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SMBK on NYSE

SMARTFINANCIAL INC.

SMARTFINANCIAL INC. is an American national commercial bank that raised $100 million in 2025 (SEC Form D).1 It is headquartered in Knoxville, Tennessee.1 Its shares trade on NYSE under the symbol SMBK.1

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Last updated Oct 21, 2026.

Overview

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  • TickerSMBK on NYSE1
  • IndustryNational Commercial Banks1
  • HeadquartersKnoxville, Tennessee1
  • Incorporated inTN2
  • Business address5401 Kingston Pike, Suite 600, Knoxville, Tn 379192
  • Filer categoryAccelerated filer2
  • Legal formCorporation

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SmartFinancial, Inc. (“SmartFinancial” or the “Company”) was incorporated on September 19, 1983, under the laws of the State of Tennessee. SmartFinancial is a bank holding company registered under the Bank Holding Company Act of 1956, as amended. In this Report on Form 10-K, the words “SmartFinancial,” “the Company,” “we,” “us,” and “our” refer to SmartFinancial, Inc. together with SmartBank and SmartBank’s wholly-owned subsidiaries, except where the context requires otherwise.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income56789$50.3M in 2025+90% since 2019
0$20.0M$40.0M$60.0M2019: $26.5M$26.5M20192020: $24.3M$24.3M2020−8%2021: $34.8M$34.8M2021+43%2022: $43.0M$43.0M2022+24%2023: $28.6M$28.6M2023−34%2024: $36.1M$36.1M2024+26%2025: $50.3M$50.3M2025+39%

Every line of the income statement as filed: the last 3 fiscal years, latest first.9

Period ending2025-12-312024-12-312023-12-31
Loans and leases, including fees$248.7M$213.6M$186.5M
Taxable$20.2M$20.2M$16.7M
Tax-exempt$1.7M$1.4M$1.4M
Federal funds sold and other earning assets$15.4M$16.0M$13.5M
Total interest income$286.0M$251.1M$218.0M
Deposits$114.7M$109.3M$84.3M
Borrowings$155.0K$1.1M$936.0K
Subordinated debt$5.0M$3.4M$2.8M
Total interest expense$119.9M$113.8M$88.0M
Net interest income$166.1M$137.3M$130.1M
Provision for credit losses$7.8M$5.2M$3.0M
Net interest income after provision for credit losses$158.4M$132.2M$127.1M
Service charges on deposit accounts$7.2M$6.9M$6.5M
Gain (loss) on sale of securities, net$3.7M-$64.0K$6.8M
Mortgage banking$2.7M$1.6M$1.0M
Investment services$6.6M$5.9M$5.1M
Insurance commissions$4.0M$5.7M$4.7M
Interchange and debit card transaction fees, net$5.3M$5.3M$5.5M
"Gain on sale of SBK Insurance (""SBKI"")"$4.0M
Other$8.4M$8.7M$6.3M
Total noninterest income$34.4M$34.2M$22.3M
Salaries and employee benefits$78.3M$72.1M$65.7M
Occupancy and equipment$13.7M$13.6M$13.5M
FDIC insurance$4.0M$3.4M$3.2M
Other real estate and loan related expense$3.2M$2.8M$2.4M
Advertising and marketing$1.6M$1.3M$1.3M
Data processing and technology$10.3M$9.9M$9.2M
Professional services$4.8M$4.2M$3.4M
Amortization of intangibles$2.1M$2.4M$2.6M
Merger related and restructuring expenses$1.3M$110.0K
Other$11.8M$11.1M$11.6M
Total noninterest expense$131.2M$120.9M$113.2M
Income before income tax expense$61.5M$45.5M$36.2M
Income tax expense$11.2M$9.3M$7.6M
Net income$50.3M$36.1M$28.6M
Basic (in dollars per share)$3.00$2.16$1.70
Diluted (in dollars per share)$2.98$2.14$1.69
Basic (in shares)16.8M shares16.8M shares16.8M shares
Diluted (in shares)16.9M shares16.9M shares16.9M shares

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Corporate structure

SMARTFINANCIAL INC. sits at the top of its group. 7 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of SMARTFINANCIAL INC.

