Financial insights of SMBK

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$13,680K
EPS
$0.81
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans and leases, including fees	65,638	60,671*	64,282	61,049
Taxable	5,492	5,575*	4,876	4,848
Tax-exempt	555	472*	441	395
Federal funds sold and other earning assets	2,585	3,299*	4,919	3,161
Total interest income	74,270	70,017*	74,518	69,453
Deposits	26,529	26,600*	30,464	28,301
Borrowings	1	29*	14	70
Subordinated debt	1,864	1,443*	1,610	739
Total interest expense	28,394	28,071*	32,088	29,110
Net interest income	45,876	41,946*	42,430	40,343
Provision for credit losses	4,139	3,793*	227	2,411
Net interest income after provision for credit losses	41,737	38,153*	42,203	37,932
Insurance commissions	-	112*	1,049	1,554
Service charges on deposit accounts	1,853	1,766*	1,831	1,766
Loss (gain) on sale of securities, net	1	1,860*	-3,715	-4
Mortgage banking	760	660*	709	633
Investment services	1,796	1,887*	1,690	1,440
Interchange and debit card transaction fees, net	1,418	1,255*	1,338	1,342
Loss on sale of sbk insurance ('sbki')	-	-1,977*	3,955	-
Other	2,113	2,489*	1,780	2,167
Total noninterest income	7,941	8,050*	8,637	8,898
Salaries and employee benefits	20,414	21,543*	19,544	19,602
Occupancy and equipment	3,344	3,336*	3,468	3,432
Fdic insurance	750	977*	1,025	992
Other real estate and loan related expense	792	653*	969	757
Advertising and marketing	387	353*	454	390
Data processing and technology	2,436	2,449*	2,594	2,651
Professional services	1,193	1,361*	1,123	1,153
Amortization of intangibles	457	497*	536	566
Merger related and restructuring expenses	-	-2,604*	1,310	-
Other	3,142	2,984*	2,846	3,026
Total noninterest expense	32,915	31,548*	33,869	32,569
Income before income tax expense	16,763	14,654*	16,971	14,261
Income tax expense	3,083	2,393*	3,285	2,556
Net income	13,680	12,261	13,686	11,705

Basic EPS	0.81	0.731	0.82	0.7
Diluted EPS	0.81	0.725	0.81	0.69
Basic Average Shares	16,821,486	16,776,833	16,781,236	16,778,988
Diluted Average Shares	16,935,530	16,901,901	16,908,920	16,878,736

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$13,680K
EPS
$0.81
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$13,680K
EPS
$0.81
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$13,680KEPS$0.81Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$13,680KEPS$0.81Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$13,680K
EPS
$0.81
Unit: Thousand (K) dollars

Net Income
$13,680K
EPS
$0.81
Unit: Thousand (K) dollars