{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-005422","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2024-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.977099+00:00","generated_at":"2026-06-03T13:25:43.013557+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"SmartFinancial Q1 net income $9.4M ($0.55 EPS); loan growth 4% annualized","bullets":["Net income $9.4M ($0.55 diluted EPS) vs $11.5M ($0.68) Q1 2023; operating EPS $0.49.","Net organic loan and lease growth of $34M (4% annualized); deposits up $126.3M (12%).","NIM (tax-equivalent) 2.85% vs 2.86% prior quarter; cost of total deposits 2.52%.","Nonperforming assets to total assets 0.18%, credit quality remains solid.","CEO cites momentum, expense discipline, and margin inflection point on horizon."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-005422","json":"https://secwatch.observer/filing/0001558370-24-005422.json","markdown":"https://secwatch.observer/filing/0001558370-24-005422.md","text":"https://secwatch.observer/filing/0001558370-24-005422.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000155837024005422/0001558370-24-005422-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000155837024005422/smbk-20240422x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T13:25:43.013557+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":"8b8279f3e8b92ae07cb576b707fdf2adeb86e0a5","claim":"SMARTFINANCIAL INC. reported the first quarter of 2024 results: net income $9.4 million, EPS $0.55 per diluted common share.","evidence_excerpt":"SmartFinancial, Inc. (\"SmartFinancial\" or the \"Company\"; NYSE: SMBK), today announced net income of $9.4 million, or $0.55 per diluted common share, for the first quarter of 2024","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1038773/000155837024005422/0001558370-24-005422-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter of 2024"},{"label":"Net income","value":"$9.4 million"},{"label":"EPS","value":"$0.55 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"}