---
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"
generated_at: "2026-06-06T20:27:12.174471+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# SmartFinancial Q4 net income $6.2M ($0.37 EPS); operating EPS $0.41; loan growth 8% annualized

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-24-000413
- JSON: https://secwatch.observer/filing/0001558370-24-000413.json
- Plain text: https://secwatch.observer/filing/0001558370-24-000413.txt

## Key facts
- Earnings Releases
  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.
  - Period: fourth quarter ending December 31, 2023
  - Net income: net income of $6.2 million, or $0.37 per diluted common share
  - EPS: $0.37 per diluted common share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1038773/000155837024000413/0001558370-24-000413-index.htm

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