SMARTFINANCIAL INC.

SMBK · XNYS

CIK 1038773fmd_0H8D86RT68KA5AS1TXXZG5TS4ZFinance, Insurance and Real Estate · National Commercial BanksTemplate: Financials

Coverage: Jan 01, 2009 to Sep 30, 2026, 67 periods

Income Statement · Annual · Millions · USD
Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total revenues	42	51	83	99	116	137	165	152	172	200
Total interest income	43	52	92	108	118	125	159	218	251	286
Investment banking revenue	–	–	–	1	2	2	4	5	6	7
Net interest income	38	46	77	84	101	113	138	130	137	166
Provision for credit losses	1	1	3	3	9	2	4	3	5	8
Realized investment gains (losses)	–	0	0	–	–	–	–	–	–	–
Net interest income after provision	37	46	74	81	92	112	133	127	132	158
Non-interest income	4	5	7	15	15	24	28	22	34	34
Compensation and benefits	18	21	31	37	43	52	63	66	72	78
Non-interest expense	32	39	59	63	77	91	106	113	121	131
Interest expense	4	6	16	25	17	12	21	88	114	120
Income before taxes	9	11	21	33	31	44	55	36	45	62
Income tax expense	3	6	3	7	7	10	12	8	9	11
Net income from continuing operations	6	5	18	27	24	35	43	29	36	50
Net income	6	5	18	27	24	35	43	29	36	50
Net income to common shareholders	5	5	18	27	24	35	43	29	36	50