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 ...

SmartFinancial, Inc. (NYSE:SMBK) Q4 2022 Earnings Conference Call January 24, 2023 10:00 AM ET Company Participants Miller Welborn - Chairman William Carroll Jr. - President and Chief Executive Officer Ronald Gorczynski - Vice President and Chief Financial Officer Rhett Jordan - Chief Credit Officer Nate Strall - Director of Corporate Strategy Conference Call Participants Brett Rabatin - Hovde Group Thomas Wendler - Stephens Inc. Graham Dick - Piper Sandler Feddie Strickland - Janney Montgomery Scott LLC Ca ...

1) Non-GAAP financial measure - for a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measures, see the Appendix 2) AOCI: Accumulated Other Comprehensive Income 3) CAGR: Compound Annualized Growth Rate 3 QUARTERLY HIGHLIGHTS: 1) Non-GAAP financial measure - for a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measures, see the Appendix 2) QoQ: Quarter-over-Quarter 3) "Loans" for purposes of this presentation includes all SmartFinanci ...

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, 2022 ☐ 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 2022 Earnings Conference Call October 25, 2022 10:00 AM ET Company Participants Miller Welborn - Chairman Billy Carroll - President & Chief Executive Officer Rhett Jordan - Chief Credit Officer Ron Gorczynski - Chief Financial Officer Conference Call Participants Feddie Strickland - Janney Kevin Fitzsimmons - D.A. Davidson Catherine Mealor - KBW Stephen Scouten - Piper Sandler Operator [Abrupt start] We acquired this Chattanooga based insurance agency during the quarter a ...

| --- | --- | --- | --- | --- | |---------------------------------------------------------------------------------------|-------|-------|-------|-------| | | | | | | | | | | | | | INVESTOR CALL | | | | | | 3Q 2022 October 25, 2022, 10:00am ET Webcast: www.smartbank.com (Investor Relations) | | | | | | Audio Only: 1-833-927-1758 Access Code: 380946 | | | | | | Miller Welborn Chairman of the Board Billy Carroll President & CEO Ron Gorczynski CFO | | | | | | | | | | | 1 DISCLOSURES Forward-Looking Statements T ...

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 June 30, 2022 ☐ 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 or ...

SmartFinancial, Inc. (NYSE:SMBK) Q2 2022 Earnings Conference Call July 26, 2022 10:00 AM ET Company Participants Miller Welborn - Chairman Billy Carroll - President & Chief Executive Officer Rhett Jordan - Chief Credit Officer Ron Gorczynski - Chief Financial Officer Nate Strall - Director of Corporate Strategy Conference Call Participants Stephen Scouten - Piper Sandler Catherine Mealor - KBW Matt Olney - Stephens Feddie Strickland – Janney Kevin Fitzsimmons - D.A. Davidson Taylor Brodarick - Hovde Group O ...