secwatch.observer — SEC 8-K summary
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Issuer:     SMARTFINANCIAL INC. (SMBK)
CIK:        0001038773
Form:       8-K
Filed at:   2025-07-21T23:59:59+00:00
Accession:  0001558370-25-009328
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1038773/000155837025009328/0001558370-25-009328-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1038773/000155837025009328/smbk-20250721x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-25-009328

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer