SmartFinancial(SMBK) - 2023 Q1 - Earnings Call Presentation

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 ...