SMARTFINANCIAL INC. (SMBK) Financial Statements — Income, Balance Sheet, Cash Flow

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Financial Statements — SMBK

Balance Sheet

(in billions USD)

Metric	Q2 2026	Q1 2026	Q3 2025	Q2 2025	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022	Q2 2022	Q1 2022	Q3 2021	Q2 2021	Q1 2021
Cash & Equivalents	0.38	0.35	0.56	0.37	0.42	0.19	0.34	0.48	0.40	0.24	0.31	0.54	0.65	0.76	1.09	0.67	0.56
Net Loans & Leases	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	--	2.47
Total Assets	6.12	5.91	5.78	5.49	5.41	4.91	4.89	4.95	4.80	4.75	4.77	4.80	4.79	4.72	4.38	3.65	3.56
Total Deposits	5.39	5.20	5.05	4.87	4.81	4.32	4.32	4.39	4.25	4.20	4.23	4.28	4.28	4.19	3.80	3.14	3.05
Long-term Debt	0.00	0.00	0.00	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.02	0.01	0.04	0.09	0.08	0.08
Total Liabilities	5.54	5.35	5.25	4.97	4.91	4.42	4.42	4.49	4.35	4.30	4.33	4.38	4.37	4.30	3.96	3.28	3.19
Retained Earnings	0.28	0.26	0.24	0.22	0.21	0.20	0.19	0.18	0.17	0.17	0.16	0.14	0.13	0.13	0.11	0.10	0.10
Total Stockholder Equity	0.58	0.56	0.54	0.52	0.51	0.49	0.47	0.47	0.45	0.44	0.44	0.41	0.42	0.42	0.42	0.37	0.36

Income Statement

(in millions USD) (except per-share rows)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Interest Expense	--	--	--	--	--	--	--	--	--	28.06	25.98	24.27	20.52	17.20	9.70	5.59	3.25	2.80	2.92	2.93
Net Interest Income	48.06	45.88	45.09	42.43	40.34	38.24	37.78	35.03	32.81	31.72	31.52	31.01	31.58	35.98	37.61	36.71	33.06	30.12	29.86	30.38
Provision for Credit Losses	1.46	3.20	4.13	0.23	2.41	0.84	2.00	2.58	0.88	(0.44)	1.53	1.30	0.42	0.55	0.79	0.97	1.25	1.01	0.42	1.15
Non-interest Income	7.89	7.94	8.22	8.64	8.90	8.60	9.03	9.14	7.60	8.38	7.58	0.69	7.13	6.93	7.13	6.25	7.23	7.11	6.81	6.31
Non-interest Expense	33.96	32.92	32.47	33.87	32.57	32.30	32.29	30.85	29.20	28.55	29.70	28.52	27.41	27.53	27.42	27.23	25.93	25.72	27.82	23.31
Pretax Income	20.53	16.76	16.71	16.97	14.26	13.56	12.39	10.75	10.33	11.99	7.83	2.39	11.18	14.83	16.53	14.75	13.12	10.51	8.42	12.23
Tax Provision	4.21	3.08	3.01	3.29	2.56	2.31	2.75	1.61	2.33	2.63	1.64	0.32	2.35	3.33	3.53	3.21	2.90	2.25	1.76	2.63
Net Income	16.32	13.68	13.70	13.69	11.71	11.25	9.64	9.14	8.00	9.36	6.19	2.07	8.84	11.50	13.01	11.54	10.22	8.26	6.66	9.60
Basic EPS	0.97	0.81	0.81	0.82	0.70	0.67	0.57	0.55	0.48	0.56	0.36	0.12	0.53	0.69	0.78	0.69	0.61	0.49	0.37	0.62
Diluted EPS	0.96	0.81	0.81	0.81	0.69	0.67	0.57	0.54	0.48	0.55	0.37	0.12	0.52	0.68	0.77	0.68	0.61	0.49	0.38	0.61

Cash Flow Statement

(in millions USD)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Operating Cash Flow	23.66	16.36	16.53	16.89	14.02	14.29	16.68	12.40	16.54	7.08	11.71	6.68	9.98	11.35	15.21	13.17	17.71	10.69	0.63	14.37
Capital Expenditures	1.20	6.20	0.35	0.33	0.78	0.93	1.33	1.06	1.10	2.91	2.25	0.96	1.50	1.56	1.80	3.33	6.48	0.88	1.77	(1.03)
Free Cash Flow*	22.47	10.16	16.18	16.56	13.24	13.36	15.35	11.34	15.44	4.16	9.45	5.72	8.48	9.79	13.42	9.84	11.23	9.82	(1.14)	15.40
Investing Cash Flow	(175.55)	(176.65)	(171.45)	(95.25)	(133.37)	(98.98)	(183.92)	(160.53)	(72.75)	(3.02)	(78.64)	85.91	(45.68)	(96.83)	(110.96)	(128.46)	(191.84)	(409.56)	(267.45)	171.06
Financing Cash Flow	185.20	41.94	62.21	270.40	61.46	120.11	361.90	(1.79)	(78.90)	121.61	18.95	68.77	(32.33)	125.99	(180.86)	3.37	65.11	117.76	220.74	232.21

* Derived from reported values

Dividends Per Share

(USD)

Metric	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Dividends Per Share	0.09	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.07	0.07	0.07	0.07	0.06	0.05