1 INVESTOR CALL 3Q 2026 October 20, 2026, 10:00am ET Webcast: www.smartbank.com (Investor Relations) Audio Only: 1 -833 -461 -5787 Access Code: 955 254 100 Miller Welborn Chairman of the Board Billy Carroll President & CEO Ron Gorczynski CFO

(i) Operating earnings (ii) Operating revenue (iii) Operating noninterest income (iv) Operating noninterest expense (v) Operating pre-provision net revenue (PPNR) earnings (vi) Tangible common equity (vii) Tangible common equity (excluding Accumulated Other Comprehensive income (AOCI)) (viii) Average tangible common equity (ix) Tangible book value per common share (x) Tangible book value per common share (excluding AOCI) (xi) Tangible assets (xii) Operating efficiency ratio (xiii) Operating return on average assets (xiv) Operating PPNR return on average assets (xv) Operating return on average shareholders’ equity (xvi) Return on average tangible common equity (xvii) Operating return on average tangible common equity (xviii) Operating noninterest income/average assets (xix) Operating noninterest expense/average assets (xx) Tangible common equity to tangible assets (xxi) Operating earnings per common share 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 can generally be identified by such words as “expect,” “anticipate,” “intend,” “plan,” “believe,” “seek,” “may,” “estimate,” and similar expressions. All forward-looking statements are subject to risks, uncertainties, and other factors that may cause the actual results of SmartFinancial to differ materially from future results expressed or implied by such forward-looking statements. Such risks, uncertainties, and other factors include, among others, (1) risks associated with our growth strategy, including a failure to implement our growth plans or an inability to manage our growth effectively; (2) claims and litigation arising from our business activities and from the companies we acquire, which may relate to contractual issues, environmental laws, fiduciary responsibility, and other matters; (3) general risks related to our disposition, merger and acquisition activity, including risks associated with our pursuit of future acquisitions or sales; (4) changes in management’s plans for the future; (5) prevailing, or changes in, economic or political conditions (including those resulting from the current administration and Congress), particularly in our market areas, including the effects of declines in the real estate market, high unemployment rates, inflationary pressures, elevated interest rates and slowdowns in economic growth, as well as the financial stress on borrowers as a result of the foregoing; (6) our ability to anticipate interest rate changes and manage interest rate risk (including the impact of higher interest rates on macroeconomic conditions, competition, and the cost of doing business and the impact of interest rate fluctuations on our financial projections, models and guidance); (7) tariffs or trade wars (including reduced consumer spending, lower economic growth or recession, reduced demand for U.S. exports, disruptions to supply chains, and decreased demand for other banking products and services); (8) uncertain duration of trade conflicts and the magnitude of the impact that proposed tariffs may have on our customers’ businesses; (9) increased technology and cybersecurity risks, including generative artificial intelligence risks; (10) the impact of a failure in, or breach of, our operational or security systems or infrastructure, or those of third parties with whom we do business, including as a result of cyber-attacks or an increase in the incidence or severity of fraud, illegal payments, security breaches or other illegal acts impacting us and our customers; (11) credit risk associated with our lending activities; (12) changes in loan demand, real estate values, or competition; (13) developments in our mortgage banking business, including loan modifications, general demand, and the effects of judicial or regulatory requirements or guidance; (14) changes in accounting principles, policies, or guidelines; (15) changes in applicable laws, rules, or regulations; (16) adverse results from current or future litigation, regulatory examinations or other legal and/or regulatory actions; (17) potential impacts of any adverse developments in the banking industry, including the impacts on customer confidence, deposit outflows, liquidity and the regulatory response thereto; (18) significant turbulence or a disruption in the capital or financial markets and the effect of a fall in stock market prices on our investment securities; (19) the effects of war or other conflicts; (20) the impact of government actions or inactions, including a prolonged shutdown of the federal government; and (21) other general competitive, economic, political, and market factors, including those affecting our business, operations, pricing, products, or services. These and other factors that could cause results to differ materially from those described in the forward-looking statements can be found in SmartFinancial’s most recent annual report on Form 10-K, quarterly reports on Form 10-Q, and current reports on Form 8-K, in each case filed with or furnished to the Securities and Exchange Commission (the “SEC”) and available on the SEC’s website (www.sec.gov). Undue reliance should not be placed on forward-looking statements. SmartFinancial disclaims any obligation to update or revise any forward-looking statements contained in this presentation, which speak only as of the date hereof, whether as a result of new information, future events, or otherwise. DISCLOSURES 2 Non-GAAP Financial Measures Statements included in this presentation include measures not recognized under U.S. generally accepted accounting principles (GAAP) and therefore are considered Non-GAAP financial measures (Non-GAAP) and should be read along with the accompanying tables, which provide a reconciliation of Non-GAAP financial measures to GAAP financial measures. SmartFinancial management uses several Non-GAAP financial measures and ratios derived therefrom in its analysis of SmartFinancial's performance, including: Unless otherwise indicated, all financial data contained in this presentation is as of 9/30/26 A detailed reconciliation and definition of these items and the ratios derived therefrom is available in the Non-GAAP appendix to this presentation. Management believes that Non-GAAP financial measures provide additional useful information that allows investors to evaluate the ongoing performance of the company and provide meaningful comparisons to its peers. Management also believes these Non-GAAP financial measures enhance investors' ability to compare period-to-period financial results and allow investors and company management to view our operating results excluding the impact of items that are not reflective of the underlying operating performance. Non-GAAP financial measures should not be considered as an alternative to any measure of performance or financial condition as promulgated under GAAP, and investors should consider SmartFinancial's performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of the company. Non-GAAP financial measures have limitations as analytical tools, and investors should not consider them in isolation or as a substitute for analysis of the results or financial condition as reported under GAAP.

