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SmartFinancial SMBK Fees And Commissions Depositor Accounts1

Fees And Commissions Depositor Accounts1 at other companies

Bar Harbor Bankshares logo
Bar Harbor BanksharesBHB
$4.72M+31.4%
Bar Harbor Bankshares logo
Bar Harbor BanksharesBHB
$4.72M+31.4%
Hanmi Financial logo
Hanmi FinancialHAFC
$2.1M-3.1%
Hanmi Financial logo
Hanmi FinancialHAFC
$2.1M-3.1%
Ameris Bancorp logo
Ameris BancorpABCB
$14.04M+4.1%
Red River Bancshares, Inc. logo
Red River Bancshares, Inc.RRBI
$1.39M+3.8%

Segments

By segment

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General Banking Unit$1.88M+6.5%

Other financials

Income statement

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Revenue$56.0M+13.6%
Net income$16.3M+39.4%
EPS (diluted)$0.96+39.1%

Balance sheet

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Cash & equivalents$379.4M+3.9%
Total debt$11.0M-11.6%
Total equity$576.8M+11.1%
Total assets$6.1B+11.4%

Cash flow

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Operating cash flow$23.7M+68.8%
CapEx$1.2M+53.9%
Free cash flow$22.5M+69.6%

Valuation

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Market cap$887.92M+55.5%
Enterprise value$519.54M+138%
P/E15.5×+1.8×
P/S4.2×+1.1×

Profitability

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Net margin26.8%+4.5pp
FCF margin30.5%+2.0pp

Returns & leverage

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Return on equity10.5%+2.1pp
Debt / equity0.0×

Where this comes from

Reported directly by SmartFinancial in its filing.

Tagged under the XBRL concept smbk:FeesAndCommissionsDepositorAccounts1.

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 itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Provision for credit losses1,4632,4115,6023,391
Net interest income after provision for credit losses46,60137,93288,33975,191
Noninterest income:
Service charges on deposit accounts1,8811,7663,7343,502
Gain (loss) on sale of securities, net54(4)55(4)
Mortgage banking9166331,6761,126
Investment services1,7241,4403,5203,209
Insurance commissions1,5542,967

Item 1. Consolidated Financial Statements (Unaudited)

FAQ

What is SmartFinancial's fees and commissions depositor accounts1?
SmartFinancial (SMBK) reported fees and commissions depositor accounts1 of $1.88M in Q2 2026.
How has SmartFinancial's fees and commissions depositor accounts1 changed year-over-year?
SmartFinancial's fees and commissions depositor accounts1 increased by 6.5% year-over-year, from $1.77M to $1.88M.
What is the long-term trend for SmartFinancial's fees and commissions depositor accounts1?
Over 4 years (2021 to 2025), SmartFinancial's fees and commissions depositor accounts1 has grown at a 11.4% compound annual growth rate (CAGR), from $4.65M to $7.16M.
What does fees and commissions depositor accounts1 mean?
Revenue generated from service charges, maintenance fees, and other transaction-related costs associated with customer deposit accounts. This represents a stable, non-interest income stream that helps diversify the bank's revenue base. It reflects the bank's ability to monetize its retail and commercial deposit relationships.

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