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SmartFinancial SMBK Net Interest Income (After Provisions)
Net Interest Income (After Provisions) at other companies
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Where this comes from
Reported directly by SmartFinancial in its filing.
Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.
The source filing: SmartFinancial’s 10-Q, filed August 10, 2026.
- Filed
- Aug 10, 2026, 5:01 PM EDT
- Fiscal quarter
- Q2 FY2026
- Calendar quarter
- Q2 2026
- Accession
- 0001104659-26-093447
| Line item | Three Months Ended / June 30, 2026 | Three Months Ended / June 30, 2025 | Six Months Ended / June 30, 2026 | Six Months Ended / June 30, 2025 |
|---|---|---|---|---|
| Total interest expense | 29,978 | 29,110 | 58,371 | 57,248 |
| Net interest income | 48,064 | 40,343 | 93,941 | 78,582 |
| Provision for credit losses | 1,463 | 2,411 | 5,602 | 3,391 |
| Net interest income after provision for credit losses | 46,601 | 37,932 | 88,339 | 75,191 |
| Noninterest income: | ||||
| Service charges on deposit accounts | 1,881 | 1,766 | 3,734 | 3,502 |
| Gain (loss) on sale of securities, net | 54 | (4) | 55 | (4) |
| Mortgage banking | 916 | 633 | 1,676 | 1,126 |
Item 1. Consolidated Financial Statements (Unaudited)
FAQ
- What is SmartFinancial's net interest income (after provisions)?
- SmartFinancial (SMBK) reported net interest income (after provisions) of $46.6M in Q2 2026.
- How has SmartFinancial's net interest income (after provisions) changed year-over-year?
- SmartFinancial's net interest income (after provisions) increased by 22.9% year-over-year, from $37.93M to $46.6M.
- What is the long-term trend for SmartFinancial's net interest income (after provisions)?
- Over 4 years (2021 to 2025), SmartFinancial's net interest income (after provisions) has grown at a 9.1% compound annual growth rate (CAGR), from $111.76M to $158.36M.
- What does net interest income (after provisions) mean?
- Net interest income adjusted for the provision for loan and lease losses, which represents the bank's estimate of potential credit defaults. This metric provides a more accurate view of the bank's sustainable earnings after accounting for the inherent risk in its loan portfolio. It is a critical measure for assessing the quality of the bank's credit underwriting.
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