equivalent) 2.86%, up 5bps from prior quarter; loan yield 5.61%.","Credit quality solid: nonperforming assets / total assets 0.20%."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-000413","json":"https://secwatch.observer/filing/0001558370-24-000413.json","markdown":"https://secwatch.observer/filing/0001558370-24-000413.md","text":"https://secwatch.observer/filing/0001558370-24-000413.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000155837024000413/0001558370-24-000413-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000155837024000413/smbk-20240122x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T20:27:12.174471+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":"57b4d609957e47159fedeac25a7654d724c7b25c","claim":"SMARTFINANCIAL INC. reported fourth quarter ending December 31, 2023 results: net income net income of $6.2 million, or $0.37 per diluted common share, EPS $0.37 per diluted common share.","evidence_excerpt":"On January 22, 2024, SmartFinancial, Inc. (“SmartFinancial”) issued a press release (the “Press Release”) reporting earnings results for its fourth quarter ending December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1038773/000155837024000413/0001558370-24-000413-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter ending December 31, 2023"},{"label":"Net income","value":"net income of $6.2 million, or $0.37 per diluted common share"},{"label":"EPS","value":"$0.37 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"}