Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from __________ to __________ Commission File Number: 001-37661 (Exact name of registrant as specified in its charter) Tennessee 62-1173944 (State or other jurisdict ...

SmartFinancial, Inc. (NYSE:SMBK) Q4 2023 Earnings Conference Call January 23, 2024 10:00 AM ET Company Participants Nate Strall - Vice President, Director of Strategy and Corporate Development Miller Welborn - Chairman Billy Carroll - President and Chief Executive Officer Rhett Jordan - Chief Credit Officer Ron Gorczynski - Executive Vice President, Chief Financial Officer Conference Call Participants Stephen Scouten - Piper Sandler Matt Olney - Stephens Feddie Strickland - Janney Montgomery Brett Rabatin - ...

| --- | --- | --- | --- | --- | |-----------------------------------------------------------------------------------------------------------------|-------|-------|-------|-------| | | | | | | | | | | | | | INVESTOR CALL | | | | | | 4Q 2023 January 23, 2024, 10:00am ET Webcast: www.smartbank.com (Investor Relations) Audio Only: 1-833-470-1428 | | | | | | Access Code: 197280 Miller Welborn Chairman of the Board Billy Carroll President & CEO Ron Gorczynski CFO | | | | | | | | | | | | | | | | | DISCLOSURES Forw ...

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 001-37661 (Exact name of registrant as specified in its charter) Tennessee 62-1173944 (Sta ...

SmartFinancial, Inc. (NYSE:SMBK) Q3 2023 Earnings Call Transcript October 24, 2023 10:00 AM ET Company Participants Nate Strall - Director, Corporate Strategy Miller Welborn - Chairman Billy Carroll - President & Chief Executive Officer Rhett Jordan - Chief Credit Officer Ron Gorczynski - Chief Financial Officer Conference Call Participants Thomas Wendler - Stephens Stephen Scouten - Piper Sander Will Jones - KBW Kevin Fitzsimmons - D.A. Davidson Steve Moss - Raymond James Feddie Strickland - Janney Montgom ...

$3.4 Billion in Total Loans $4.2 Billion in Total Deposits 42 Total Branches We are building a culture where Associates thrive and are empowered to be leaders. The core values that we have established as a company help us operate in unison and have become a critical part of our culture. Our Associates are key to SmartBank's success. Balance sheet and branch count represent 6/30/23 balances 1) Knox News Sentinel Top Workplaces survey Nashville Knoxville Huntsville Tuscaloosa Mobile Pensacola Birmingham Aubur ...

Table of Contents Securities registered pursuant to Section 12(b) of the Act: ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 001-37661 United States Securities and Exchange Commission Washington, D.C. 20549 (Exact name of registrant as specified in its ...

SmartFinancial, Inc. (NYSE:SMBK) Q2 2023 Earnings Conference Call July 25, 2023 10:00 AM ET Company Participants Nate Strall - Director, Corporate Strategy Miller Welborn - Chairman Billy Carroll - President & Chief Executive Officer Rhett Jordan - Chief Credit Officer Ron Gorczynski - Chief Financial Officer Conference Call Participants Brett Rabatin - Hovde Group Catherine Mealor - KBW Kevin Fitzsimmons - D.A. Davidson Graham Dick - Piper Sander Feddie Strickland - Janney Montgomery Scott Steve Moss - Ray ...

This presentation may contain statements that are based on management's current estimates or expectations of future events or future results, and that may be deemed to constitute forward-looking statements as defined under the Private Securities Litigation Reform Act of 1995. These statements on SmartFinancial Inc.'s ("SmartFinancial") business and financial results and conditions, are not historical in nature and can generally be identified by such words as "expect," "anticipate," "intend," "plan," "believ ...

Table of Contents United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number: 001-37661 (Exact name of registrant as specified in its charter) Tennessee 62-1173944 (State o ...