SmartFinancial reports Q2 2026 EPS of $0.96, 15% annualized loan growth, margin expands to 3.52%

Filed July 20, 2026 · Period ending July 20, 2026 · ~1 min read

Key Changes

• high

  Q2 2026 operating EPS of $0.96, up 19% quarter-over-quarter and 39% year-over-year, with operating ROATCE of 13.7% and efficiency ratio improving to 60.4%.

  Exhibit 99.2 view on EDGAR →
• high

  Net interest margin expanded to 3.52% from 3.48% prior quarter as loan yields rose to 5.95% while deposit costs increased only 2 basis points to 2.62%.

  Exhibit 99.1 view on EDGAR →
• high

  Organic loan growth of $165 million representing 15% annualized increase; total assets surpassed $6 billion with loan-to-deposit ratio at 87%.

  Exhibit 99.2 view on EDGAR →