{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-005082","form_type":"8-K","ticker":"SMBK","cik":"0001038773","company_name":"SMARTFINANCIAL INC.","filed_at":"2025-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.251483+00:00","generated_at":"2026-05-23T09:57:03.818323+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"SmartFinancial Q1 net income $11.3M, EPS $0.67; loan growth 9% annualized","bullets":["Net income of $11.3M ($0.67 diluted EPS) up from $9.4M ($0.55) in Q1 2024.","Operating earnings $11.3M ($0.67 diluted EPS) vs $8.4M ($0.49) in Q1 2024.","Organic loan & lease growth of $86M, 9% annualized QoQ; deposit growth $122M (10% annualized).","Credit quality solid, NPAs to total assets at 0.19%.","Quarterly cash dividend of $0.08/share declared, payable May 19 to holders of record May 2, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-005082","json":"https://secwatch.observer/filing/0001558370-25-005082.json","markdown":"https://secwatch.observer/filing/0001558370-25-005082.md","text":"https://secwatch.observer/filing/0001558370-25-005082.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1038773/000155837025005082/0001558370-25-005082-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1038773/000155837025005082/smbk-20250421x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:57:03.818323+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"}