of this report (including Exhibit 99.2) shall not be deemed to be “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. ​ Item 9.01 ​ Financial Statements and Exhibits ​ ​ ​ Exhibit No. ​ ​ ​ Des…

of this report (including Exhibit 99.1) shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. Item 7.01 ​ ​ ​ Regulat…

Regulation FD Disclosure. On April 30, 2026, SmartFinancial, Inc. (“ SmartFinancial ”) issued a press release announcing that, on April 30, 2026, the board of directors of SmartFinancial (the “ Board ”) declared a quarterly cash dividend of $0.09 per share of SmartFinancial common stock (the “ Dividend ”) payable on June 1, 2026, to shareholders of record as of the close of business on May 15, 2026. A copy of the press release announcing the dividend is attached as Exhibit 99.1 hereto and inc…

of this report (including Exhibit 99.1) shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. Item 7.01 ​ ​ ​ Regulat…

Chief Operating Officer — Cynthia A. Cain: Cynthia A. Cain was promoted to Chief Operating Officer.

Regulation FD Disclosure. On January 30, 2026, SmartFinancial, Inc. (“ SmartFinancial ”) issued a press release announcing that, on January 29, 2026, the board of directors of SmartFinancial (the “ Board ”) declared a quarterly cash dividend of $0.08 per share of SmartFinancial common stock (the “ Dividend ”) payable on March 2, 2026, to shareholders of record as of the close of business on February 13, 2026. In addition, SmartFinancial announced that the Board authorized a new share repurcha…

of this report (including Exhibit 99.1) shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. Item 7.01 ​ ​ ​ Regulat…

and Exhibit 99.1 shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “ Exchange Act ”), or otherwise subject to the liabilities of such section, nor will such information be deemed incorporated by reference in any filing under the Securities Act or the Exchange Act, except as may be expressly set forth by specific reference in such filing. ​ Cautionary Note Regarding Forward-Looking Statements This Report includes “forward-l…

Regulation FD Disclosure. On October 31, 2025, the board of directors of SmartFinancial, Inc. (“ SmartFinancial ”) declared a quarterly cash dividend of $0.08 per share of SmartFinancial common stock (the “ Dividend ”) payable on December 2, 2025, to shareholders of record as of the close of business on November 17, 2025. On November 3, 2025, SmartFinancial issued a press release announcing the Dividend. A copy of the press release is attached as Exhibit 99.1 hereto and incorporated herein by…

of this report (including Exhibit 99.1) shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Other Events ​ On September 5, 2025, SmartBank, a wholly-owned subsidiary of SmartFinancial, Inc. (“SMBK”), sold 100% of the equity interests of SBK Insurance Inc. (“SBK Insurance”) to Insuragent Purchaser, LLC, a portfolio company of Greater Sum Ventures. ​ All current SBK Insurance leadership and employees will remain employees of SBK Insurance, and all SBK Insurance locations will remain open following this transaction. ​ As part of the transaction, SmartBank is expected to maintain a stra…

Entry into a Material Definitive Agreement ​ On August 20, 2025, SmartFinancial, Inc. (the “Company”) entered into a Subordinated Note Purchase Agreement (the “Purchase Agreement”) with certain institutional accredited investors and qualified institutional buyers (the “Purchasers”), pursuant to which the Company sold and issued $100.0 million in aggregate principal amount of its 7.25% Fixed-to-Floating Rate Subordinated Notes due 2035 (the “Notes”). The Notes were issued by the Company to the…

​ ​ ​ ​ ​ ​ ​ ​ ​ Item 7.01 ​ Regulation FD Disclosure. ​ In connection with the offering of the Notes, the Company delivered an investor presentation to potential investors on a confidential basis, a copy of which is furnished as Exhibit 99.1 to this Report. ​ The information contained in this

and Exhibit 99.1 shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of such section, nor will such information be deemed incorporated by reference in any filing under the Securities Act or the Exchange Act, except as may be expressly set forth by specific reference in such filing. ​ Cautionary Note Regarding Forward-Looking Statements This Report includes “forward-loo…

Regulation FD Disclosure. On July 24, 2025, the board of directors of SmartFinancial, Inc. (“ SmartFinancial ”) declared a quarterly cash dividend of $0.08 per share of SmartFinancial common stock (the “ Dividend ”) payable on August 25, 2025, to shareholders of record as of the close of business on August 8, 2025. On July 24, 2025, SmartFinancial issued a press release announcing the Dividend. A copy of the press release is attached as Exhibit 99.1 hereto and incorporated herein by reference…

of this report (including Exhibit 99.1) shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Changes in Registrant’s Certifying Accountant. ​ (a) Dismissal of Independent Registered Public Accounting Firm ​ On May 29, 2025 (the “Notice Date”), SmartFinancial, Inc. (the “Company”) notified Forvis Mazars, LLP (“Forvis”) that it was being dismissed as the Company's independent registered public accounting firm as of the Notice Date. The dismissal of Forvis was made at the direction of the Audit Committee of the Company’s Board of Directors. ​ The audit reports of Forvis on the Company’s…

The filing is about the approval of a compensatory plan and not related to any management change.

Entry into a Material Definitive Agreement ​ On May 1, 2025, SmartFinancial, Inc. (the “ Company ”), a Tennessee corporation and the parent of SmartBank (the “ Bank ”), entered into a Third Amendment to Loan and Security Agreement (the “ Amendment ”) and related Amended and Restated Revolving Note (the “ Amended Revolving Note ”) which are in reference to the Company’s Loan and Security Agreement dated March 31, 2020, (the “ Agreement ”) and related revolving note with ServisFirst Bank (the “…

of this report (including Exhibit 99.2) shall not be deemed to be “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. ​ Item 9.01 ​ Financial Statements and Exhibits ​ ​ ​ Exhibit No. Descripti…

of this report (including Exhibit 99.1) shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Entry into a Material Definitive Agreement ​ On January 21, 2025, SmartFinancial, Inc. (the “ Company ”), a Tennessee corporation and the parent of SmartBank, a Tennessee state-chartered bank (the “ Bank ”), received confirmation from ServisFirst Bank (the “ Lender ”) that the maturity date in respect of that certain Amended and Restated Revolving Note dated February 1, 2023 (the “ Revolving Note ”) has been extended to May 1, 2025 (the “ Extension Letter ”). A copy of the Extension Letter is…

of this report (including Exhibit 99.1) shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Director — John M. Presley: Mr. Presley resigned from his role as a director of the Board.

Regulation FD Disclosure. On October 25, 2024, the board of directors of SmartFinancial, Inc. (“ SmartFinancial ”) declared a quarterly cash dividend of $0.08 per share of SmartFinancial common stock (the “ Dividend ”) payable on November 27, 2024, to shareholders of record as of the close of business on November 12, 2024. On October 28, 2024, SmartFinancial issued a press release announcing the Dividend. A copy of the press release is attached as Exhibit 99.1 hereto and incorporated herein b…