$0.81 $0.96 $1.10 $0.86 $0.96 $1.10 3Q25 2Q26 3Q26 GAAP EPS Operating Diluted EPS $31.62 $33.74 $34.00 $26.00 $28.22 $28.50 3Q25 2Q26 3Q26 BV Per Common Share TBV Per Common Share 0.96% 1.10% 1.20% 1.02% 1.10% 1.20% 3Q25 2Q26 3Q26 GAAP ROAA Operating ROAA 12.8% 13.7% 15.1% 13.5% 13.7% 15.1% 3Q25 2Q26 3Q26 ROATCE Operating ROATCE 3 Unless otherwise indicated, financial data as of or for the three months ended 9/30/26 1) Non-GAAP financial measure - for a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measures, see the Appendix 2) QoQ: Quarter-over-Quarter 3) “Loans” for purposes of this presentation includes all SmartFinancial loans and leases 4) Core deposits include all deposits less brokered and one-way buy CDARS deposits QUARTERLY HIGHLIGHTS: THIRD QUARTER 2026 4% QoQ2 Annualized TBV per Common Share Growth1 $1.10 Diluted Operating EPS1 1.20% Operating Return on Average Assets1 15.1% Operating Return on Average Tang. Common Equity1 63% Operating Efficiency Ratio1 12% QoQ Annualized Core Deposit Growth4 15% QoQ Annualized Organic Loan3 Growth 87% Loan / Deposit Ratio3 0.25% Non-Performing Assets / Assets $6.3 Billion in Total Assets Earnings Per Share (EPS) Book Value (BV) & Tangible Book Value (TBV) Per Common Share Return on Average Assets (ROAA) Return on Average Tangible Common Equity (ROATCE) 1 1 1 1

$13,004 $18,627 $- $5, 000 $10, 000 $15, 000 $20, 000 $0.77 $1.10 $0 $0 $0 $1 $1 $1 $1 $44,737 $57,533 $10, 000 $20, 000 $30, 000 $40, 000 $50, 000 $60, 000 $3,254 $4,857 $1, 000 $1, 500 $2, 000 $2, 500 $3, 000 $3, 500 $4, 000 $4, 500 $5, 000 $5, 500 $4,077 $5,576 $2, 000 $2, 500 $3, 000 $3, 500 $4, 000 $4, 500 $5, 000 $5, 500 $6, 000 0.10% 0.25% $- $0 $0 $0 $0 $0 4 GAAP KEY MEASURE TRENDS: $ in Thousands Net Income: Diluted EPS: Total Revenue: Loans HFI: Deposits: NPAs / Assets: $ in Thousands $ in Millions $ in Millions Diluted Earnings Per Share: Net Income / Diluted Common Shares Outstanding Total Revenue: Net Interest Income + Total Non-Interest Income Loans HFI: Total Loans Held for Investment NPAs / Assets: Total Nonperforming Assets / Total Assets

$12,864 $18,627 $- $5, 000 $10, 000 $15, 000 $20, 000 $0.76 $1.10 $0 $0 $1 $1 $1 $1 $17,132 $21,177 $5, 000 $10, 000 $15, 000 $20, 000 $25, 000 1.10%1.20% $- $0 $0 $0 $0 $0 $0 $0 16.47% 15.07% $- $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $19.09 $28.50 $16 $18 $20 $22 $24 $26 $28 $30 5 NON-GAAP KEY MEASURE TRENDS1 : 1) Operating Earnings, Operating Diluted EPS, Operating PPNR Earnings, Operating ROAA, Operating ROATCE, Tangible Book Value Per Share and Tangible Common Equity are all Non-GAAP financial measures. For a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measures, see the Appendix $ in Thousands Operating Earnings: Operating Diluted EPS: Operating PPNR Earnings: Operating ROAA: Operating ROATCE: TBV Per Common Share: $ in Thousands Operating Diluted Earnings Per Share: Operating Earnings / Diluted Common Shares Outstanding Operating Pre-Provision Net Revenue Earnings: Net Interest Income + Operating Non-Interest Income – Operating Non-Interest Expense Operating Non-Interest Income: Non-Interest Income Adjusted for Non-Operating, Non-Recurring Items Operating Non-Interest Expense: Non-Interest Expense Adjusted for Non-Operating, Non-Recurring Items Operating Return on Average Assets: Operating Earnings / Average Assets TBV Per Common Share: Tangible Common Equity / Total Common Shares Outstanding Tangible Common Equity: Total Common Equity Less Goodwill, Core Deposit and Other Intangibles Operating Earnings: Net Income Adjusted for Non-Operating Items Operating Return on Average Tangible Common Equity: Operating Earnings / Average Tangible Common Equity Tangible Common Equity: Total Common Equity Less Goodwill, Core Deposit and Other Intangibles $ in Thousands

6 SMARTFINANCIAL: EXPANDING SOUTHEAST FRANCHISE $6.3 Billion in Total Assets $4.9 Billion in Total Loans We are building a culture where Associates thrive and are empowered to be leaders. The core values that we have established as a company help us operate in unison and have become a critical part of our culture. Our Associates are key to SmartBank’s success. $5.6 Billion in Total Deposits 43 Total Branches Knoxville Nashville Huntsville Tuscaloosa Mobile Pensacola Birmingham Auburn Tallahassee Dothan Montgomery Branch Offices Current Loan Production Offices Chattanooga 1) 2026 Great Place to Work survey Panama City 1 97% Destin Columbus

