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 1 DISCLOSURES 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 ...