SmartFinancial(SMBK) - 2025 Q1 - Earnings Call Presentation

Financial Performance Highlights - The company reported GAAP Earnings Per Share (EPS) of $0.55 for 1Q25, compared to $0.57 in 4Q24 and $0.49 in 1Q24[10] - Operating EPS reached $0.67 in 1Q25, up from $0.57 in 4Q24 and $0.49 in 1Q24[10] - Tangible book value per share increased to $23.61 in 1Q25, from $22.85 in 4Q24 and $21.12 in 1Q24[10] - Operating Return on Average Assets (ROAA) was 0.87% in 1Q25, compared to 0.75% in 4Q24 and 0.69% in 1Q24[10] - Operating Return on Average Tangible Common Equity (ROATCE) was 11.6% in 1Q25, up from 9.9% in 4Q24 and 9.5% in 1Q24[10] Balance Sheet and Loan Portfolio - Total assets reached $5.4 billion[10,39] - Total loans amounted to $4.0 billion[39] - Total deposits reached $4.8 billion[39] - The loan-to-deposit ratio stood at 83%[10] - Non-performing assets represented 0.19% of total assets[10]