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

SMBK · Jun 30, 2026

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

STATE CAPABILITYLEVEL 4[email protected]
Inspectable configuration

State dimensions

Filing0001104659-26-093447Bank
Sequential deposit growth70thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

3.64% · CORE · VALID

Net-income growth70thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

39.44% · CORE · VALID

Cash and equivalents40thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$379.4M · CORE · VALID

Sequential loan growth65thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

3.65% · 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
0.84%
Current
3.64%
Delta
2.80%
Earnings Growth Increased
Previous
21.56%
Current
39.44%
Delta
17.89%
Liquidity Increased
Previous
$346.1M
Current
$379.4M
Delta
$33.3M
Loan Growth Increased
Previous
3.51%
Current
3.65%
Delta
0.14%
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.

Dec 31, 2024
Similarity
91%
Compared
4 dimensions
Coverage
100%
Liquidity 0.0 · Loan Growth 15.0 · Deposit Growth 10.0 · Earnings Growth 5.0
Dec 31, 2025
Similarity
84%
Compared
4 dimensions
Coverage
100%
Liquidity 10.0 · Loan Growth 5.0 · Deposit Growth 30.0 · Earnings Growth 5.0
Jun 30, 2025
Similarity
80%
Compared
4 dimensions
Coverage
100%
Liquidity 10.0 · Loan Growth 10.0 · Deposit Growth 35.0 · Earnings Growth 15.0
Mar 31, 2015
Similarity
78%
Compared
4 dimensions
Coverage
100%
Liquidity 0.0 · Loan Growth 22.1 · Deposit Growth 30.0 · Earnings Growth 24.5
Dec 31, 2016
Similarity
73%
Compared
4 dimensions
Coverage
100%
Liquidity 40.0 · Loan Growth 5.0 · Deposit Growth 20.0 · Earnings Growth 30.0
Research Graph

Related governed research

Analogous To · SMBK state analogue 5 →Analogous To · SMBK state analogue 3 →Analogous To · SMBK state analogue 2 →Analogous To · SMBK state analogue 1 →Analogous To · SMBK state analogue 4 →Compared To · National Commercial Banks peers →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_INCREASED →

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.