Every 8-K 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 8-K covers material events a company has to report between its quarterly 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 earnings for the second quarter of 2026, with net income of $16.3 million and diluted EPS of $0.96, up from $0.69 a year earlier and $0.81 in the prior quarter. Management highlighted approximately 15% annualized loan growth and a tax-equivalent net interest margin of 3.52% as average earning assets reached $5.52 billion.
Asset quality metrics showed low nonperforming levels, with nonperforming assets at 0.23% of total assets and an allowance for credit losses equal to 0.97% of loans and leases. Total assets were $6.12 billion and deposits $5.39 billion at June 30, 2026. The board declared a quarterly cash dividend of $0.09 per share, payable August 17, 2026, to shareholders of record on July 31, 2026.
SmartFinancial, Inc. reported results of its 2026 annual shareholder meeting held on May 21, 2026. Shareholder turnout was strong, with 13,783,833 of 17,098,473 common shares represented, equal to 80.61% of shares outstanding as of the record date.
Shareholders elected ten directors to serve until the 2027 annual meeting, including William (“Billy”) Y. Carroll Jr. and William (“Bill”) Y. Carroll Sr. They also ratified Elliott Davis, PLLC as independent registered public accounting firm for the fiscal year ending December 31, 2026. In addition, shareholders approved, on a non-binding advisory basis, the compensation paid to SmartFinancial’s named executive officers as described in the April 7, 2026 proxy statement.
SmartFinancial, Inc. declared a regular quarterly cash dividend of $0.09 per share of common stock. The dividend is payable on June 1, 2026 to shareholders of record at the close of business on May 15, 2026.
The $0.09 quarterly dividend represents a 12.5% increase from the prior quarterly dividend of $0.08 per share declared in January 2026, signaling a higher ongoing cash return to shareholders.
SmartFinancial, Inc. reported first quarter 2026 net income of $13.7 million, or $0.81 per diluted share, up from $11.3 million, or $0.67, a year earlier and flat with the prior quarter. Loan balances rose by about $155 million, while core deposits increased $95 million, helping drive growth.
Tax-equivalent net interest margin improved to 3.48% from 3.38% in the prior quarter as deposit costs declined, even though loan yields softened slightly. The allowance for credit losses increased to 0.97% of loans following a model change, and nonperforming assets remained low at 0.25% of total assets.
Total assets reached $5.91 billion, deposits totaled $5.20 billion, and shareholders’ equity was $562.2 million. Return on average assets was 0.96% and return on average shareholders’ equity was 9.90%, indicating steady profitability alongside modest balance sheet growth.
SmartFinancial, Inc., through its subsidiary SmartBank, has promoted Cynthia A. Cain to Chief Operating Officer, effective immediately. The new COO role is designed to strengthen the bank’s leadership structure and support long-term growth in a rapidly changing financial services environment.
Ms. Cain will oversee Operations, Technology, Data, AI Governance, Digital & Innovation, and all Payments functions, centralizing key efficiency and client-experience areas under one leader. She has more than 30 years of accounting and financial operations experience and has served as SmartFinancial’s Chief Accounting Officer since August 2022.
The company states there are no special arrangements or family relationships connected to her appointment and no related-party transactions requiring disclosure. A press release detailing the promotion is furnished as an exhibit under Regulation FD.
SmartFinancial, Inc. announced shareholder return actions approved by its board of directors. The board declared a quarterly cash dividend of $0.08 per share of common stock, payable on March 2, 2026 to shareholders of record as of the close of business on February 13, 2026. The company also authorized a new share repurchase program allowing it to buy back up to $10 million of its common stock. This 2026 repurchase program will be effective from March 1, 2026 through February 28, 2027, unless extended by the board.
SmartFinancial, Inc. reported its earnings results for the fourth quarter ended December 31, 2025 and furnished these results through a press release attached as Exhibit 99.1. The company also prepared an investor slide presentation, attached as Exhibit 99.2, to be used in conjunction with its earnings release conference call scheduled for January 21, 2025. The earnings materials and presentation are provided under Items 2.02 and 7.01 of a current report and are designated as furnished rather than filed under the securities laws.
SmartFinancial, Inc. disclosed that it has extended its offer to exchange any and all of the $100.0 million aggregate principal amount of its 7.25% fixed-to-floating rate subordinated notes due 2035. These notes were originally issued in a private placement on August 20, 2025, and the offer allows holders to swap them for an equal principal amount of notes with identical terms that are registered under the Securities Act of 1933. The exchange offer is now scheduled to expire at 5:00 p.m., New York City time, on January 9, 2026, unless it is further extended.
SmartFinancial, Inc. (SMBK) announced a quarterly cash dividend of $0.08 per share. The board declared the dividend on October 31, 2025, with payment scheduled for December 2, 2025 to shareholders of record as of the close of business on November 17, 2025.
The company disclosed the dividend via a November 3, 2025 press release furnished under Regulation FD. This routine cash return signals continued shareholder distributions on a quarterly cadence. Record-date holders will receive the cash payment on the stated payable date.
SmartFinancial, Inc. (SMBK) furnished an update noting it issued a press release reporting third-quarter results for the period ended September 30, 2025, and provided an investor slide deck. The press release is included as Exhibit 99.1 and the investor presentation as Exhibit 99.2. The company plans to review the slides during its earnings conference call on October 22, 2025. Consistent with SEC guidance, these materials are furnished and not deemed filed.
SmartFinancial, Inc., through its wholly owned subsidiary SmartBank, has sold 100% of the equity interests of its insurance subsidiary, SBK Insurance Inc., to Insuragent Purchaser, LLC, a portfolio company of Greater Sum Ventures. SBK Insurance’s current leadership and employees will remain in place and all existing locations will stay open after the transaction, so day-to-day operations are expected to continue under the new ownership.
As part of this transaction, SmartBank plans to maintain a strategic relationship with SBK Insurance, and SMBK has acquired a minority ownership interest in Insuragent Purchaser, LLC, keeping an ongoing economic and strategic connection to the divested business.
SmartFinancial, Inc. entered into a Subordinated Note Purchase Agreement with institutional investors, issuing $100.0 million of 7.25% Fixed-to-Floating Rate Subordinated Notes due 2035. The Notes were sold at 100% of face value and are intended to qualify as Tier 2 regulatory capital.
The company plans to use the net proceeds for general corporate purposes, including the potential redemption of up to $40.0 million of its outstanding 5.625% Fixed-to-Floating Subordinated Notes due 2028. The Notes pay a fixed 7.25% annual rate until September 1, 2030, then reset quarterly to three-month term SOFR plus 385 basis points, and are redeemable at the company’s option on or after September 1, 2030 at par plus accrued interest, subject to specified conditions.