SmartFinancial(SMBK) - 2025 Q2 - Earnings Call Presentation

Financial Performance Highlights - The company's GAAP Earnings Per Share (EPS) increased from $0.48 in 2Q24 to $0.69 in 2Q25[10] - The company's Operating EPS increased from $0.46 in 2Q24 to $0.69 in 2Q25[10] - The company's Operating Return on Average Assets (ROAA) was 0.88% in 2Q25[10] - The company's Operating Return on Average Tangible Common Equity (ROATCE) was 11.5% in 2Q25[10] - The company's Tangible Book Value (TBV) per share increased from $21.66 in 2Q24 to $24.42 in 2Q25[10] Balance Sheet and Loan Portfolio - Total assets reached $5.5 billion[10] - Total loans amounted to $4.1 billion[39] - Total deposits reached $4.9 billion[39] - The loan-to-deposit ratio was 85%[10] - Non-Performing Assets (NPAs) to total assets ratio was 0.19%[10]