  • BlackRock Filed SCHEDULE 13G/A on SMARTFINANCIAL INC., latest Apr 27, 2026 (5 filings since Feb 1, 2022)
  • LEHMAN KENNETH R Filed SCHEDULE 13G/A on SMARTFINANCIAL INC., latest Jan 14, 2026 (4 filings since Feb 8, 2022)
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on SMARTFINANCIAL INC., latest Jan 31, 2025 (3 filings since Nov 4, 2024)
  • SMARTFINANCIAL INC. Knoxville, Tennessee
    • Fountain Equipment Finance, LLC Subsidiary · Tennessee, United States
    • Smart Investments Management, Inc. Subsidiary · Tennessee, United States
    • SmartBank Subsidiary · Tennessee, United States
    • Smartholdings I, LLC Subsidiary · Tennessee, United States
    • SMBK Holding, Inc. Subsidiary · Nevada, United States
    • SMBK Properties, Inc. Subsidiary · Tennessee, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What SMARTFINANCIAL INC. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$123.9M9 Dec 31, 2025$122.0M9 Dec 31, 2024+1.6%
Accumulated depreciation$35.5M9 Dec 31, 2025$30.9M9 Dec 31, 2024+14.9%
Property and equipment, net$88.4M9 Dec 31, 2025$91.1M9 Dec 31, 2024−3.0%
Operating-lease assets (leased space)$11.2M9 Dec 31, 2025$12.0M9 Dec 31, 2024−6.7%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$464.4M9 Dec 31, 2025$387.6M9 Dec 31, 2024+19.8%
Loans, net of allowance$4.3B9 Dec 31, 2025$3.9B9 Dec 31, 2024+11.7%
Deposits held (banks)$5.2B9 Dec 31, 2025$4.7B9 Dec 31, 2024+10.0%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$90.4M9 Dec 31, 2025$96.1M9 Dec 31, 2024−6.0%
Accumulated amortization$16.7M9 Dec 31, 2025$14.6M9 Dec 31, 2024+14.3%
Finite-lived intangibles, net$5.0M9 Dec 31, 2025$8.6M9 Dec 31, 2024−42.2%

Properties, in its own words

The Company’s executive offices are located at 5401 Kingston Pike, #600, Knoxville, Tennessee 37919. This property is owned by SmartBank and also serves as a branch location for the Bank’s customers. At December 31, 2025, we conducted full service banking operations in 42 branch offices in 3 states and one loan production office in Tennessee for a total 43 locations. These offices include both owned and leased facilities as follows:

State · Owned · Leased · Total

The rest of Item 2

Tennessee

Branch operations · 18 · 6 · 24

Loan production office · - · 1 · 1

Alabama

Branch operations · 9 · 5 · 14

Florida

Branch operations · 2 · 2 · 4

29 · 14 · 43

Item 2 of the 10-K filed Mar 16, 2026.4

Leadership

Who has led SMARTFINANCIAL INC., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Gregory B. Jones2006–2009
  2. Nathaniel F. Hughes2010–2015
  3. William Young Carroll Jr.2015–now

Chair

  1. Gregory B. Jones2006–2009
  2. Wesley Miller Welborn2015–now

President

  1. Nathaniel F. Hughes2006–2015
  2. William Young Carroll Jr.2015–2017
  3. Robert Wade Kuhn Jr.2017–2018

Chief financial officer

  1. Gary Wayne Petty Jr.2011–2013
  2. Felicia F. Barbee2015
  3. Ronald J. Gorczynski2020–now

Chief operating officer

  1. Nathaniel F. Hughes2006–2009
  2. John H. Coxwell Sr.2015–2016
2010201520202025
Board members and other officers (44)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • Fountain Equipment Finance, LLC Tennessee3
  • SMBK Holding, Inc. Nevada3
  • SMBK Properties, Inc. Tennessee3
  • Smart Investments Management, Inc. Tennessee3
  • SmartBank Tennessee3
  • Smartholdings I, LLC Tennessee3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Former names

  • CORNERSTONE BANCSHARES INCApr 16, 1998 to Aug 24, 20152
  • EAST RIDGE BANCSHARES INCMay 8, 1997 to Jun 24, 19972

Timeline

  1. Jul 20, 20268-K Results of operations; Regulation FD disclosure65
  2. May 22, 20268-K Shareholder vote66
  3. Apr 30, 20268-K Regulation FD disclosure67
  4. Apr 20, 20268-K Results of operations; Regulation FD disclosure68
  5. Mar 31, 20268-K Executive or director change; Regulation FD disclosure69
  6. Jan 30, 20268-K Regulation FD disclosure70
  7. Jan 20, 20268-K Results of operations; Regulation FD disclosure71
  8. Jan 5, 20268-K Other events72
  9. Nov 3, 20258-K Regulation FD disclosure73
  10. Oct 21, 20258-K Results of operations; Regulation FD disclosure74
  11. Sep 8, 20258-K Other events75
  12. Aug 20, 20258-K Entered a material agreement; New debt or obligation; Regulation FD disclosure76
  13. Sep 9, 2015New chief executive William Young Carroll Jr. becomes CEO13
  14. Oct 29, 2010New chief executive Nathaniel F. Hughes becomes CEO14
  15. Feb 16, 2006New chief executive Gregory B. Jones becomes CEO15

