---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-009328"
form_type: "8-K"
ticker: "SMBK"
cik: "0001038773"
company_name: "SMARTFINANCIAL INC."
filed_at: "2025-07-21T23:59:59+00:00"
generated_at: "2026-05-18T04:54:55.908838+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# SmartFinancial Q2 net income $11.7M ($0.69 EPS), up 46% YoY; loan growth 13% annualized

## Summary
- Net income $11.7M ($0.69 diluted EPS) vs $8.0M ($0.48) in Q2 2024, a 46% increase.
- Operating earnings $0.69 per share, compared to $0.46 in Q2 2024.
- Organic loan growth $132M (13% annualized QoQ); NPAs remained low at 0.19% of assets.
- Net interest margin expanded to 3.29% from 3.21% prior quarter; net interest income $40.3M.
- Tangible book value per share grew 13.7% sequentially.

## SEC filing metadata
- accession: 0001558370-25-009328
- form_type: 8-K
- ticker: SMBK
- cik: 0001038773
- company_name: SMARTFINANCIAL INC.
- filed_at: 2025-07-21T23:59:59+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/1038773/000155837025009328/0001558370-25-009328-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1038773/000155837025009328/smbk-20250721x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-009328
- JSON: https://secwatch.observer/filing/0001558370-25-009328.json
- Plain text: https://secwatch.observer/filing/0001558370-25-009328.txt

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