24% 23% 23% 23% 23% 27% 27% 28% 28% 27% 19% 19% 18% 18% 19% 9% 10% 11% 11% 12% 19% 19% 19% 19% $4,222 19% $4,364 $4,518 $4,683 $4,857 3Q25 4Q25 1Q26 2Q26 3Q26 CRE, OO CRE, NOO C&I C&D Consumer RE Leases & Other $2,693 $3,254 $3,444 $3,906 $4,364 $4,518 $4,683 $4,857 5.43% 5.86% 5.98% 5.93% 5.95% 5.99% 5. 00% 5. 20% 5. 40% 5. 60% 5. 80% 6. 00% 6. 20% 6. 40% $- $500 $1, 000 $1, 500 $2, 000 $2, 500 $3, 000 $3, 500 $4, 000 $4, 500 $5, 000 2021Y 2022Y 2023Y 2024Y 2025Y 1Q26 2Q26 3Q26 9 LOAN PORTFOLIO: SOLID MARKETS PROVIDING OPPORTUNITY Total Loans CAGR of 13% Since 2021 $ in Millions, unless otherwise indicated Average Loan Yield (excluding accretion & fees) Loan Composition History of Consistent Organic Growth

105% 100% Peer Average SMBK 91% 87% Peer Average SMBK Total Amount Net Available Used Availability Current On-Balance Sheet: Cash & Cash Equiv. $365 $0 $365 Securities Eligible for Liquidity 676 340 336 Available Sources of Liquidity: Fed Funds 121 0 121 FHLB 1,065 380 685 FRB 354 0 354 HC LoC 35 0 35 Total Liquidity $2,615 $720 $1,895 15 LIQUIDITY OVERVIEW: PRUDENTLY MANAGING LIQUIDITY 1) Peer average based on most recently reported period results for each peer; peers include major exchange traded banks in the Southeast with assets between $2.5 billion and $10.0 billion 2) Includes all securities available to be pledged as collateral or freely tradable; amount used represents total amount of securities pledged as collateral at quarter end 3) Federal Reserve Board discount window borrowing capacity shown as of 9/30/26 4) Uninsured deposits are defined as non-collateralized, non-reciprocal deposits above the FDIC deposit insurance limit Source: S&P Global Loan + Securities / Deposit Ratio (Most Recent Quarter Period End) Loan / Deposit Ratio (Most Recent Quarter Period End) Other Liquidity Sources Access to a Variety of Funding Robust Liquidity on Hand $1.9 Billion in Untapped Liquidity Sources $700 Million in On-Balance Sheet Liquidity 1.3x Liquidity to Uninsured Deposit Ratio4 1 1 $ in Millions, unless otherwise indicated 3 2

$42,430 $45,094 $45,876 $48,064 $49,402 $8,397 $8,219 $7,940 $7,832 $8,131 $50,827 $53,313 $53,816 $55,896 $57,533 3.25% 3.38% 3.48% 3.52% 3.45% $18, 000 $23, 000 $28, 000 $33, 000 $38, 000 $43, 000 $48, 000 $53, 000 $58, 000 3.00% 3.20% 3.40% 3.60% 3.80% 4.00% 3Q25 4Q25 1Q26 2Q26 3Q26 Net Interest Income Operating Noninterest Income Net Interest Margin (FTE) $557 $464 $346 $379 $365 $634 $662 $673 $680 $676 11.0% 11.3% 11.4% 11.1% 10.7% 0.0% 5.0% 10.0% 15.0% 20.0% 25.0% 30.0% 35.0% 40.0% $- $100 $200 $300 $400 $500 $600 $700 $800 $900 3Q25 4Q25 1Q26 2Q26 3Q26 Cash and Cash Equiv. Securities (AFS/HTM) Securities (AFS/HTM) / Total Assets 16 LIQUIDITY MANAGEMENT: MARGIN INFLECTION CONTINUES Cash and Securities Margin / Operating Revenue2 1) Based on the weighted average of the AFS/HTM securities portfolio. Yields related to investment securities exempt from income taxes are stated on a taxable-equivalent basis assuming a federal income tax rate of 21.0% 2) Non-GAAP financial measure - for a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measures, see the Appendix 2 $ in Millions, unless otherwise indicated $ in Thousands, unless otherwise indicated 3Q25 4Q25 1Q26 2Q26 3Q26 Cash Yield 4.56% 3.98% 3.66% 3.81% 3.97% Sec. Yield (AFS & HTM)1 3.44% 3.81% 3.78% 3.83% 3.85% Loans (less Accr. & Fees) 6.05% 6.00% 5.93% 5.95% 5.99% Loan Accr. & Fees 0.09% 0.08% 0.09% 0.12% 0.10% Loan Yield (incl. Accr. & Fees) 6.14% 6.08% 6.02% 6.07% 6.08% IE Asset Yield 5.68% 5.65% 5.62% 5.70% 5.72% Net Interest Margin (FTE) 3.25% 3.38% 3.48% 3.52% 3.45%

$443 , 0.2% $(1,673), -0.8% $264 , 0.1% Interest Income % Change Shock -200bps Shock -100bps Shock +100bps $(2,701), -1.3% $(2,174), -1.1% $(1,419), -0.7% Interest Income % Change Ramp -200bps Ramp -100bps Ramp +100bps 39% 14% 47% Fixed Rate LT Variable ST Variable 17 INTEREST RATE SENSITIVITY Fixed vs. Variable Rate Loans Static Shock / Rate Ramp Analysis1 1) Based on 12-month static rate shock and ramp analysis as of 9/30/26. These estimates of changes in SmartFinancial’s net interest income require us to make certain assumptions including loan and mortgage-related investment prepayment speeds, reinvestment rate, deposit maturities and decay rates. These assumptions are inherently uncertain and, as a result, we cannot precisely predict the impact of changes in interest rates on net interest income. Although our analysis provides an indication of our interest rate risk exposure at a particular point in time, such estimates are not intended to, and do not, provide a precise forecast of the effect of changes in market interest rates and will differ from actual results $1.9 Billion Fixed Rate Loans $3.0 Billion Variable Rate Loans • $2.3 Billion Short-Term Variable Rate (Resetting within 1 - 3 Months) • $694 Million Long-Term Variable Rate (Resets > 3 Months) $ in Millions, unless otherwise indicated $ in Thousands, unless otherwise indicated

