SmartFinancial第二季淨收入1632萬美元 按年大增近四成

SMARTFINANCIAL INC._June 30, 2026
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Table of Contents

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United States Securities and Exchange Commission
Washington, D.C. 20549
FORM 10-Q
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(Mark One)
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☒
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

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For the quarterly period ended June 30, 2026
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☐
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

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For the transition period from __________ to __________
Commission File Number: 001-37661

 (Exact name of registrant as specified in its charter)
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Tennessee

 

62-1173944

(State or other jurisdiction of incorporation or organization)

 

(I.R.S. Employer Identification No.)

 

 

 

5401 Kingston Pike, Suite 600 Knoxville, Tennessee

 

37919

(Address of principal executive offices)

 

(Zip Code)

 

 

 

865-437-5700

 

Not Applicable

(Registrant’s telephone number, including area code)

 

(Former name, former address and former fiscal

 

 

year, if changed since last report)

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Securities registered pursuant to Section 12(b) of the Act:
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Title of each class 
Trading symbol(s)
Name of Exchange on which Registered 

Common Stock, par value $1.00
SMBK
The New York Stock Exchange

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Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
Yes  ☒   No  ☐
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such period that the registrant was required to submit such files).
Yes  ☒    No  ☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer”, “accelerated filer”, “smaller reporting company”, and "emerging growth company" in Rule 12b-2 of the Exchange Act:
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Large accelerated filer  ☐
Accelerated filer  ☒
Non-accelerated filer  ☐
Smaller reporting company  ☐ 
Emerging growth company ☐ 

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
Yes  ☐    No  ☒
As of August 03, 2026, there were 17,098,473 shares of common stock, $1.00 par value per share, issued and outstanding.
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Table of Contents

TABLE OF CONTENTS
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PART I – FINANCIAL INFORMATION
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Item 1.
Consolidated Financial Statements (Unaudited)
3

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Consolidated Balance Sheets at June 30, 2026, and December 31, 2025
3

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Consolidated Statements of Income for the Three and Six Months Ended June 30, 2026, and 2025
4

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Consolidated Statements of Comprehensive Income for the Three and Six Months Ended June 30, 2026, and 2025
5

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Consolidated Statements of Changes in Shareholders’ Equity for the Three and Six Months Ended June 30, 2026, and 2025
6

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Consolidated Statements of Cash Flows for the Six Months Ended June 30, 2026, and 2025
7

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Condensed Notes to Consolidated Financial Statements
8

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Item 2.
Management’s Discussion and Analysis of Financial Condition and Results of Operations
44

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Item 3.
Quantitative and Qualitative Disclosures About Market Risk
60

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Item 4.
Controls and Procedures
60

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PART II – OTHER INFORMATION
61

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Item 1.
Legal Proceedings
61

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Item 1A.
Risk Factors
61

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Item 2.
Unregistered Sales of Equity Securities and Use of Proceeds
61

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Item 3.
Defaults Upon Senior Securities
61

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Item 4.
Mine Safety Disclosures
62

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Item 5.
Other Information
62

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Item 6.
Exhibits
62

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2

Table of Contents

PART I – FINANCIAL INFORMATION
ITEM 1. CONSOLIDATED FINANCIAL STATEMENTS
SMARTFINANCIAL, INC. AND SUBSIDIARY
CONSOLIDATED BALANCE SHEETS
(Dollars in thousands, except for share data)
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 ​
  ​ ​ ​
(Unaudited)
  ​ ​ ​
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 ​
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June 30, 
  ​ ​ ​
December 31, 

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2026
​
2025*

ASSETS:
 
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  ​
 
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  ​

Cash and due from banks
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$
 82,869