{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-000289","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2025-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.764978+00:00","generated_at":"2026-05-27T21:50:03.224200+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"SmartFinancial Q4 net income $9.6M ($0.57 EPS); NIM expands 13 bps to 3.24%","bullets":["Net income $9.6M ($0.57 diluted EPS) vs $6.2M ($0.37) in Q4 2023; operating EPS also $0.57.","Net organic loan growth $189M, 20% annualized QoQ increase.","Tax-equivalent NIM rose 13 bps QoQ to 3.24%; cost of total deposits fell to 2.43%.","Nonperforming assets remain low at 0.19% of total assets.","Chairman noted 10% annual tangible book value growth and profitability improvement."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-000289","json":"https://secwatch.observer/filing/0001558370-25-000289.json","markdown":"https://secwatch.observer/filing/0001558370-25-000289.md","text":"https://secwatch.observer/filing/0001558370-25-000289.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000155837025000289/0001558370-25-000289-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000155837025000289/smbk-20250121x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T21:50:03.224200+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"}