---
title: "SmartFinancial Q2 FY26 net income rises 39.44% to $16.32 million; net interest income climbs 19.14% to $48.06 million"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/295452012.md"
description: "SmartFinancial reported a 39.44% increase in Q2 FY26 net income to $16.32 million, with diluted EPS of $0.96. Net interest income rose 19.14% to $48.06 million, driven by a widened tax-equivalent net interest margin. Conversely, noninterest income fell 11.37% to $7.89 million due to lower insurance commissions following the SBKI sale. Noninterest expenses increased 4.26% to $33.96 million. The company's loan portfolio reached $4.64 billion, while deposits grew to $5.39 billion."
datetime: "2026-08-10T21:09:08.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/295452012.md)
  - [en](https://longbridge.com/en/news/295452012.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/295452012.md)
generator: "portal-rs"
---

# SmartFinancial Q2 FY26 net income rises 39.44% to $16.32 million; net interest income climbs 19.14% to $48.06 million

-   SmartFinancial posted Q2 net income of $16.32 million, up 39.44%, with diluted EPS of $0.96. \* Net interest income climbed to $48.06 million, rising 19.14%, as the tax-equivalent net interest margin widened 0.23 percentage points to 3.52%. \* Noninterest income fell to $7.89 million, down 11.37%, driven by a drop in insurance commissions after the SBKI sale. \* Noninterest expense increased to $33.96 million, up 4.26%, mainly on higher salaries and employee benefits tied to franchise growth. \* Loans and leases, net, rose to $4.64 billion, while deposits grew to $5.39 billion, up $232.76 million from Dec. 31, 2025. Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. SmartFinancial Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001104659-26-093447), on August 10, 2026, and is solely responsible for the information contained therein. © Copyright 2026 - Public Technologies (PUBT) Original Document: here

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**