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SmartFinancial (SMBK) investor relations material
SmartFinancial Registration filing summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Company overview and business model
Operates as a bank holding company through a wholly-owned bank subsidiary, providing commercial and consumer banking services via 42 branches and two loan production offices in Tennessee, Alabama, Florida, and Georgia.
Principal business involves attracting deposits and investing in commercial, real estate, consumer, and construction loans, as well as government and municipal securities.
As of March 31, 2026, reported total assets of $5.9 billion, total loans of $4.5 billion, total deposits of $5.2 billion, and shareholders' equity of $562.2 million.
Financial performance and metrics
Consolidated financial statements for 2024 and 2025 audited by independent firms, with internal controls over financial reporting deemed effective.
Use of proceeds and capital allocation
Net proceeds from securities sales will be used as specified in the applicable prospectus supplement; no proceeds from resale of shares by selling shareholders.
- Q1 2026 saw higher net income, strong loan growth, and improved net interest margin.SMBK
Q1 202611 May 2026 - Key votes on directors, auditor, and executive pay set for May 2026 annual meeting.SMBK
Proxy filing7 Apr 2026 - Annual meeting to vote on directors, auditor, and executive pay, with strong governance focus.SMBK
Proxy filing7 Apr 2026 - Loan growth, margin expansion, and strong credit quality drive optimism for H2 2024.SMBK
Q2 20243 Feb 2026 - Record earnings, double-digit loan growth, and margin expansion set strong momentum for 2026.SMBK
Q4 202521 Jan 2026 - Q3 2024 net income surged to $9.1M on strong loan growth, margin expansion, and solid credit quality.SMBK
Q3 202419 Jan 2026 - Q4 2024 net income up 55% year-over-year, driven by loan growth and margin expansion.SMBK
Q4 20249 Jan 2026 - Q1 2025 net income rose 20%+ to $11.3M, with strong loan and deposit growth and stable credit quality.SMBK
Q1 202524 Dec 2025 - Annual meeting to vote on directors, auditor, executive pay, and new incentive plan.SMBK
Proxy Filing1 Dec 2025
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