<SEC-DOCUMENT>0001140361-19-007531.txt : 20190424
<SEC-HEADER>0001140361-19-007531.hdr.sgml : 20190424
<ACCEPTANCE-DATETIME>20190424163400
ACCESSION NUMBER:		0001140361-19-007531
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20190423
ITEM INFORMATION:		Termination of a Material Definitive Agreement
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190424
DATE AS OF CHANGE:		20190424

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SMARTFINANCIAL INC.
		CENTRAL INDEX KEY:			0001038773
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				621173944
		STATE OF INCORPORATION:			TN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-37661
		FILM NUMBER:		19764246

	BUSINESS ADDRESS:	
		STREET 1:		5401 KINGSTON PIKE
		STREET 2:		SUITE 600
		CITY:			KNOXVILLE
		STATE:			TN
		ZIP:			37919
		BUSINESS PHONE:		866-290-2554

	MAIL ADDRESS:	
		STREET 1:		5401 KINGSTON PIKE
		STREET 2:		SUITE 600
		CITY:			KNOXVILLE
		STATE:			TN
		ZIP:			37919

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CORNERSTONE BANCSHARES INC
		DATE OF NAME CHANGE:	19980402

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EAST RIDGE BANCSHARES INC
		DATE OF NAME CHANGE:	19970507
</SEC-HEADER>
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      <div style="text-align: center; margin-left: 13.2pt; font-family: &quot;Times New Roman&quot;; font-size: 14pt; font-weight: bold;">UNITED STATES</div>
      <div style="text-align: center; font-size: 14pt;"><font style="font-family: &quot;Times New Roman&quot;; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</font></div>
      <div style="text-align: center; font-size: 12pt;"><font style="font-family: &quot;Times New Roman&quot;; font-weight: bold;">WASHINGTON, DC 20549</font></div>
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      <div style="text-align: center; margin-left: 13.2pt; font-size: 18pt;"><font style="font-family: &quot;Times New Roman&quot;; font-weight: bold;">FORM 8-K</font></div>
      <div><br>
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      <div style="text-align: center; margin-left: 13.2pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">CURRENT REPORT PURSUANT TO</font></div>
      <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">SECTION 13 OR 15(d) OF THE</font></div>
      <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">SECURITIES EXCHANGE ACT OF 1934</font></div>
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      <div style="text-align: center; margin-left: 13.2pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">Date of earliest event reported: April 23, 2019</font></div>
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      <div style="text-align: center; margin-left: 13.2pt; font-size: 24pt;"><font style="font-family: &quot;Times New Roman&quot;; font-weight: bold;">SMARTFINANCIAL, INC.</font></div>
      <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(Exact Name of Registrant as Specified in its Charter)</font></div>
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            <td style="width: 32%; vertical-align: top; border-bottom: 2px solid black;">
              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Tennessee</font></font></div>
            </td>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 32%; vertical-align: top; border-bottom: 2px solid black;">
              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><font style="font-size: 10pt; font-family: 'Times New Roman';">333-203449</font></font></div>
            </td>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 32%; vertical-align: top; border-bottom: 2px solid black;">
              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><font style="font-size: 10pt; font-family: 'Times New Roman';">62-1173944</font></font></div>
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              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(State or Other Jurisdiction of Incorporation)</font></div>
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              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(Commission File Number)</font></div>
            </td>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 32%; vertical-align: top;">
              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(IRS Employer Identification No.)</font></div>
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            <td style="width: 49%; vertical-align: bottom; border-bottom: 2px solid black;">
              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><font style="font-size: 10pt; font-family: 'Times New Roman';">5401 Kingston Pike, Suite 600</font></font></div>
              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Knoxville, Tennessee</font></font></div>
            </td>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 49%; vertical-align: bottom; border-bottom: 2px solid black;">
              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><font style="font-size: 10pt; font-family: 'Times New Roman';">37919</font></font></div>
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              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(Address of Principal Executive Offices)</font></div>
            </td>
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              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(Zip Code)</font></div>
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              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(</font><font style="font-size: 10pt; font-family: 'Times New
                    Roman';">865-453-2650)</font></font></div>
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            <td style="width: 50%; vertical-align: top;">
              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(Registrant&#8217;s telephone number, including area code<font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">)</font></font></div>
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              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><font style="font-size: 10pt; font-family: 'Times New Roman';">N/A</font></font></div>
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              <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(Former Name or Former Address, if Changed Since Last Report)</font></div>
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      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the
