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 ...

| --- | --- | --- | --- | --- | |--------------------------------------------------------------------------------------------------------------|-------|-------|-------|-------| | | | | | | | | | | | | | INVESTOR CALL | | | | | | 2Q 2022 July 26, 2022, 10:00am ET Webcast: www.smartbank.com (Investor Relations) Audio Only: 1-844-200-6205 | | | | | | Access Code: 357084 Miller Welborn Chairman of the Board Billy Carroll President & CEO Ron Gorczynski CFO | | | | | | | | | | | | | | | | | 1 DISCLOSURES Forward- ...

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, 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 o ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K Securities registered pursuant to Section 12(b) of the Act: ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 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 ...