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SMARTFINANCIAL INC. (SMBK) filed an 8-K current report with the SEC on April 20, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure), Item EX-99.1 (Exhibit EX-99.1). Q1 2026 earnings results for quarter ended March 31, 2026.
SMARTFINANCIAL INC. 8-K event analysis
AI summary of each reported item and its exhibits
Item 2.02 · Results of Operations and Financial Condition
- Q1 2026 earnings results for quarter ended March 31, 2026
- Press release issued April 20, 2026
- Detailed financial results available in Exhibit 99.1
Item 7.01 · Regulation FD Disclosure
- Investor presentation filed as Exhibit 99.2 for review during the April 20, 2026 earnings conference call
- Reg FD filing provides investors with supplemental presentation materials ahead of the earnings discussion
Item EX-99.1 · Exhibit EX-99.1
- Q1 2026 net income $13.7M, or $0.81 diluted EPS, up from $11.3M and $0.67 year over year
- Organic loans and leases grew $155M, a 14% annualized quarterly increase, supporting future interest income
- Core deposits increased $95M, or 7% annualized, despite a projected $68M seasonal client withdrawal
- FTE net interest margin expanded to 3.48% from 3.38% as deposit costs declined to 2.60%
- Credit metrics weakened modestly: nonperforming loans rose to 0.27% from 0.22%, while ACL coverage increased to 0.97%
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