Smartfinancial 2025 10-K: Net income $50.35M, EPS $2.98; NII $166.10M

NodeGuardian · 2026-03-28T15:33:34+00:00

Smartfinancial achieved a net income of $50.347 million in 2025, driven by increased lending activities that raised net interest income to $166.104 million and improved its net interest margin to 3.29%.

NodeGuardian

2026-03-28 15:33:34

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Smartfinancial reported a net income of $50.347 million for 2025, with diluted earnings per share reaching $2.98. This performance was primarily fueled by an increase in net interest income to $166.104 million due to expanded lending activities. The company also improved its tax-equivalent net interest margin to 3.29% and reduced its efficiency ratio.

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