Welcome to our dedicated page for Smartfinancial SEC filings (Ticker: SMBK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Parsing a bank’s filings shouldn’t feel like wading through mortgage paperwork. SmartFinancial Inc’s reports are packed with CECL calculations, liquidity ratios and loan-level details that stretch well past 200 pages. Finding whether construction loans are outpacing deposits or when executives last bought shares can be a time-sink.
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SmartFinancial, Inc. filed a Form D reporting a completed Regulation D offering of debt securities totaling $100,000,000. The filing lists the issuer as SmartFinancial Inc., a Tennessee corporation with its principal place of business in Knoxville. The offering used Rule 506(b) and is not connected to any business combination. The notice shows the full $100,000,000 was sold with $0 remaining, lists 44 investors who have already invested, and reports finders' fees of $1,250,000. The issuer indicates no proceeds were paid to directors, officers, or promoters. The filing was signed by CFO Ronald Gorczynski.
SmartFinancial, Inc. reported stronger results for the quarter ended June 30, 2025, with quarterly net income of $11.705 million versus $8.003 million a year earlier, and six‑month net income of $22.959 million versus $17.360 million in 2024. Net interest income rose to $40.343 million for the quarter from $32.814 million year‑over‑year, while diluted earnings per share were $0.69 for the quarter and $1.36 for the six months.
The balance sheet shows total assets of $5.491 billion, loans and leases of $4.124 billion, and total deposits of $4.872 billion. The allowance for credit losses was $39.776 million (0.96% of loans), and management increased the provision for credit losses to $2.411 million for the quarter ($3.391 million for six months). Securities available‑for‑sale had a fair value of $502.150 million with aggregated unrealized losses driven by interest‑rate changes; management stated no credit‑related charge was necessary. Cash flows show net cash provided by operations of $28.309 million, net cash used in investing of $232.349 million, and net cash provided by financing of $181.566 million.
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