{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-24-013421","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2024-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.451662+00:00","generated_at":"2026-05-30T12:13:40.988640+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"SmartFinancial Q3 net income $9.1M ($0.54 EPS), up from $2.1M year ago; loan growth 16% annualized","bullets":["Net income of $9.1M ($0.54 diluted EPS) vs $2.1M ($0.12) in Q3 2023; operating EPS $0.54.","Net interest margin expanded 14 bps to 3.11% QoQ; net interest income $35.0M.","Organic loan and lease growth of $144M (16% annualized QoQ); NPAs only 0.26% of assets.","Tangible book value per share grew 19% annualized QoQ; REIT subsidiary established for tax savings."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-24-013421","json":"https://secwatch.observer/filing/0001558370-24-013421.json","markdown":"https://secwatch.observer/filing/0001558370-24-013421.md","text":"https://secwatch.observer/filing/0001558370-24-013421.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000155837024013421/0001558370-24-013421-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000155837024013421/smbk-20241021x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T12:13:40.988640+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}