Calendar

When it reported results

  1. Jul 20, 2026Reported quarterly or annual results65
  2. Apr 20, 2026Reported quarterly or annual results68
  3. Jan 20, 2026Reported quarterly or annual results71
  4. Oct 21, 2025Reported quarterly or annual results74
  5. Jul 21, 2025Reported quarterly or annual results77
  6. Apr 21, 2025Reported quarterly or annual results78
  7. Jan 21, 2025Reported quarterly or annual results79
  8. Oct 21, 2024Reported quarterly or annual results80

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

300 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 57 major events, 172 insider forms, 12 large holders, 1 private raises, 38 other. The latest 20:

  1. Sep 14, 20264 EDGAR
  2. Aug 10, 202610-Q EDGAR
  3. Aug 4, 20264 EDGAR
  4. Jul 20, 20268-K EDGAR
  5. Jun 12, 20264 EDGAR
  6. Jun 10, 20264 EDGAR
  7. Jun 4, 20264 EDGAR
  8. May 22, 20268-K EDGAR
  9. May 20, 20264 EDGAR
  10. May 20, 20264 EDGAR
  11. May 20, 20264 EDGAR
  12. May 13, 2026EFFECT EDGAR
  13. May 11, 202610-Q EDGAR
  14. May 11, 2026CORRESP EDGAR
  15. May 5, 2026UPLOAD EDGAR
  16. May 4, 20264 EDGAR
  17. May 1, 2026S-3 EDGAR
  18. Apr 30, 20268-K EDGAR
  19. Apr 27, 2026SCHEDULE 13G/A EDGAR
  20. Apr 24, 20264 EDGAR

The 300 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

56 open-market trades by officers, directors and large owners since October 2021: 21 buys and 35 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 14, 2026Jordan Rhett D.EVP & CHIEF CREDIT OFFICERSale230$52.05$12.0KForm 4
Aug 4, 2026Jordan Rhett D.EVP & CHIEF CREDIT OFFICERSale430$52.75$22.7KForm 4
Jun 12, 2026Jordan Rhett D.EVP & CHIEF CREDIT OFFICERSale400$45.00$18.0KForm 4
Jun 10, 2026Barrett Victor LynnDirectorBuy3,000$43.78$131.3KForm 4
Jun 4, 2026Ackermann Cathy GDirectorBuy3,000$42.12$126.4KForm 4
May 4, 2026Shomaker Kelli DDirectorBuy290$41.30$12.0KForm 4
Apr 24, 2026Jordan Rhett D.EVP & CHIEF CREDIT OFFICERSale500$41.85$20.9KForm 4
Feb 9, 2026Welborn Wesley MillerCHAIRMAN OF THE BOARDBuy835$43.13$36.0KForm 4
Jan 27, 2026Shomaker Kelli DDirectorBuy255$39.38$10.0KForm 4
Dec 10, 2025Tucker Steven B.DirectorSale10,625$38.01$403.9KForm 4
Nov 18, 2025Jordan Rhett D.EVP & CHIEF CREDIT OFFICERSale250$35.00$8.8KForm 4
Feb 3, 2025Welborn Wesley MillerCHAIRMAN OF THE BOARDBuy1,162$34.75$40.4KForm 4
Jan 27, 2025Jordan Rhett D.EVP & CHIEF CREDIT OFFICERSale350$35.76$12.5KForm 4
Dec 9, 2024PRESLEY JOHN MDirectorSale6,916$35.05$242.4KForm 4
Dec 6, 2024PRESLEY JOHN MDirectorSale10,140$35.54$360.4KForm 4
Dec 5, 2024PRESLEY JOHN MDirectorSale10,517$36.05$379.1KForm 4
Dec 4, 2024Jordan Rhett D.EVP & CHIEF CREDIT OFFICERSale200$35.61$7.1KForm 4
Nov 7, 2024PRESLEY JOHN MDirectorSale7,500$35.79$268.4KForm 4
Nov 5, 2024Tucker Steven B.DirectorSale6,730$33.14$223.0KForm 4
Nov 5, 2024Jordan Rhett D.EVP & CHIEF CREDIT OFFICERSale300$32.52$9.8KForm 4

