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Smartfinancial Inc (SMBK) Annual Income Statement

Annual · GAAP · USD millions
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From Smartfinancial Inc through Dec 31 2021, changes in Dec 31 2025's revenue and cost structure provide insight into profitability trends.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases248.67
Interest and Dividend Income, Securities, Operating21.89
Other Income15.26
Total Interest Income285.82
Interest Expense, Deposits114.75
Interest Expense, Subordinated Notes and Debentures4.97
Interest Expense, Debt0.00
Net Interest (-)Expense / Income-119.71
Net Interest Income166.10
Provision for loan losses7.75
Total Net Interest Income158.35
Investment Banking Revenue6.58
Noninterest Income, Other8.41
Gain (Loss) on Disposition of Assets and Other Investments3.96
Loss / Gain on Investment0.00
Other Non-Interest Income15.25
Total Non-interest Income34.35
Total Revenues192.71
Costs & Expenses
Salaries & employee benefits, SGA78.30
Restructuring, Accretion & impairment charges1.33
Depreciation & Amortization2.15
Foreclosed Real Estate Expense3.24
Information Technology and Data Processing10.32
Professional Fees4.78
Federal Deposit Insurance Corporation Premium Expense4.00
Other Noninterest Expense11.79
Other loss /-income1.62
Total Operating Expenses131.21
Total Costs & Expenses250.92
Income & Taxes
Income /-loss before income taxes61.50
Income taxes expenses/-benefit11.15
Income after income taxes50.35
Net income/-loss of other equity0.00
Income /-loss after income taxes50.35
Net Income/-loss50.35
Income/-loss to shareholder50.35
Earnings Per Share
Basic EPS (excl. extra items)3.00
Basic Net EPS3.00
Basic shares outstanding (Mill. of Units)16.78
Diluted Net EPS2.98
Diluted average shares (Mill. of Units)16.90
Dividend per share0.32
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About Smartfinancial Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.