SmartFinancial, Inc. (SMBK) Q1 2025 Earnings Call Transcript

2025-04-22 15:18:58 ET

SmartFinancial, Inc. (SMBK)

Q1 2025 Earnings Conference Call

April 22, 2025, 10:00 AM ET

Company Participants

Nathan Strall - Vice President and Director of Strategy & Corporate Development

Billy Carroll - President and Chief Executive Officer

Ron Gorczynski - Executive Vice President and Chief Financial Officer

Rhett Jordan - Executive Vice President, Chief Credit Officer

Miller Welborn - Chairman

Conference Call Participants

Stephen Scouten - Piper Sandler

Catherine Mealor - KBW

Russell Gunther - Stephens

Brett Rabatin - Hovde Group

Steve Moss - Raymond James

Christopher Marinac - Janney Montgomery Scott

Presentation

Operator

Hello everyone, and welcome to the SmartFinancial First Quarter 2025 Earnings Release and Conference Call. My name is Ezra and I will be your coordinator today. [Operator Instructions]

I will now hand you over to Nathan Strall, Director of Investor Relations to begin. Nathan, please go ahead.

Nathan Strall

Thank you, Ezra. Good morning, everyone and thank you for joining us for SmartFinancial's first 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 Gorczynski, our Chief Financial Officer, who will provide some additional commentary. We will be able 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 these 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 development, 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 Investors presentation filed on April 21st, 2025 with the SEC.

And now, I'll turn it over to Billy Carroll to open our call.

Billy Carroll

Thanks, Nate, and good morning, everyone. Great to be with you and thank you for joining us today and for your interest in SMBK....

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