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.
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.