SmartFinancial, Inc. (SMBK) Q4 2024 Earnings Conference Call Transcript

2025-01-22 22:08:01 ET

SmartFinancial, Inc. (SMBK)

Q4 2024 Earnings Conference Call

January 22, 2025 10:00 PM ET

Company Participants

Nathan Strall - Director of Strategy

Billy Carroll - President and CEO

Ronald Gorczynski - CFO

Rhett Jordan - EVP, Chief Credit Officer

Miller Welborn - Chairman

Conference Call Participants

Will Jones - KBW

Nick Lorenzoni - Stephens

Steve Moss - Raymond James

Stephen Scouten - Piper Sandler

Christopher Marinac - Janney Montgomery Scott

Presentation

Operator

Hello everyone, and welcome to the SmartFinancial Fourth Quarter 2024 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 Nate Strall, Director of Investor Relations to begin. Please go ahead.

Nathan Strall

Good morning, everyone and thank you for joining us for SmartFinancial's fourth quarter 2024 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 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 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 January 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. I'll open our call today with some commentary and hand it over to Ron to walk through some numbers in greater detail. After our prepared comments, we'll open it up with Ron, Nate, Rhett, Miller, and myself available for Q&A....

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