SmartFinancial, Inc. (SMBK) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello everyone and welcome to the Smart Financial third quarter 2025 earnings release and conference call. My name is Ezra and I will be your coordinator today. If you would like to ask a question, please press star followed by one on your telephone keypad. And if you change your mind, press star followed by two. We will be taking questions at the end of the presentation. I will now hand you over to Nate Stroll, Director of Investor Relations to begin. Please go ahead. Thanks, Deza. Good morning, everyone, and thank you for joining us for Smart Financial's third quarter 2025 earnings conference 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 Gorzinski, our chief financial officer, who will provide some comments and some additional commentary. We will be available to answer your questions at the end of the call. Our comments include forward-looking statements. These statements are subject to risks and uncertainties, and the actual results could vary materially. We list the factors that might cause these results to differ materially in our press release and in our SAC filings, 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 acceptance 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 October 21st, 2025 with the SEC. And now, I'll turn it over to Billy...