$8,397 $8,219 $7,940 $7,832 $8,131 3Q25 4Q25 1Q26 2Q26 3Q26 Other Noninterest Income Mortgage Banking Income Investment Services Income Interchange Fees Service Charges on Deposit Accounts Insurance Commissions 18 REVENUE DIVERSIFICATION: LINE OF BUSINESS & FEE INCOME EXPANSION Operating Noninterest Income1 Focused on Recurring Fee Income 1) Non-GAAP financial measure - for a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measures, see the Appendix Differentiated Revenue Streams Building a Family of Diversified Revenue Generators $ in Thousands, unless otherwise indicated $7,348 Operating Noninterest Income Excluding Insurance Commissions Wealth & Private Banking ~$1.6 Billion in Assets Under Management Treasury Management >$825 Million in Analyzed Deposits Floor Plan Lending ~$374 Million in Commitments Mortgage Banking $37 Million in 2026 Q3 Secondary Production Equipment Finance $147 Million in Outstanding Loans and Leases

64% 60% 61% 60% 63% 3Q25 4Q25 1Q26 2Q26 3Q26 Operating Efficiency Ratio $32,559 $32,455 $32,915 $33,955 $36,356 3Q25 4Q25 1Q26 2Q26 3Q26 Salaries & Benefits Occupancy & Equipment Data Processing & Technology Professional Services Amortization of Intangibles Other Noninterest Expense 19 1) Non-GAAP financial measure - for a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measures, see the Appendix OPERATING EXPENSE: FOCUS ON EXPENSE CONTAINMENT Operating Efficiency Ratio1 Operating Noninterest Expense1 1 $ in Thousands, unless otherwise indicated

7.8% 7.9% 8.0% 8.0% 7.8% 3Q25 4Q25 1Q26 2Q26 3Q26 9.9% 9.8% 9.8% 9.8% 9.8% 3Q25 4Q25 1Q26 2Q26 3Q26 8.2% 8.3% 8.4% 8.5% 8.5% 3Q25 4Q25 1Q26 2Q26 3Q26 13.3% 12.7% 12.7% 12.6% 12.6% 3Q25 4Q25 1Q26 2Q26 3Q26 $19.26 $19.09 $20.76 $22.85 $26.85 $28.50 $19.17 $21.18 $22.29 $24.25 $27.39 $30.03 $15. 00 $17. 00 $19. 00 $21. 00 $23. 00 $25. 00 $27. 00 $29. 00 $31. 00 2021Y 2022Y 2023Y 2024Y 2025Y 3Q26 TBVPCS Adj. TBVPCS (Excl. AOCI) CAPITAL: WELL CAPITALIZED – BUILDING BOOK VALUE 1) Non-GAAP financial measure - for a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measures, see the Appendix 20 Note: Capital ratio data as of the most recent period ended 9/30/26 TCE / TA1 CET1 Ratio Total Capital Ratio Leverage Ratio Basel III Regulatory Capital Minimum To Be Considered “Well Capitalized” Building Shareholder Value Tangible Book Value Per Common Share (TBVPCS)1 $10.86 TBVPCS1 Created 2021 – 2026 (Excluding Accumulated Other Comprehensive Income) $0.09 2026 Per Share Quarterly Dividend 5% Well Capitalized 10% Well Capitalized 6.5% Well Capitalized 1 1

WHY SMARTBANK: INVESTMENT HIGHLIGHTS 21 Franchise Scarcity Value – Building Southeast Density Engaged Management Team Stable Markets Experiencing Population Expansion Valuable Deposit Base Growing Business Lines with Revenue Diversification Solid Credit Quality and Underwriting History of Defending Book Value and Delivering Shareholder Value $

APPENDIX 22

2Q26 3Q25 ($ in thousands, except per share data) 3Q26 2Q26 3Q25 % Chg. % Chg. Net Interest Income $ 49,402 $ 48,064 $ 42,430 3% 16% Provision for Credit Losses 687 1,463 227 Noninterest Income 8,131 7,886 8,637 3% (6%) Noninterest Expense 36,356 33,955 33,869 7% 7% Income Tax Expense 1,863 4,210 3,285 Net Income (GAAP) $ 18,627 $ 16,322 $ 13,686 14% 36% Non-GAAP Reconciliations Noninterest Income - (54) (240) Noninterest Expense - - 1,310 Income Tax Effect Of Adjustments - 14 (276) Operating Earnings (Non-GAAP) $ 18,627 $ 16,282 $ 14,480 14% 29% Operating PPNR Earnings (Non-GAAP) $ 21,177 $ 21,941 $ 18,268 (3%) 16% 2Q26 3Q25 Non-GAAP Performance Metrics 3Q26 2Q26 3Q25 % Chg. % Chg. Diluted Operating Earnings Per Share $ 1.10 $ 0.96 $ 0.86 14% 28% Tangible Book Value Per Common Share $ 28.50 $ 28.22 $ 26.00 1% 10% Operating Return on Average Assets 1.20% 1.10% 1.02% Operating PPNR Return on Average Assets 1.37% 1.48% 1.29% Operating Return on Average Tang. Common Equity 15.1% 13.7% 13.5% Operating Efficiency Ratio 62.9% 60.4% 63.6% 3Q26 vs. 3Q26 vs. 23 Note: For a reconciliation of Non-GAAP financial measures to their most directly comparable GAAP measures, see the Appendix; percentage change may differ due to rounding INCOME STATEMENT: DETAILED THIRD QUARTER RESULTS