All 56 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025William (“Billy”) Y. CarrollJr.$657.3K$1.7M84
2025Wesley M. ("Miller") Welborn$345.7K$846.4K84
2025Ronald J. Gorczynski$360.5K$831.8K84
2025Rhett D. Jordan$330.9K$610.6K84
2025Cynthia A. Cain$265.0K$606.2K84
2024President and Chief Executive Officer$602.1K$1.0M84
2024Chairman$343.6K$577.9K84
2024Chief Financial Officer$330.1K$517.8K84
2024Chief Credit Officer$319.7K$474.9K84
2024Chief Accounting Officer$252.1K$413.4K84
2023President and Chief Executive Officer$568.7K$1.1M84
2023Chairman$330.8K$584.5K84
2023Chief Financial Officer$311.9K$525.9K84
2023Chief Credit Officer$303.0K$504.8K84
2023Chief Accounting Officer$254.4K$369.4K84

Funding

Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.

Money received by year$100.0M 2025–2025
Money received by yearMoney received by year, 2025–2025: $100.0M in all. Private raises (Form D) $100.0M.$0$25M$50M$75M$100M2025 · Private raises (Form D): $100.0M2025
Figures by year
YearPrivate raises (Form D)Total
2025$100.0M$100.0M

Private raises

Private offerings the company reported to the SEC on Form D. The amount is what the latest filing says was sold so far, charted in the year of the first sale. Covers filings since Oct 1, 2021.

  1. Aug 20, 2025Raised $100 million in a private offering of debt85 Form D: 44 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.1,468,195$68.9M0.0%+183,638
Dimensional Fund Advisors LP836,086$39.2M0.0%−302
Vanguard Capital Management LLC679,819$31.9M0.0%−598
First Eagle Investment Management, LLC638,678$30.0M0.0%+414,639
Wellington Management Group Llp594,386$27.9M0.0%−80,961
State Street Corp457,060$21.4M0.0%+16,528
American Century Companies Inc448,667$21.1M0.0%+76,854
Private Capital Management, LLC432,512$20.3M1.8%+4,365
Geode Capital Management, LLC381,419$17.9M0.0%+26,058
Cravens & Co Advisors, LLC220,400$10.3M6.9%−30
Salzhauer Michael211,013$9.9M3.6%−1,657
Two Sigma Investments, LP188,433$8.8M0.0%+18,549
Morgan Stanley182,854$8.6M0.0%+11,899
Basswood Capital Management, L.l.c.180,329$8.5M0.4%+10,589
Northern Trust Corp152,895$7.2M0.0%+8,349
Stieven Capital Advisors, L.P.147,534$6.9M1.3%+300
Renaissance Technologies LLC147,181$6.9M0.0%−5,093
Bridgeway Capital Management, LLC143,495$6.7M0.1%+6,253
North Reef Capital Management LP137,089$6.4M0.2%+1
Vanguard Portfolio Management LLC130,914$6.1M0.0%+18,740
Alliancebernstein L.P.151,894$5.9M0.0%+1,040
Charles Schwab Investment Management Inc123,934$5.8M0.0%+2,279
Nuveen, LLC112,734$5.3M0.0%+15,800
Vanguard Fiduciary Trust Co99,332$4.7M0.0%+4,798
Banc Funds Co LLC97,626$4.6M0.8%−52,461

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How SMARTFINANCIAL INC. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARSMARTFINANCIAL INC.1
  • CIK0001038773
  • Employer ID (EIN)62-11739444
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inTennessee4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6021 National Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address5401 Kingston Pike, Suite 600, Knoxville, TN 379191
  • Phone865-437-57001
  • Shares outstanding17,098,473 as of Aug 3, 202611
  • Public float$535.9M as of Jun 30, 20254
  • AuditorElliott Davis, PLLC, Raleigh, North Carolina PCAOB ID 149; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceMay 8, 19971
  • Filings1,247 in all: 4 (549), 8-K (256), 10-Q (69), 3 (36), 425 (33), 4/A (29), 10-K (23), DEF 14A (23)1
    All 50 form types

    424B3 (20), 10QSB (17), CORRESP (17), SC 13G/A (17), EFFECT (15), UPLOAD (13), DEFA14A (12), S-4/A (12), 8-K/A (9), S-4 (8), SC 13G (7), 144 (6), 3/A (5), 5 (5), S-3 (5), 10-K/A (4), 10KSB (4), ARS (4), PRE 14A (4), REGDEX (4), S-8 (4), SCHEDULE 13G/A (4), 10-Q/A (3), D (3), SC 13D (3), 10KSB40 (2), 424B5 (2), 8-A12B (2), 8-A12G (2), POS AM (2), S-1 (2), S-8 POS (2), 10QSB/A (1), 25 (1), CERT (1), CERTNAS (1), FWP (1), NT 10-K (1), NT 10-Q (1), S-1/A (1), S-3/A (1), SB-2 (1)

