---
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"
generated_at: "2026-05-27T21:50:03.224200+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# SmartFinancial Q4 net income $9.6M ($0.57 EPS); NIM expands 13 bps to 3.24%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-000289
- JSON: https://secwatch.observer/filing/0001558370-25-000289.json
- Plain text: https://secwatch.observer/filing/0001558370-25-000289.txt

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