SmartFinancial, Inc. (SMBK) Q2 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello everyone. Thank you for joining us and welcome to the Smart Financial second quarter 2026 earnings release and conference call. After today's prepared remarks, we will host a question and answer session. If you would like to ask a question, please press star 1 to raise your hand. To withdraw your question, press star 1 again. I will now hand over to Nate Strall, Director of Investor Relations, to begin. Please go ahead. Thanks, Erica. Good morning, everyone, and thank you for joining us for Smart Financial's second quarter 2026 earnings webcast and conference call. During today's call, we will reference the slides and earnings released available in the Investor Relations section of our website at smartbank.com. Billy Carroll, our President and Chief Executive Officer, will begin the call, followed by Ron Gorczynski, our Chief Financial Officer, who will provide additional commentary. We will be available after the call to answer your questions. Our comments today include forward-looking statements. These statements are subject to risks and uncertainties, and actual results may differ materially. Factors that could cause these actual results to differ materially are described in our earnings release and SEC filings, which are available on our website. We undertake no obligation to update any forward-looking statements as a result of new information, future developments, or otherwise, except as required by law. During today's call, we may reference non-GAAP financial measures related to the company's performance. Reconciliations of these measures to the most directly comparable GAAP measures are included in the appendices to the earnings relief and investor presentation filed with the SEC on July 20, 2026. And now, I'll turn it over to Billy Carroll. Thanks, Nate...