3Q26 2Q26 1Q26 4Q25 3Q25 2Q25 1Q25 4Q24 Operating Earnings Net Income (GAAP) $ 18,627 $ 16,322 $ 13,680 $ 13,703 $ 13,686 $ 11,705 $ 11,254 $ 9,640 Noninterest Income: Securities (Gains) Losses - (54) (1) - 3,715 4 - (64) Gain on Sale of Branch Building - - - - - - - - Gain on Sale of SBKI - - - - (3,955) - - - Noninterest Expenses: Donation of a Former Branch Location - - - - - - - - Accruals For Pending Litigation - - - - - - - - Merger Related And Restructuring Expenses - - - 16 1,310 - - - Income Taxes: Income Tax Effect Of Adjustments - 14 0 (4) (276) (1) - 17 Operating Earnings (Non-GAAP) $ 18,627 $ 16,282 $ 13,679 $ 13,715 $ 14,480 $ 11,708 $ 11,254 $ 9,593 Operating Earnings Per Common Share (Non-GAAP): Basic $ 1.11 $ 0.97 $ 0.81 $ 0.82 $ 0.86 $ 0.70 $ 0.67 $ 0.57 Diluted 1.10 0.96 0.81 0.81 0.86 0.69 0.67 0.57 Operating Noninterest Income Noninterest Income (GAAP) $ 8,131 $ 7,886 $ 7,941 $ 8,219 $ 8,637 $ 8,898 $ 8,597 $ 9,030 Securities (Gains) Losses - (54) (1) - 3,715 4 - (64) Gain on Sale of Branch Building - - - - - - - - Gain on Sale of SBKI - - - - (3,955) - - - Operating Noninterest Income (Non-GAAP) $ 8,131 $ 7,832 $ 7,940 $ 8,219 $ 8,397 $ 8,902 $ 8,597 $ 8,966 Operating Noninterest Expense Noninterest Expense (GAAP) $ 36,356 $ 33,955 $ 32,915 $ 32,471 $ 33,869 $ 32,569 $ 32,296 $ 32,291 Donation of a Former Branch Location - - - - - - - - Accruals For Pending Litigation - - - - - - - - Merger Related And Restructuring Expenses - - - (16) (1,310) - - - Operating Noninterest Expense (Non-GAAP) $ 36,356 $ 33,955 $ 32,915 $ 32,455 $ 32,559 $ 32,569 $ 32,296 $ 32,291 Operating Revenue Net Interest Income (GAAP) $ 49,402 $ 48,064 $ 45,876 $ 45,094 $ 42,430 $ 40,343 $ 38,238 $ 37,783 Operating Noninterest Income (Non-GAAP) 8,131 7,832 7,940 8,219 8,397 8,902 8,597 8,966 Operating Revenue (Non-GAAP) 57,533 55,896 53,816 53,313 50,827 49,245 46,835 46,749 Operating Pre-Provision Net Revenue ("PPNR") Earnings Operating Revenue (Non-GAAP) $ 57,533 $ 55,896 $ 53,816 $ 53,313 $ 50,827 $ 49,245 $ 46,835 $ 46,749 Operating Noninterest Expense (Non-GAAP) (36,356) (33,955) (32,915) (32,455) (32,559) (32,569) (32,296) (32,291) Operating PPNR Earnings (Non-GAAP) $ 21,177 $ 21,941 $ 20,901 $ 20,858 $ 18,268 $ 16,676 $ 14,539 $ 14,458 Non-GAAP Return Ratios Operating Return On Average Assets (Non-GAAP)(1) 1.20% 1.10% 0.96% 0.95% 1.02% 0.88% 0.87% 0.75% Operating PPNR Return On Average Assets (Non-GAAP)(2) 1.37% 1.48% 1.47% 1.44% 1.29% 1.25% 1.12% 1.13% Return On Average Tangible Common Equity (Non-GAAP)(3) 15.07% 13.74% 11.93% 12.06% 12.79% 11.53% 11.60% 9.99% Operating Return On Average Shareholders' Equity (Non-GAAP)(4) 12.64% 11.43% 9.90% 9.96% 10.92% 9.19% 9.17% 7.80% Operating Return On Average Tangible Common Equity (Non-GAAP)(5) 15.07% 13.70% 11.93% 12.07% 13.53% 11.53% 11.60% 9.94% Operating Efficiency Ratio Efficiency Ratio (GAAP) 63.19% 60.69% 61.16% 60.91% 66.32% 66.14% 68.96% 68.98% Adjustment For Taxable Equivalent Yields (0.34%) (0.38%) (0.41%) (0.43%) (0.47%) (0.47%) (0.50%) (0.49%) Adjustment For Securities (Gains) Losses - 0.07% - - (4.50%) (0.01%) - 0.09% Adjustment For Sale of Branch Building - - - - - - - - Adjustment For Sale of SBKI / Donation of a Former Branch Location - - - - 5.57% - - - Adjustment For Accruals For Pending Litigation - - - - - - - - Adjustment For Merger Expenses - - - (0.02%) (3.31%) - - - Operating Efficiency Ratio (Non-GAAP) 62.85% 60.38% 60.75% 60.45% 63.61% 65.66% 68.46% 68.58% NON-GAAP RECONCILIATION 24 $ in Thousands, unless otherwise indicated 1. Operating return on average assets (Non-GAAP) is the annualized operating earnings (Non-GAAP) divided by average assets. 2. Operating PPNR return on average assets (Non-GAAP) is the annualized operating PPNR earnings (Non-GAAP) divided by average assets. 3. Return on average tangible common equity (Non-GAAP) is the annualized net income divided by average tangible common equity (Non-GAAP). 4. Operating return on average shareholders’ equity (Non-GAAP) is the annualized operating earnings (Non-GAAP) divided by average shareholder equity. 5. Operating return on average tangible common equity (Non-GAAP) is the annualized operating earnings (Non-GAAP) divided by average tangible common equity (Non-GAAP). Note: Totals may not add due to rounding

