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 ...

Financial Highlights - Total loans reached $34 billion as of 6/30/23[1] - Total deposits amounted to $42 billion as of 6/30/23[1] - The company has 42 total branches[1] - Loan to Deposits Ratio of 80%[27] - Securities Detail: $709 Million Book Value[26] Market and Growth - Legacy Markets have $207 billion in total deposits[4] - Expanding Markets have $70 billion in total deposits[4] - Legacy Markets total population is 60 million[4] - Expanding Markets total population is 28 million[4] - Legacy Markets median income is $64 thousand[4] - The company's loan portfolio has shown strong organic growth[12] - Total assets reached $48 Billion[99] Loan Portfolio - Fixed Rate Loans repricing schedule for 4Q23 is $30 million with a weighted average yield of 539%[36] - Adjustable Rate Loans repricing schedule for 4Q23 is $18 million with a weighted average yield of 593%[36]

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 ...

SmartFinancial, Inc. (NYSE:SMBK) Q1 2023 Earnings Conference Call April 25, 2023 10:00 AM ET Company Participants Nate Strall - Director, Corporate Strategy Miller Welborn - Chairman Billy Carroll - President and CEO Ron Gorczynski - Chief Financial Officer Rhett Jordan - Chief Credit Officer Conference Call Participants Will Jones - KBW Graham Dick - Piper Sander Thomas Wendler - Stephens Kevin Fitzsimmons - D.A. Davidson Steve Moss - Raymond James Brett Rabatin - Hovde Group Feddie Strickland - Janney Mon ...

Construction &Development Exposure By Type1 Closely Monitored with No Concentration Concerns 1-4 Family (NOO) 28% Resi/Comm Land Dev. 12% Resi/Comm Land 16% Multifamily 8% CRE (OO) 12% CRE (NOO) 16% $883 Million - 27% of Total Loans $389 Million - 12% of Total Loans 1) 1-4 Family (OO) includes owner-occupied primary and secondary residence construction loans; 1-4 Family (NOO) includes speculative and investment property residential construction loans; Resi/Comm Land Dev. includes primary, secondary, investm ...

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, 2022 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 ...