The latest financial statement is for the quarter ending 2026-03-31.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Provision for credit losses | - | 4,132 | 227 | 3,391 |
| Net income | 13,680 | 13,703 | 13,685 | 22,959 |
| Depreciation and amortization | 1,297 | 1,313 | 1,960 | 4,317 |
| Amortization of intangibles | 457 | 479 | 536 | 1,135 |
| Provision for credit losses | 4,139 | - | - | - |
| Stock compensation expense | 714 | 227 | 478 | 1,234 |
| Net (gain) loss on sale of securities, net | 1 | 0 | -3,715 | -4 |
| Deferred income tax expense | 565 | -324 | -212 | 66 |
| Increase in cash surrender value of bank-owned life insurance | 913 | 915 | 913 | 1,780 |
| Net losses from sale and write-downs of other real estate owned and other repossessed assets | -155 | -124 | -259 | -249 |
| Gain from sale of sbki | - | 0 | 3,955 | - |
| Net loss (gain) from sale/disposal of fixed assets | - | 0 | 0 | -14 |
| Net gains from mortgage banking | 736 | 812 | 683 | 1,070 |
| Origination of loans held for sale | 8,986 | 12,759 | 14,899 | 16,582 |
| Proceeds from sales of loans held for sale | 13,311 | 12,561 | 11,211 | 18,164 |
| Accrued interest receivable | 292 | 604 | 259 | 587 |
| Accrued interest payable | -2,889 | 1,051 | 1,451 | 923 |
| Other assets | 1,073 | -2,828 | -4,336 | 3,050 |
| Other liabilities | -3,068 | -4,474 | -52 | -1,078 |
| Net cash provided by operating activities | 16,360 | 16,530 | 16,885 | 28,309 |
| Proceeds from sales | 13,312 | 0 | 99,966 | - |
| Maturities Prepayments And Calls Of Available For Sale | 14,277 | 17,205 | 28,909 | 26,175 |
| Purchases | 43,761 | 43,525 | 132,978 | 38,842 |
| Proceeds from sale of fixed assets | - | 0 | 56 | 67 |
| Sale And Maturity Of Held To Maturity | 630 | 718 | 638 | 1,118 |
| Proceeds from sales of other investments | - | 0 | 0 | 1,041 |
| Purchases of other investments | 218 | 1,553 | 3,100 | 1,666 |
| Proceeds from sale of sbki, net of transaction cost | - | 93 | 11,107 | - |
| Net increase in loans and leases | 155,016 | 144,478 | 100,172 | 219,692 |
| Purchases of premises and equipment | 6,204 | 354 | 328 | 1,707 |
| Proceeds from sale of other real estate owned and other repossessed assets | 333 | 447 | 650 | 1,157 |
| Net cash used in investing activities | -176,647 | -171,447 | -95,252 | -232,349 |
| Net increase in deposits | 43,450 | 101,896 | 178,783 | 185,659 |
| Repayment of borrowings | - | - | 4,000 | 1,000 |
| Net increase (decrease) in securities sold under agreements to repurchase | 169 | 1,707 | -1,664 | -1,169 |
| Redemption of subordinated debt | - | 40,000 | - | - |
| Proceeds from borrowings | - | 1,500 | 0 | 1,000 |
| Issuance of subordinated debt, net of issuance costs | - | -14 | 98,580 | - |
| Issuance of common stock | - | -1 | 91 | 63 |
| Repayment of borrowings | - | 6,500 | - | - |
| Cash dividends paid | 1,367 | 1,364 | 1,366 | 2,722 |
| Restricted shares withheld for taxes | 311 | 17 | 26 | 265 |
| Net cash provided by financing activities | 41,941 | 62,207 | 270,398 | 181,566 |
| Net change in cash and cash equivalents | -118,346 | -92,710 | 192,031 | -22,474 |
| Cash and cash equivalents, beginning of period | 464,417 | 557,127 | 387,570 | - |
| Cash and cash equivalents, end of period | 346,071 | 464,417 | 557,127 | - |
SMARTFINANCIAL INC. (SMBK)
SMARTFINANCIAL INC. (SMBK)