INVESTOR CALL 2Q 2026 July 21, 2026, 10:00am ET Webcast: www.smartbank.com (Investor Relations) Audio Only: 1-833-461-5787 Access Code: 208 155 555 Miller Welborn Chairman of the Board Billy Carroll President & CEO Ron Gorczynski CFO 1 DISCLOSURES Forward-Looking Statements 2 (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 ...