Every 10-Q that SmartFinancial, Inc. (SMBK) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow SMBK and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full SMBK filings page.
SmartFinancial, Inc. reported higher profitability for the quarter and six months ended June 30, 2026. Quarterly net income was $16.3 million, up from $11.7 million a year earlier, and six‑month net income was $30.0 million versus $23.0 million. Net interest income rose to $48.1 million for the quarter and $93.9 million year‑to‑date, reflecting growth in loans and leases to $4.68 billion from $4.36 billion and total assets to $6.12 billion from $5.86 billion at year‑end 2025.
Asset quality coverage strengthened as the allowance for credit losses increased to $45.3 million, or 0.97% of loans and leases, compared with $40.9 million and 0.94%. This was driven by higher provisions for credit losses of $5.6 million for the first half of 2026 versus $3.4 million in the prior‑year period and the adoption of a new discounted cash flow‑based CECL modeling platform for non‑consumer segments. Deposits grew to $5.39 billion, while accumulated other comprehensive loss widened to $12.9 million as higher rates pressured the securities portfolio.
SmartFinancial, Inc. reported stronger quarterly results, with net income of $13.7M for the three months ended March 31, 2026, up from $11.3M a year earlier. Basic and diluted earnings per share were $0.81, compared with $0.67 in 2025.
Total assets reached $5.91B, slightly above $5.86B at December 31, 2025, as loans and leases grew to $4.52B from $4.36B. Deposits were $5.20B, up from $5.15B, while cash and cash equivalents declined to $346.1M from $464.4M as the bank deployed liquidity.
Net interest income increased to $45.9M from $38.2M, but the provision for credit losses rose to $4.1M from $1.0M, reflecting updated credit loss modeling. The allowance for credit losses increased to $44.0M, or 0.97% of total loans and leases, versus 0.94% at year-end. Comprehensive income was $10.6M, down from $15.3M, driven by unrealized losses in the securities portfolio.
SmartFinancial, Inc. (SMBK) reported stronger Q3 2025 results. Net income rose to $13.7 million from $9.1 million a year ago, and diluted EPS increased to $0.81 from $0.54. Net interest income improved to $42.4 million, supported by higher loan yields, while the provision for credit losses was modest at $0.2 million.
Results reflected mixed noninterest items: a $3.7 million loss on securities sales and a $4.0 million gain on the sale of SBK Insurance. Loans and leases expanded to $4.22 billion from $3.91 billion at year‑end, and total deposits reached $5.05 billion. Year‑to‑date, operating cash flow was $45.2 million and deposits increased by $364.4 million. The company issued $98.6 million of subordinated debt, boosting total subordinated debt to $138.6 million.
Total assets were $5.78 billion and shareholders’ equity rose to $538.5 million, aided by an improvement in accumulated other comprehensive loss. Shares outstanding were 17,028,001 as of November 3, 2025.
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.