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.
The SmartFinancial, Inc. (NYSE: SMBK) SEC filings page brings together the company’s regulatory disclosures, including current reports on Form 8-K and registration-related documents referenced in its public announcements. SmartFinancial is a Tennessee-incorporated bank holding company based in Knoxville, Tennessee, and its filings provide detailed insight into the operations and capital structure supporting SmartBank, a full-service commercial bank founded in 2007 with branches across Tennessee, Alabama, and Florida.
Recent Form 8-K filings for SmartFinancial cover a range of material events and Regulation FD disclosures. These include quarterly earnings releases that report results of operations and financial condition, with exhibits providing full press releases and investor slide presentations. Through these filings, readers can review information on net interest income, net interest margin, loan and lease growth, deposit trends, noninterest income and expense, credit quality measures, and non-GAAP metrics such as operating earnings and tangible book value per share.
SmartFinancial’s 8-K filings also document board actions on regular quarterly cash dividends, specifying dividend amounts, record dates, and payment dates. Other filings describe capital and funding transactions, such as the Subordinated Note Purchase Agreement under which the company issued $100.0 million of 7.25% Fixed-to-Floating Rate Subordinated Notes due 2035, intended to qualify as Tier 2 capital, and a subsequent exchange offer for registered notes with identical terms. These documents outline key terms of the notes, including maturity, interest structure, redemption provisions, and subordination.
Additional 8-K disclosures address corporate transactions, such as the sale of SBK Insurance Inc. by SmartBank and SmartFinancial’s minority ownership interest in the purchaser’s parent entity, as well as the expectation of a continuing strategic relationship. Together, these filings provide a regulatory record of SmartFinancial’s earnings communication, dividend policy, capital management, and selected subsidiary transactions.
On this page, users can access SmartFinancial’s SEC filings as they are made available through EDGAR. AI-powered tools on the platform can help summarize lengthy documents, highlight key terms in subordinated debt agreements, and surface important data points from earnings-related filings, making it easier to interpret SMBK’s regulatory disclosures without reading every line.
A shareholder of SMBK has filed a Form 144 notice to sell 10,625 shares of common stock through Morgan Stanley Smith Barney LLC on or about December 10, 2025 on the NYSE. The shares to be sold have an indicated aggregate market value of $403,887.06, while 17,028,001 shares of the same class were outstanding at the time of the notice.
The securities were originally acquired in two private transactions from the issuer or an affiliate, one on September 15, 2008 for 6,375 shares and another on December 9, 2012 for 4,250 shares, each described as private acquisitions from the issuer or an affiliate and fully paid in cash. The person for whose account the sale is to be made represents that they do not know of any material adverse information about the issuer’s operations that has not been publicly disclosed.
SmartFinancial, Inc. is conducting an exchange offer covering up to $100,000,000 aggregate principal amount of its 7.25% fixed‑to‑floating rate subordinated notes due 2035. Investors can swap privately placed, unregistered notes issued in August 2025 for SEC‑registered notes with essentially identical economic terms.
The exchange does not generate cash for SmartFinancial and does not increase total indebtedness; exchanged Old Notes will be cancelled. The New Notes pay a fixed 7.25% rate to September 1, 2030, then float at Three‑Month Term SOFR plus 385 basis points to maturity on September 1, 2035, and may be redeemed at par on or after September 1, 2030, or earlier upon certain regulatory or tax events, subject to Federal Reserve approval.
The notes are unsecured, subordinated obligations of the holding company and are structurally subordinated to liabilities of SmartBank and other subsidiaries. The company highlights risks including limited covenants, lack of an expected trading market, potential SOFR benchmark changes, and adverse liquidity and transfer restrictions for holders who choose not to exchange their Old Notes.
SmartFinancial Inc. (SMBK) insider reports small stock sale. An executive vice president and chief credit officer of SmartFinancial Inc. filed a Form 4 disclosing the sale of 250 shares of common stock on 11/18/2025 at a price of $35 per share. After this transaction, the reporting person directly holds 10,104 shares of SmartFinancial common stock. The filing notes that it was submitted by an attorney-in-fact on behalf of the reporting person.
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. (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. is offering to exchange up to
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. 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. 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.