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SMARTFINANCIAL INC. (SMBK)

NYSE · Finance, Insurance & Real Estate · National Commercial Banks

Core research established · 4/4 core data layers currently established

What SMARTFINANCIAL INC. does

OVERVIEW 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.

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