SmartFinancial, Inc. (SMBK) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Hello everyone and thank you for joining the Smart Financial fourth quarter 2025 earnings release and conference call. My name is Claire and I will 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 Straw, Director of Strategy and Corporate Development of Smart Financial to begin. Please go ahead. Thanks, Claire. Good morning, everyone, and thank you for joining us for Smart Financial's fourth quarter 2025 earnings conference call. During today's call, we will reference the slides and press release that are available in our 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 the call. Our comments include forward-looking statements These statements are subject to risks and uncertainty, 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 SEC 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, 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 January 20th, 2026 with the SEC. And now, I'll turn it...