SmartFinancial, Inc. (NYSE: SMBK) reported its financial results for the second quarter of 2025, showing a net income of $11.7 million, compared to $8.0 million in the same quarter of 2024, and $11.3 million in the first quarter of 2025. Earnings per diluted common share increased to $0.69, up from $0.48 in the second quarter of 2024 and $0.67 in the previous quarter. Net interest income for the second quarter of 2025 was $40.3 million, an increase from $38.2 million in the prior quarter. The company witnessed net organic loan and lease growth of $132 million, marking a 13% annualized increase quarter-over-quarter. The company highlighted five consecutive quarters of positive operating leverage, with non-performing assets constituting 0.19% of total assets, indicating solid credit quality. SmartFinancial also reported a quarter-over-quarter tangible book value per share growth of 13.7%. Additionally, SmartFinancial was recertified as a Great Place to Work by over 92% of its associates, and three new business production team members were added to the Commercial and Private Banking teams. The company emphasized the effectiveness of its organic growth strategy and talent recruitment in strengthening its position as a leading Southeast banking franchise.