SmartFinancial(SMBK) - 2025 Q4 - Earnings Call Presentation

INVESTOR CALL 4Q 2025 January 21, 2026, 10:00am ET 1 DISCLOSURES Forward-Looking Statements 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 ca ...