SmartFinancial, Inc. ("SmartFinancial") (NYSE: SMBK) announces details for the release of its results for the Third Quarter of 2024.

SmartFinancial plans to issue its earnings release for the third quarter of 2024 on Monday, October 21, 2024, after market close, and will host a conference call on Tuesday, October 22, 2024, at 10:00 a.m. ET. To access this interactive teleconference, dial (833) 470-1428 or (404) 975-4839 and enter the access code, 599429. A replay of the conference call will be available through December 21, 2024, by dialing (866) 813-9403 or (929) 458-6194 and entering the access code, 195203.

Conference call materials (earnings release & conference call presentation) will be published on the company’s webpage located at http://www.smartfinancialinc.com/CorporateProfile, at 9:00 a.m. ET prior to the morning of the conference call.

About SmartFinancial, Inc.

SmartFinancial, Inc., based in Knoxville, Tennessee, is the bank holding company for SmartBank. SmartBank is a full-service commercial bank founded in 2007, with branches across Tennessee, Alabama, and Florida. Recruiting the best people, delivering exceptional client service, strategic branching and a disciplined approach to lending have contributed to SmartBank’s success. More information about SmartFinancial can be found on its website: www.smartfinancialinc.com.

Investor Contacts Billy Carroll President and Chief Executive Officer SmartFinancial, Inc. Email: billy.carroll@smartbank.com Phone: 865.868.0613

Nathan Strall Vice President and Director of Strategy & Corporate Development SmartFinancial, Inc. Email: nathan.strall@smartbank.com Phone: 865.868.2604

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