          following provisions (<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>see</u></font> General Instruction A.2. below):</font></div>
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                <td style="width: 18pt; vertical-align: top; align: right;">&#9744;</td>
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                  <div><font style="font-size: 10pt; font-family: 'Times New Roman';">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></div>
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                <td style="width: 18pt; vertical-align: top; align: right;">&#9744;</td>
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                  <div><font style="font-size: 10pt; font-family: 'Times New Roman';">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></div>
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                <td style="width: 18pt; vertical-align: top; align: right;">&#9744;</td>
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                  <div><font style="font-size: 10pt; font-family: 'Times New Roman';">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></div>
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                <td style="width: 18pt; vertical-align: top; align: right;">&#9744;</td>
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                  <div><font style="font-size: 10pt; font-family: 'Times New Roman';">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></div>
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      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter)
          or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</font></div>
      <div><br>
      </div>
      <div style="text-align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Emerging growth company&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">&#9744;</font></font></div>
      <div><br>
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      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or
          revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">&#9744;</font></font></div>
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                <td style="width: 72pt; vertical-align: top; align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">Item 1.02</font></td>
                <td style="width: auto; vertical-align: top; text-align: left;">
                  <div><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">Termination of a Material Definitive Agreement.</font></div>
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      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">As previously disclosed, on January 15, 2019, SmartFinancial, Inc. (&#8220;</font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">SmartFinancial</font><font style="font-size: 10pt; font-family: 'Times New Roman';">&#8221;) </font>and CT Merger Sub, Inc., a North Carolina corporation
          and direct, wholly owned subsidiary of SmartFinancial (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">Merger Sub</font>&#8221;), <font style="font-size: 10pt; font-family: 'Times New Roman';">entered
            into an Agreement and Plan of Merger (the &#8220;</font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">Merger Agreement</font><font style="font-size: 10pt; font-family: 'Times New Roman';">&#8221;)
            with Entegra Financial Corp., a North Carolina corporation</font> (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">Entegra</font>&#8221;), providing for<font style="font-size: 10pt; font-family:
            'Times New Roman';">, on the terms and subject to the conditions set forth therein, the merger of </font>Merger Sub <font style="font-size: 10pt; font-family: 'Times New Roman';">with and into Entegra (the &#8220;</font><font style="font-size:
            10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">Merger</font><font style="font-size: 10pt; font-family: 'Times New Roman';">&#8221;), with Entegra surviving the Merger (Entegra as the surviving entity of the Merger, the
            &#8220;</font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">Surviving Company</font><font style="font-size: 10pt; font-family: 'Times New Roman';">&#8221;), followed as soon as reasonably practicable
            by the merger of the Surviving Company with and into SmartFinancial, with SmartFinancial as the surviving entity, and the conversion at the effective time of the Merger of each outstanding share of </font>Entegra <font style="font-size: 10pt;
            font-family: 'Times New Roman';">common stock (other than certain excluded shares) into the right to receive 1.215 shares of SmartFinancial common stock. The description of the Merger Agreement contained in the Current Report on Form 8-K filed
            by SmartFinancial with the Securities and Exchange Commission on January 16, 2019, is incorporated herein by reference.</font></font></div>
      <div><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman';">On April 23, 2019, by written notice to SmartFinancial given in accordance with the Merger Agreement, Entegra terminated the Merger Agreement in order to
          enter into a definitive merger agreement with First Citizens BancShares, Inc., a North Carolina-based bank holding company, and its bank subsidiary, First-Citizens Bank &amp; Trust Company (collectively, &#8220;<font style="font-size: 10pt;
            font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">First Citizens</font>&#8221;). First Citizens first submitted to Entegra an unsolicited indication of interest regarding the acquisition of Entegra on March 1, 2019, and this
          acquisition proposal as subsequently amended and supplemented was ultimately found by the board of directors of Entegra to be a &#8220;Superior Proposal&#8221; (as defined in the Merger Agreement). Pursuant to the terms of the Merger Agreement,
          SmartFinancial has received a termination fee of $6.4 million, which was paid to SmartFinancial by First Citizens, on behalf of Entegra, on April 23, 2019, in connection with Entegra&#8217;s entry into the definitive merger agreement with First
          Citizens.</font></div>
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      <div style="background-color: #FFFFFF;">
