SmartFinancial, Inc. reports developments for its bank holding company operations through SmartBank, a full-service commercial bank serving individuals and corporate customers across Tennessee, Alabama, and Florida. Company news centers on quarterly earnings, loan and deposit growth, net interest margin, credit quality, provisions for credit losses, and the performance of earning assets such as loans and securities.
Recurring updates also cover capital and shareholder actions, including regular cash dividends, share repurchase authorization, and subordinated note exchange activity. SmartFinancial’s releases commonly connect operating results with commercial, real estate, consumer, and construction lending activity at SmartBank.
SmartFinancial (SMBK) reported third-quarter 2026 net income of $18.6 million, up from both the year-earlier period and the prior quarter. Diluted earnings per share were $1.10, versus $0.81 a year earlier and $0.96 in the second quarter. Net organic loan and lease growth was $174 million, while core deposits grew $163 million, representing annualized quarterly increases of 15% and 12%, respectively.
Net interest income rose to $49.4 million from $48.1 million, but the tax-equivalent net interest margin narrowed to 3.45% from 3.52% as funding costs increased. Noninterest expense rose to $36.4 million from $34.0 million. A $2.6 million tax benefit from purchased transferable energy tax credits helped reduce tax expense. Nonperforming loans and leases increased to 0.28% of total loans and leases from 0.25%. SmartFinancial also opened a full-service financial center in Columbus, Georgia.
SmartFinancial (NYSE: SMBK) plans to release third-quarter 2026 earnings on October 19, 2026, followed by a conference call the next day.
The call is scheduled for October 20, 2026, at 10:00 a.m. ET. Earnings and presentation materials will be available on the company website, with a call replay available through October 20, 2027.
SmartFinancial (NYSE: SMBK) reported second quarter 2026 net income of $16.3 million, or $0.96 per diluted share, up from $11.7 million, or $0.69, a year ago and $13.7 million, or $0.81, in the prior quarter. Operating earnings equaled net income. Net interest income rose to $48.1 million, with tax-equivalent net interest margin improving to 3.52%. Net organic loan and lease balances grew $165 million quarter over quarter (15% annualized), and SmartFinancial surpassed $6.0 billion in total assets.
Core deposits increased $83 million (6% annualized), while tangible book value per common share rose to $28.22. Credit quality metrics remained low, with nonperforming loans and leases at 0.25% of total loans. The board declared a regular quarterly cash dividend of $0.09 per share, payable August 17, 2026, to shareholders of record on July 31, 2026.
SmartFinancial (NYSE: SMBK) scheduled its Second Quarter 2026 earnings release and conference call. The earnings release will be issued on Monday, July 20, 2026.
The company will host a conference call on Tuesday, July 21, 2026 at 10:00 a.m. ET, with replay access available online through July 21, 2027.
SmartFinancial (NYSE: SMBK) announced on April 30, 2026 that its board declared a quarterly cash dividend of $0.09 per share, payable June 1, 2026 to holders of record at the close of business on May 15, 2026. This dividend is a 12.5% increase over the prior quarterly dividend of $0.08 per share declared in January 2026.
SmartFinancial (NYSE: SMBK) reported Q1 2026 net income of $13.7 million, or $0.81 per diluted share, versus $11.3 million, or $0.67 per diluted share, in Q1 2025.
Key operating highlights: net organic loan and lease growth of $155 million (14% annualized), deposit growth excluding brokered deposits of $95 million (7% annualized), and tax-equivalent net interest margin expanded to 3.48%. The allowance for credit losses rose to 0.97% of loans after an ACL model change. Total assets were $5.91 billion at March 31, 2026.
SmartFinancial (NYSE: SMBK) will release first-quarter 2026 results on Monday, April 20, 2026 before market open and will host a conference call that day at 10:00 a.m. ET.
Company materials (earnings release and presentation) will be posted at 9:00 a.m. ET on the company website. Dial-in and replay access codes and numbers are provided for live and archived listening through July 19, 2026.
SmartFinancial (NYSE: SMBK) announced a quarterly cash dividend of $0.08 per share, payable March 2, 2026, to shareholders of record on February 13, 2026. The board also authorized a $10 million share repurchase program effective March 1, 2026 through February 28, 2027.
The 2026 Repurchase Plan replaces the prior plan, permits open-market and negotiated repurchases and may use Rule 10b5-1 plans; it does not obligate SmartFinancial to repurchase any particular amount and may be amended or suspended by the board.
SmartFinancial (NYSE: SMBK) reported fourth-quarter 2025 net income of $13.7 million or $0.81 per diluted share, up from $9.6 million, $0.57 per share, in Q4 2024. Operating earnings were $13.7 million, or $0.81 per diluted share. Key operating metrics: $141 million net organic loan and lease growth (13% annualized quarter-over-quarter), deposit growth of $102 million, and tax-equivalent net interest margin expanded to 3.38%. Allowance for credit losses was $40.9 million (0.94% of loans). Total assets were $5.86 billion and tangible book value per common share rose to $26.85.
SmartFinancial (NYSE: SMBK) will release its fourth quarter 2025 earnings on Tuesday, January 20, 2026 after market close and will host a conference call on Wednesday, January 21, 2026 at 10:00 a.m. ET.
Dial-in numbers for the live teleconference are (833) 470-1428 or (646) 844-6383 with access code 680807. Call materials (earnings release and presentation) will be posted at 9:00 a.m. ET on the company website http://www.smartfinancialinc.com/CorporateProfile. A replay will be available through March 21, 2026 at (866) 813-9403 or (929) 458-6194 with access code 497919.