Exhibit 99.1 4Q 2025 SmartFinancial Announces Results for the Fourth Quarter 2025 KNOXVILLE, TN – January 20, 2026 - SmartFinancial, Inc. ("SmartFinancial" or the "Company"; NYSE: SMBK), today announced net income of $13.7 million, or$0.81 per diluted common share, for the fourth quarter of 2025, compared to net income of $9.6 million, or$0.57 per diluted common share, for the fourth quarter of 2024, and compared to prior quarter net income of $13.7 million, or$0.81 per diluted common share. Operating ea ...