        <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman';">As also previously disclosed, on January 15, 2019, <font style="background-color: #FFFFFF; font-size: 10pt; font-family: 'Times New Roman';">SmartFinancial
              and SmartBank, SmartFinancial&#8217;s wholly owned bank subsidiary, entered into employment agreements with David A. Bright (the Chief Financial Officer of Entegra) and Ryan M. Scaggs (the Chief Operating Officer of Entegra) (collectively the &#8220;</font><font style="background-color: #FFFFFF; font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">Employment Agreements</font><font style="background-color: #FFFFFF; font-size: 10pt; font-family: 'Times New Roman';">&#8221;),
              which were to be effective following the consummation of the Merger, pursuant to which Mr. Bright would serve as the Chief Financial Officer of SmartFinancial and SmartBank and Mr. Scaggs would serve as the Chief Operating Officer of
              SmartFinancial and SmartBank (a new position to be created post-Merger). </font>The description of the Employment Agreements contained in the Current Report on Form 8-K filed by SmartFinancial with the Securities and Exchange Commission on
            January 16, 2019, is incorporated herein by reference.</font></div>
        <div><br>
        </div>
        <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman';">In connection with the termination of the Merger Agreement, on April 23, 2019, SmartFinancial and <font style="background-color: #FFFFFF; font-size:
              10pt; font-family: 'Times New Roman';">SmartBank entered into a Termination of Employment Agreement with each of Mr. </font>Bright and Mr. Scaggs formally terminating the Employment Agreements. Similarly, on April 23, 2019, SmartBank entered
            into <font style="background-color: #FFFFFF; font-size: 10pt; font-family: 'Times New Roman';">a Termination of Employment Agreement with Roger D. Plemens (the President and Chief Executive Officer of Entegra) terminating the employment
              agreement executed by SmartBank and Mr. Plemens on January 15, 2019, which was to be effective&#8212;and provided for Mr. Plemens to serve as President of the Carolinas of SmartBank&#8212;following the consummation of the Merger.</font></font></div>
      </div>
      <div><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman';">The foregoing descriptions of the Merger Agreement and the Employment Agreements are not complete and are qualified in their entirety by reference to the
          full text of the Merger Agreement and the Employment Agreements, which were previously filed as Exhibit 2.1 and Exhibits 10.1 and 10.2, respectively, to the Current Report on Form 8-K filed by SmartFinancial with the Securities and Exchange
          Commission on January 16, 2019, and are incorporated herein by reference.</font></div>
      <div><br>
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                <td style="width: 72pt; vertical-align: top; align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">Item 7.01</font></td>
                <td style="width: auto; vertical-align: top; text-align: left;">
                  <div><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">Regulation FD Disclosure.</font></div>
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      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman';">On April 24, 2019, SmartFinancial issued a press release announcing the termination of the Merger Agreement. A copy of that press release is attached
          hereto as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.</font></div>
      <div><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman';">The information set forth in this Item 7.01 (including the information in Exhibit 99.1 attached hereto) is being furnished to the Securities and Exchange
          Commission and is not deemed to be &#8220;filed&#8221; for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">Exchange Act</font>&#8221;),
          or otherwise subject to liability under the Exchange Act. Such information shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as
          shall be expressly set forth by specific reference in such filing.</font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</font></div>
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                <td style="width: 72pt; vertical-align: top; align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">Item 9.01</font></td>
                <td style="width: auto; vertical-align: top; text-align: left;">
                  <div><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">Financial Statements and Exhibits.</font></div>
                </td>
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                <td style="width: 36pt; vertical-align: top; align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font></td>
                <td style="width: auto; vertical-align: top; text-align: left;">
                  <div><font style="font-size: 10pt; font-family: 'Times New Roman';">Exhibits</font></div>
                </td>
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                <td style="width: 108pt; vertical-align: top; align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exhibit No.</u></font></td>
                <td style="width: auto; vertical-align: top; text-align: left;">
                  <div><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Description of Exhibit</u></font></font></div>
                </td>
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                <td style="width: 108pt; vertical-align: top; align: right;"><a href="ex99_1.htm"><font style="font-size: 10pt; font-family: 'Times New
                      Roman';">99.1</font></a></td>
                <td style="width: auto; vertical-align: top; text-align: left;">
                  <div><font style="font-size: 10pt; font-family: 'Times New Roman';">SmartFinancial, Inc. press release dated <font style="font-size: 10pt; font-family: 'Times New Roman';">April 24, 2019</font></font></div>
                </td>
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      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">Forward-Looking Statements</font></div>
      <div><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Certain of the statements made in this report may constitute forward-looking statements within the meaning of the Private Securities Litigation Reform
          Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. The words &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;intend,&#8221; &#8220;plan,&#8221; &#8220;believe,&#8221; &#8220;seek,&#8221; and &#8220;estimate,&#8221; and similar
          expressions, are intended to identify such forward-looking statements, but other statements not based on historical information may also be considered forward-looking, including statements about the impact of the termination of the Merger
          Agreement on SmartFinancial&#8217;s future financial and operating results and plans, objectives, and intentions. All forward-looking statements are subject to risks, uncertainties, and other factors that may cause the actual results, performance, or
          achievements of SmartFinancial to differ materially from any results, performance, or achievements expressed or implied by such forward-looking statements. Such risks, uncertainties, and other factors include, among others, (1) the risk that the
          announcement of the termination of Merger Agreement could have adverse effects on the market price of SmartFinancial&#8217;s common stock; (2) the risk that the termination of the Merger Agreement or the announcement of the same could have an adverse
          effect on SmartFinancial&#8217;s business generally, including SmartFinancial&#8217;s ability to retain customers, retain or hire key personnel, or maintain relationships with customers or suppliers; (3) reputational risk from the announcement of the
          termination of the Merger Agreement; (4) the fact that SmartFinancial has incurred significant transaction costs related to the Merger Agreement and the transactions that were contemplated by the Merger Agreement; (5) the risk of litigation
          related to the termination of the Merger Agreement or the abandonment of the transactions that were contemplated by the Merger Agreement; (6) potential changes to, or the risk that SmartFinancial may not be able to execute on, SmartFinancial&#8217;s
          business strategy as a result of the termination of the Merger Agreement; (7) the risk that cost savings and revenue synergies from recently completed acquisitions may not be realized or may take longer than anticipated to realize, (8) disruption
          from recently completed acquisitions with customer, supplier, or employee relationships, and (9) general competitive, economic, political, and market conditions. Additional factors which could affect the forward-looking statements can be found in
          SmartFinancial&#8217;s annual report on Form 10-K, quarterly reports on Form 10-Q, and current reports on Form 8-K filed with the Securities and Exchange Commission (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;
            font-style: italic;">SEC</font>&#8221;) and available on the SEC&#8217;s website at http://www.sec.gov. SmartFinancial disclaims any obligation to update or revise any forward-looking statements contained in this report, which speak only as of the date
          hereof, whether as a result of new information, future events, or otherwise.</font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</font></div>
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      <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman';">SIGNATURES</font></div>
      <div><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the
          undersigned hereunto duly authorized.</font></div>
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            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 35%; vertical-align: top;" rowspan="1" colspan="2">
              <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">SMARTFINANCIAL, INC.</font></div>
            </td>
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            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 35%; vertical-align: top;">&#160;</td>
            <td style="width: 15%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Date: </font>April 24, 2019</font></div>
            </td>
            <td style="width: 35%; vertical-align: top;">&#160;</td>
            <td style="width: 15%; vertical-align: top;">&#160;</td>
          </tr>
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            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 35%; vertical-align: top; border-bottom: 2px solid black;">
              <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">/s/ William Y. Carroll Jr.</font></font></div>
            </td>
            <td style="width: 15%; vertical-align: top;">&#160;</td>
          </tr>
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            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 35%; vertical-align: top;" rowspan="1" colspan="2">
              <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">William Y. Carroll, Jr.</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 35%; vertical-align: top;" rowspan="1" colspan="2">
              <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">President and Chief Executive Officer</font></div>
            </td>
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<TEXT>
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    <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 99.1</font><br>
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    <div style="text-align: center;"><img src="logo1.jpg"> </div>
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      <div style="text-align: left;"><font style="font-weight: bold; font-family: 'Times New Roman'; font-size: 10pt;"><u>FOR IMMEDIATE RELEASE</u></font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">April 24, 2019</font></div>
      <div><br>
      </div>
      <div style="text-align: center;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">SmartFinancial, Inc. Announces Termination of Merger Agreement with Entegra Financial Corp.</font></div>
      <div><br>
      </div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">KNOXVILLE, Tenn.</font>, April 24, 2019 &#8211; SmartFinancial, Inc. (Nasdaq:
          SMBK) (&#8220;SmartFinancial&#8221;), the parent company of SmartBank, today announced that Entegra Financial Corp. (Nasdaq: ENFC) (&#8220;Entegra&#8221;) has elected to terminate effective April 23, 2019, the previously announced Agreement and Plan of Merger dated