3Q24 2Q24 1Q24 4Q23 3Q23 2Q23 1Q23 4Q22 Operating Earnings Net Income (GAAP) $ 9,140 $ 8,003 $ 9,358 $ 6,190 $ 2,067 $ 8,836 $ 11,500 $ 13,004 Noninterest Income: Securities (Gains) Losses - - - - 6,801 - - (144) Gain on Sale of Branch Building - (283) (1,346) - - - - - Gain on Sale of SBKI - - - - - - - - Noninterest Expenses: Donation of a Former Branch Location - - - 250 - - - - Accruals For Pending Litigation - - - 675 - - - - Merger Related And Restructuring Expenses - - - - 110 - - (45) Income Taxes: Income Tax Effect Of Adjustments - 73 348 (239) (1,785) - - 49 Operating Earnings (Non-GAAP) $ 9,140 $ 7,793 $ 8,360 $ 6,876 $ 7,193 $ 8,836 $ 11,500 $ 12,864 Operating Earnings Per Common Share (Non-GAAP): Basic $ 0.55 $ 0.47 $ 0.50 $ 0.41 $ 0.43 $ 0.53 $ 0.69 $ 0.77 Diluted 0.54 0.46 0.49 0.41 0.43 0.52 0.68 0.76 Operating Noninterest Income Noninterest Income (GAAP) $ 9,139 $ 7,604 $ 8,380 $ 7,579 $ 691 $ 7,130 $ 6,925 $ 7,125 Securities (Gains) Losses - - - - 6,801 - - (144) Gain on Sale of Branch Building - (283) (1,346) - - - - - Gain on Sale of SBKI - - - - - - - - Operating Noninterest Income (Non-GAAP) $ 9,139 $ 7,321 $ 7,034 $ 7,579 $ 7,492 $ 7,130 $ 6,925 $ 6,981 Operating Noninterest Expense Noninterest Expense (GAAP) $ 30,846 $ 29,201 $ 28,553 $ 29,695 $ 28,516 $ 27,410 $ 27,529 $ 27,416 Donation of a Former Branch Location - - - (250) - - - - Accruals For Pending Litigation - - - (675) - - - - Merger Related And Restructuring Expenses - - - - (110) - - 45 Operating Noninterest Expense (Non-GAAP) $ 30,846 $ 29,201 $ 28,553 $ 28,770 $ 28,406 $ 27,410 $ 27,529 $ 27,461 Operating Revenue Net Interest Income (GAAP) $ 35,032 $ 32,814 $ 31,721 $ 31,517 $ 31,006 $ 31,575 $ 35,982 $ 37,612 Operating Noninterest Income (Non-GAAP) 9,139 7,321 7,034 7,579 7,492 7,130 6,925 6,981 Operating Revenue (Non-GAAP) 44,171 40,135 38,755 39,096 38,498 38,705 42,907 44,593 Operating Pre-Provision Net Revenue ("PPNR") Earnings Operating Revenue (Non-GAAP) $ 44,171 $ 40,135 $ 38,755 $ 39,096 $ 38,498 $ 38,705 $ 42,907 $ 44,593 Operating Noninterest Expense (Non-GAAP) (30,846) (29,201) (28,553) (28,770) (28,406) (27,410) (27,529) (27,461) Operating PPNR Earnings (Non-GAAP) $ 13,325 $ 10,934 $ 10,202 $ 10,326 $ 10,092 $ 11,295 $ 15,378 $ 17,132 Non-GAAP Return Ratios Operating Return On Average Assets (Non-GAAP)(1) 0.74% 0.64% 0.69% 0.57% 0.60% 0.75% 0.97% 1.10% Operating PPNR Return On Average Assets (Non-GAAP)(2) 1.08% 0.90% 0.84% 0.86% 0.84% 0.96% 1.30% 1.46% Return On Average Tangible Common Equity (Non-GAAP)(3) 9.75% 8.94% 10.62% 7.18% 2.43% 10.57% 14.45% 16.65% Operating Return On Average Shareholders' Equity (Non-GAAP)(4) 7.60% 6.72% 7.29% 6.07% 6.41% 7.98% 10.79% 12.15% Operating Return On Average Tangible Common Equity (Non-GAAP)(5) 9.75% 8.70% 9.49% 7.98% 8.46% 10.57% 14.45% 16.47% Operating Efficiency Ratio Efficiency Ratio (GAAP) 69.83% 72.25% 71.20% 75.95% 89.96% 70.82% 64.16% 61.28% Adjustment For Taxable Equivalent Yields (0.55%) (0.63%) (0.17%) (0.18%) (0.27%) (0.18%) (0.14%) (0.22%) Adjustment For Securities (Gains) Losses - - - - (15.89%) - - 0.20% Adjustment For Sale of Branch Building - 0.51% 2.46% - - - - - Adjustment For Sale of SBKI / Donation of a Former Branch Location - - - (0.64%) - - - - Adjustment For Accruals For Pending Litigation - - - (1.72%) - - - - Adjustment For Merger Expenses - - - - (0.20%) - - 0.10% Operating Efficiency Ratio (Non-GAAP) 69.28% 72.13% 73.50% 73.41% 73.60% 70.64% 64.02% 61.36% NON-GAAP RECONCILIATION 25 $ in Thousands, unless otherwise indicated 1. Operating return on average assets (Non-GAAP) is the annualized operating earnings (Non-GAAP) divided by average assets. 2. Operating PPNR return on average assets (Non-GAAP) is the annualized operating PPNR earnings (Non-GAAP) divided by average assets. 3. Return on average tangible common equity (Non-GAAP) is the annualized net income divided by average tangible common equity (Non-GAAP). 4. Operating return on average shareholders’ equity (Non-GAAP) is the annualized operating earnings (Non-GAAP) divided by average shareholder equity. 5. Operating return on average tangible common equity (Non-GAAP) is the annualized operating earnings (Non-GAAP) divided by average tangible common equity (Non-GAAP). Note: Totals may not add due to rounding

