SmartBank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.9B | $5.2B | $4.5B | $645M | $15M | 1.04% | 9.60% | 3.52% | 0.27% |
| Q4 2025 | $5.9B | $5.2B | $4.3B | $632M | $15M | 1.00% | 9.70% | 3.36% | 0.22% |
| Q3 2025 | $5.8B | $5.1B | $4.2B | $615M | $15M | 0.97% | 9.60% | 3.30% | 0.24% |
| Q2 2025 | $5.5B | $4.9B | $4.1B | $552M | $13M | 0.91% | 9.17% | 3.27% | 0.19% |
| Q1 2025 | $5.4B | $4.8B | $4.0B | $537M | $12M | 0.90% | 9.12% | 3.21% | 0.20% |
| Q4 2024 | $5.3B | $4.7B | $3.9B | $523M | $10M | 0.80% | 7.78% | 3.13% | 0.20% |
| Q3 2024 | $4.9B | $4.3B | $3.7B | $523M | $10M | 0.80% | 7.68% | 3.07% | 0.25% |
| Q2 2024 | $4.9B | $4.3B | $3.5B | $509M | $9M | 0.79% | 7.64% | 2.99% | 0.19% |
| Q1 2024 | $5.0B | $4.4B | $3.4B | $506M | $10M | 0.85% | 8.20% | 2.93% | 0.18% |
| Q4 2023 | $4.8B | $4.3B | $3.4B | $502M | $7M | 0.68% | 6.57% | 3.08% | 0.23% |
| Q3 2023 | $4.8B | $4.3B | $3.3B | $487M | $3M | 0.71% | 6.98% | 3.12% | 0.12% |
| Q2 2023 | $4.7B | $4.2B | $3.3B | $487M | $10M | 0.94% | 9.19% | 3.22% | 0.11% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.