GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

SMBK · Sep 30, 2025

SMARTFINANCIAL INC.. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0001104659-25-108550Bank
Sequential deposit growth60thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

3.67% · CORE · VALID

Net-income growth85thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

49.74% · CORE · VALID

Cash and equivalents75thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$557.1M · CORE · VALID

Sequential loan growth50thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

2.42% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History60 statesSelf-history eligible
Sep 30, 20215/5 normalizedLevel 3Dec 31, 20215/5 normalizedLevel 3Mar 31, 20225/5 normalizedLevel 3Jun 30, 20225/5 normalizedLevel 3Sep 30, 20225/5 normalizedLevel 3Dec 31, 20225/5 normalizedLevel 3Mar 31, 20235/5 normalizedLevel 3Jun 30, 20235/5 normalizedLevel 3Sep 30, 20235/5 normalizedLevel 3Dec 31, 20235/5 normalizedLevel 3Mar 31, 20245/5 normalizedLevel 3Jun 30, 20244/4 normalizedLevel 3Sep 30, 20244/4 normalizedLevel 3Dec 31, 20244/4 normalizedLevel 3Mar 31, 20254/4 normalizedLevel 3Jun 30, 20254/4 normalizedLevel 3Sep 30, 20254/4 normalizedLevel 3Dec 31, 20254/4 normalizedLevel 3Mar 31, 20264/4 normalizedLevel 3Jun 30, 20264/4 normalizedLevel 4
Period transition

What moved in the state?

Deposit Growth Increased
Previous
1.32%
Current
3.67%
Delta
2.35%
Earnings Growth Increased
Previous
46.26%
Current
49.74%
Delta
3.48%
Liquidity Increased
Previous
$365.1M
Current
$557.1M
Delta
$192.0M
Loan Growth Decreased
Previous
3.29%
Current
2.42%
Delta
-0.87%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Transitioned To · SMBK Fundamental State →Transitioned To · SMBK Fundamental State →Transitioned To · SMBK DEPOSIT_GROWTH_INCREASED →Transitioned To · SMBK EARNINGS_GROWTH_INCREASED →Transitioned To · SMBK LIQUIDITY_INCREASED →Transitioned To · SMBK LOAN_GROWTH_DECREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.