NON-GAAP RECONCILIATION 1. Tangible book value per share (Non-GAAP) is computed by dividing total shareholder’s equity, less goodwill and other intangible assets, by common shares outstanding. 26 Note: Totals may not add due to rounding $ in Thousands, unless otherwise indicated 3Q24 2Q24 1Q24 4Q23 3Q23 2Q23 1Q23 4Q22 Tangible Common Equity: Shareholders' Equity (GAAP) $ 489,023 $ 472,465 $ 466,796 $ 459,886 $ 446,652 $ 444,847 $ 443,399 $ 432,452 Less Goodwill And Other Intangible Assets 105,324 105,929 106,537 107,148 107,792 108,439 109,114 109,772 Tangible Common Equity (Non-GAAP) $ 383,699 $ 366,536 $ 360,259 $ 352,738 $ 338,860 $ 336,408 $ 334,285 $ 322,680 Average Tangible Common Equity: Average Shareholders' Equity (GAAP) $ 478,642 $ 466,371 $ 461,148 $ 449,526 $ 445,432 $ 444,283 $ 432,382 $ 420,037 Less Goodwill And Other Intangible Assets 105,701 106,301 106,920 107,551 108,194 108,851 109,537 110,206 Average Tangible Common Equity (Non-GAAP) $ 372,941 $ 360,070 $ 354,228 $ 341,975 $ 337,238 $ 335,432 $ 322,845 $ 309,831 Tangible Book Value Per Common Share: Book Value Per Common Share (GAAP) $ 28.89 $ 27.91 $ 27.37 $ 27.07 $ 26.28 $ 26.16 $ 26.08 $ 25.59 Adjustment Due To Goodwill And Other Intangible Assets (6.22) (6.25) (6.25) (6.31) (6.34) (6.38) (6.42) (6.50) Tangible Book Value Per Common Share (Non-GAAP)(1) $ 22.67 $ 21.66 $ 21.12 $ 20.76 $ 19.94 $ 19.78 $ 19.66 $ 19.09 Tangible Common Equity To Tangible Assets: Total Assets (GAAP) $ 4,908,934 $ 4,891,009 $ 4,954,690 $ 4,829,387 $ 4,797,171 $ 4,745,800 $ 4,769,805 $ 4,637,498 Less Goodwill And Other Intangibles 105,324 105,929 106,537 107,148 107,792 108,439 109,114 109,772 Tangible Assets (Non-GAAP) $ 4,803,610 $ 4,785,080 $ 4,848,153 $ 4,722,239 $ 4,689,379 $ 4,637,361 $ 4,660,691 $ 4,527,726 Tangible Common Equity To Tangible Assets (Non-GAAP): 7.99% 7.66% 7.43% 7.47% 7.23% 7.25% 7.17% 7.13% 3Q26 2Q26 1Q26 4Q25 3Q25 2Q25 1Q25 4Q24 Tangible Common Equity: Shareholders' Equity (GAAP) $ 581,256 $ 576,924 $ 562,161 $ 552,492 $ 538,482 $ 519,127 $ 505,941 $ 491,461 Less Goodwill And Other Intangible Assets 93,967 94,417 94,871 95,328 95,807 103,588 104,154 104,723 Tangible Common Equity (Non-GAAP) $ 487,289 $ 482,507 $ 467,290 $ 457,164 $ 442,675 $ 415,539 $ 401,787 $ 386,738 Average Tangible Common Equity: Average Shareholders' Equity (GAAP) $ 584,771 $ 571,349 $ 560,348 $ 546,489 $ 525,829 $ 511,067 $ 497,980 $ 489,172 Less Goodwill And Other Intangible Assets 94,239 94,696 95,145 95,619 101,326 103,936 104,504 105,093 Average Tangible Common Equity (Non-GAAP) $ 490,532 $ 476,653 $ 465,203 $ 450,870 $ 424,503 $ 407,131 $ 393,476 $ 384,079 Tangible Book Value Per Common Share: Book Value Per Common Share (GAAP) $ 34.00 $ 33.74 $ 32.88 $ 32.44 $ 31.62 $ 30.51 $ 29.73 $ 29.04 Adjustment Due To Goodwill And Other Intangible Assets (5.50) (5.52) (5.55) (5.59) (5.63) (6.09) (6.12) (6.19) Tangible Book Value Per Common Share (Non-GAAP)(1) $ 28.50 $ 28.22 $ 27.33 $ 26.85 $ 26.00 $ 24.42 $ 23.61 $ 22.85 Tangible Common Equity To Tangible Assets: Total Assets (GAAP) $ 6,320,798 $ 6,115,306 $ 5,907,685 $ 5,860,810 $ 5,784,983 $ 5,490,863 $ 5,411,217 $ 5,275,904 Less Goodwill And Other Intangibles 93,967 94,417 94,871 95,328 95,807 103,588 104,154 104,723 Tangible Assets (Non-GAAP) $ 6,226,831 $ 6,020,889 $ 5,812,814 $ 5,765,482 $ 5,689,176 $ 5,387,275 $ 5,307,063 $ 5,171,181 Tangible Common Equity To Tangible Assets (Non-GAAP): 7.83% 8.01% 8.04% 7.93% 7.78% 7.71% 7.57% 7.48%