  • Latest filingsAnnual report (10-K) Mar 16, 2026
    Quarterly report (10-Q) Aug 10, 2026
    Proxy statement (DEF 14A) Apr 7, 2026
    Latest 8-K (8-K) Jul 20, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $1.00 per shareSMBKNew York Stock Exchange

From the cover page of the 10-K filed Mar 16, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks SMARTFINANCIAL INC. names in Item 1A of its 10-K filed Mar 16, 2026: 32 risks under these headings, as written.4

  • Risks Related to Our Industry
  • Our net interest income could be negatively affected by interest rate adjustments by the Federal Reserve Board.
  • We are dependent on our information technology and telecommunications systems and third-party servicers, and systems failures, interruptions or compromises of security in the Company’s information technology and telecommunications systems could have an adverse effect on our financial condition and results of operations.
  • We are subject to extensive government regulation that could limit or restrict our activities, which in turn may adversely impact our ability to increase our assets and earnings.
  • The Federal Reserve may require us to commit capital resources to support the Bank.
  • Federal and state regulators periodically examine our business, and we may be required to remediate adverse examination findings.
  • Risks Related to Our Company
  • If our allowance for credit losses is not sufficient to cover actual losses, our earnings will be adversely affected.
  • Negative developments in the banking industry could adversely affect our current and projected business operations and our financial condition and results of operations.
  • Our success depends significantly on economic conditions in our market areas.
  • Competition from financial institutions and other financial service providers may adversely affect our profitability.
  • The development and use of artificial intelligence (“AI”) presents risks and challenges that may adversely impact our business.
The other 22 risks
  • Our organic loan and lease growth may be limited by regulatory constraints.
  • To the extent that we are unable to identify and consummate attractive acquisitions, or increase loans and leases through organic loan and lease growth, we may be unable to successfully implement our growth strategy, which could materially and adversely affect us.
  • Our acquisition activity and future expansion may result in additional risks.
  • We may face risks with respect to future acquisitions.
  • Our concentration in loans secured by real estate, particularly commercial real estate and construction and development, is subject to risks that could adversely affect our results of operations and financial condition.
  • Our largest loan relationships currently make up a significant percentage of our total loan portfolio.
  • Declines in the businesses or industries of our customers could cause increased credit losses and decreased loan balances, which could adversely affect our financial results.
  • Our use of appraisals in deciding whether to make a loan secured by real property does not ensure the value of the real property collateral.
  • Liquidity risk could impair our ability to fund our operations and jeopardize our financial condition.
  • We could recognize losses on securities held in our securities portfolio, particularly if interest rates increase or economic and market conditions deteriorate.
  • We face additional risks due to our increase in mortgage banking activities that have and could negatively impact our net income and profitability.
  • Any expansion into new lines of business might not be successful.
  • Any deficiencies in our financial reporting or internal controls could materially and adversely affect us, including resulting in material misstatements in our financial statements, and could materially and adversely affect the market price of our common stock.
  • Inability to retain senior management and key employees or to attract new experienced financial services professionals could impair our relationship with our customers, reduce growth and adversely affect our business.
  • Employee misconduct could expose us to significant legal liability and reputational harm.
  • We may be adversely affected by the soundness of other financial institutions.
  • Risks Related to Our Stock
  • Our ability to declare and pay dividends is limited.
  • Even though our common stock is currently traded on the New York Stock Exchange (“NYSE”), it has less liquidity than many other stocks quoted on a national securities exchange.
  • We may issue additional shares of stock or equity derivative securities, including awards to current and future executive officers, directors and employees, which could result in the dilution of shareholders’ investment.
  • Corporate responsibility risks could adversely affect our reputation and shareholder, employee, client and third party relationships and may negatively affect our stock price.
  • Our securities are not FDIC insured.
  • Anti-takeover laws and certain agreements and charter provisions may adversely affect the price of our common stock.

Legal proceedings

At December 31, 2025, neither SmartFinancial, nor SmartBank, was involved in any material litigation. SmartBank is periodically involved as a plaintiff or defendant in various legal actions in the ordinary course of its business. Management believes that any claims pending against SmartFinancial, or its subsidiary, are without merit or that the ultimate liability, if any, resulting from them will not materially affect SmartBank’s financial condition or SmartFinancial’s consolidated financial position.

The opening of Item 3, Legal Proceedings.4

Sources

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