SmartFinancial, Inc. (SMBK) Q1 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello everyone and thank you for joining the Smart Financial first quarter 2026 earning release and conference call. My name is Claire and I'll be coordinating your call today. During the presentation, you can register a question by pressing star followed by one on your telephone keypad. If you change your mind, please press star followed by two on your telephone keypad. I will now hand over to Nate Stroll, Director of Investor Relations to begin. Please go ahead. Thanks, Claire, and good morning, everyone, and thank you for joining us for Smart Financial's first quarter 2026 earnings call. During today's call, we will reference the slides and press release that are available in the investor relations section on our website, smartbank.com. Billy Carroll, our president and chief executive officer, will begin our call, followed by Ron Grzynski, our chief financial officer, who will provide some additional commentary. We will be available to answer your questions at the end of our call. Our comments include forward-looking statements. These statements are subject to risks and uncertainties and actual results could vary materially. We list the factors that might cause these results to differ materially in our press release and in our SEC filing, which are available on our website. We do not assume any obligation to update any forward-looking statements because of new information, early developments, or otherwise, except as may be required by law. During the call, we will reference non-GAAP financial measures related to the company's performance. You may see the reconciliation of these measures in the appendices of the earnings release and investor presentation filed on April 20th, 2026 with the SEC. And now I'll turn it over to Billy Carroll to open our call. Thanks, Nat...