NON-GAAP RECONCILIATION 1. Tangible book value per share (Non-GAAP) is computed by dividing total shareholder’s equity, less goodwill and other intangible assets, by common shares outstanding. 27 Note: Totals may not add due to rounding $ in Thousands, unless otherwise indicated 3Q24 2Q24 1Q24 4Q23 3Q23 2Q23 1Q23 4Q22 Tangible Common Equity (Excluding AOCI): Shareholders' Equity (GAAP) $ 489,023 $ 472,465 $ 466,796 $ 459,886 $ 446,652 $ 444,847 $ 443,399 $ 432,452 Less Goodwill And Other Intangible Assets 105,324 105,929 106,537 107,148 107,792 108,439 109,114 109,772 Tangible Common Equity (Non-GAAP) $ 383,699 $ 366,536 $ 360,259 $ 352,738 $ 338,860 $ 336,408 $ 334,285 $ 322,680 Less Adjustment Due to AOCI (Loss) (17,349) (25,798) (27,425) (25,907) (34,156) (35,017) (28,620) (35,324) Tangible Common Equity (Excl. AOCI) (Non-GAAP) $ 401,048 $ 392,334 $ 387,684 $ 378,645 $ 373,016 $ 371,425 $ 362,905 $ 358,004 Tangible Book Value Per Common Share (Excluding AOCI): Book Value Per Common Share (GAAP) $ 28.89 $ 27.91 $ 27.37 $ 27.07 $ 26.28 $ 26.16 $ 26.08 $ 25.59 Adjustment Due To Goodwill And Other Intangible Assets (6.22) (6.25) (6.25) (6.31) (6.34) (6.38) (6.42) (6.50) Tangible Book Value Per Common Share (Non-GAAP)(1) $ 22.67 $ 21.66 $ 21.12 $ 20.76 $ 19.94 $ 19.78 $ 19.66 $ 19.09 Less Adjustment Due to AOCI (Loss) (1.02) (1.52) (1.61) (1.52) (2.01) (2.06) (1.68) (2.09) Tangible Book Value Per Common Share (Excl. AOCI) (Non-GAAP) $ 23.69 $ 23.18 $ 22.73 $ 22.29 $ 21.95 $ 21.84 $ 21.34 $ 21.18 3Q26 2Q26 1Q26 4Q25 3Q25 2Q25 1Q25 4Q24 Tangible Common Equity (Excluding AOCI): Shareholders' Equity (GAAP) $ 581,256 $ 576,924 $ 562,161 $ 552,492 $ 538,482 $ 519,127 $ 505,941 $ 491,461 Less Goodwill And Other Intangible Assets 93,967 94,417 94,871 95,328 95,807 103,588 104,154 104,723 Tangible Common Equity (Non-GAAP) $ 487,289 $ 482,507 $ 467,290 $ 457,164 $ 442,675 $ 415,539 $ 401,787 $ 386,738 Less Adjustment Due to AOCI (Loss) (26,216) (12,941) (12,366) (9,319) (10,781) (17,274) (19,647) (23,671) Tangible Common Equity (Excl. AOCI) (Non-GAAP) $ 513,505 $ 495,448 $ 479,656 $ 466,483 $ 453,456 $ 432,813 $ 421,434 $ 410,409 Tangible Book Value Per Common Share (Excluding AOCI): Book Value Per Common Share (GAAP) $ 34.00 $ 33.74 $ 32.88 $ 32.44 $ 31.62 $ 30.51 $ 29.73 $ 29.04 Adjustment Due To Goodwill And Other Intangible Assets (5.50) (5.52) (5.55) (5.59) (5.63) (6.09) (6.12) (6.19) Tangible Book Value Per Common Share (Non-GAAP)(1) $ 28.50 $ 28.22 $ 27.33 $ 26.85 $ 26.00 $ 24.42 $ 23.61 $ 22.85 Less Adjustment Due to AOCI (Loss) (1.53) (0.76) (0.72) (0.55) (0.63) (1.02) (1.15) (1.40) Tangible Book Value Per Common Share (Excl. AOCI) (Non-GAAP) $ 30.03 $ 28.98 $ 28.05 $ 27.39 $ 26.63 $ 25.43 $ 24.76 $ 24.25

NON-GAAP RECONCILIATION 1. Tangible book value per share (Non-GAAP) is computed by dividing total shareholder’s equity, less goodwill and other intangible assets, by common shares outstanding. 28 Note: Totals may not add due to rounding $ in Thousands, unless otherwise indicated 3Q26 2025Y 2024Y 2023Y 2022Y 2021Y Tangible Common Equity (Excluding AOCI): Shareholders' Equity (GAAP) $ 581,256 $ 552,492 $ 491,461 $ 459,886 $ 432,452 $ 429,430 Less Goodwill And Other Intangible Assets 93,967 95,328 104,723 107,148 109,772 105,852 Tangible Common Equity (Non-GAAP) $ 487,289 $ 457,164 $ 386,738 $ 352,738 $ 322,680 $ 323,578 Less Adjustment Due to AOCI (Loss) (26,216) (9,319) (23,671) (25,907) (35,324) 1,443 Tangible Common Equity (Excl. AOCI) (Non-GAAP) $ 513,505 $ 466,483 $ 410,409 $ 378,645 $ 358,004 $ 322,135 Tangible Book Value Per Common Share (Excluding AOCI): Book Value Per Common Share (GAAP) $ 34.00 $ 32.44 $ 29.04 $ 27.07 $ 25.59 $ 25.56 Adjustment Due To Goodwill And Other Intangible Assets (5.50) (5.59) (6.19) (6.31) (6.50) (6.30) Tangible Book Value Per Common Share (Non-GAAP)(1) $ 28.50 $ 26.85 $ 22.85 $ 20.76 $ 19.09 $ 19.26 Less Adjustment Due to AOCI (Loss) (1.53) (0.55) (1.40) (1.52) (2.09) 0.09 Tangible Book Value Per Common Share (Excl. AOCI) (Non-GAAP) $ 30.03 $ 27.39 $ 24.25 $ 22.29 $ 21.18 $ 19.17

CONTACT 29 Billy Carroll President & CEO 865.868.0613 Billy.Carroll@smartbank.com Miller Welborn Chairman 423.385.3067 Miller.Welborn@smartbank.com 5401 Kingston Pike, Suite 600 Knoxville, TN 37919 Ron Gorczynski Chief Financial Officer 865.437.5724 Ron.Gorczynski@smartbank.com