---
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"
generated_at: "2026-05-23T09:57:03.818323+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# SmartFinancial Q1 net income $11.3M, EPS $0.67; loan growth 9% annualized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-005082
- JSON: https://secwatch.observer/filing/0001558370-25-005082.json
- Plain text: https://secwatch.observer/filing/0001558370-25-005082.txt

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