          January 15, 2019 (the &#8220;Merger Agreement&#8221;), among SmartFinancial, Entegra, and CT Merger Sub, Inc. Entegra elected to terminate the Merger Agreement in order to enter into a definitive merger agreement with a large North Carolina-based financial
          institution that made a competing offer to acquire Entegra, an offer that SmartFinancial chose not to match.</font></div>
      <div><br>
      </div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">&#8220;As a disciplined acquirer and having already completed a number of recent successful acquisitions, we simply felt it was in the best interest of our
          shareholders to not move forward with a matching offer,&#8221; said SmartFinancial Chairman, Miller Welborn. &#8220;</font></div>
      <div><br>
      </div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Under the terms of the Merger Agreement, SmartFinancial has received a termination fee of $6.4 million.</font></div>
      <div><br>
      </div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">&#8220;As a result of the additional capital obtained from the termination fee, we feel that we are in an even better position to continue to execute our business
          plan,&#8221; added SmartFinancial&#8217;s President, Billy Carroll. &#8220;Looking ahead, we are immediately refocusing on pursuing other potential acquisitions as part of our M&amp;A strategy, further bolstering future growth and profitability of SmartFinancial.&#8221;</font></div>
      <div><br>
      </div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">SmartFinancial has a history of successfully completing acquisitions across the Southeast, including: Foothills Bank &amp; Trust (2018), Southern Community
          Bank (2018), Capstone Bank (2017), Cornerstone Community Bank (2015), and GulfSouth Private Bank (2012).</font></div>
      <div><br>
      </div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">More information about SmartFinancial can be found on its website: </font>www.smartfinancialinc.com<font style="font-size: 10pt; font-family: 'Times New Roman';">.</font></font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</font></div>
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      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">About SmartFinancial, Inc.</font></div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman';">SmartFinancial, Inc., headquartered in Knoxville, Tennessee, is the bank holding company for SmartBank, a full-service commercial bank founded in 2007
          and domiciled in Pigeon Forge, Tennessee. SmartFinancial&#8217;s common stock is traded on the Nasdaq Capital Market under the ticker symbol &#8220;SMBK.&#8221; SmartBank has 29 branch offices across Tennessee, Alabama, and the Florida Panhandle. Recruiting the
          best people, delivering exceptional client service, strategic branching and acquisitions, and a disciplined approach to lending have all contributed to SmartFinancial&#8217;s and SmartBank&#8217;s success.</font></div>
      <div><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">Investor Relations Contacts</font></div>
      <div><br>
      </div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Miller Welborn</font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Chairman</font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">SmartFinancial, Inc.</font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Email: </font><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>miller.welborn@smartbank.com</u></font></font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Phone: 865.437.5700</font></div>
      <div><br>
      </div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Billy Carroll</font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">President and Chief Executive Officer</font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">SmartFinancial, Inc.</font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Email: </font><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>billy.carroll@smartbank.com</u></font></font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Phone: 865.437.5700</font></div>
      <div><br>
      </div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">Media Contact</font></div>
      <div><br>
      </div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Kelley Fowler</font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Senior Vice President</font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Public Relations/Marketing</font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">SmartFinancial, Inc.</font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Email: </font><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>kelley.fowler@smartbank.com</u></font></font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Phone: 865.868.0611</font></div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</font></div>
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      <div><br>
      </div>
      <div style="text-align: left;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">Forward-Looking Statements</font></div>
      <div><br>
      </div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Certain of the statements made in this press release may constitute forward-looking statements within the meaning of the Private Securities Litigation
          Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. The words &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;intend,&#8221; &#8220;plan,&#8221; &#8220;believe,&#8221; &#8220;seek,&#8221; and &#8220;estimate,&#8221; and similar
          expressions, are intended to identify such forward-looking statements, but other statements not based on historical information may also be considered forward-looking, including statements about the impact of the termination of the Merger
          Agreement on SmartFinancial&#8217;s future financial and operating results and plans, objectives, and intentions. All forward-looking statements are subject to risks, uncertainties, and other factors that may cause the actual results, performance, or
          achievements of SmartFinancial to differ materially from any results, performance, or achievements expressed or implied by such forward-looking statements. Such risks, uncertainties, and other factors include, among others, (1) the risk that the
          announcement of the termination of Merger Agreement could have adverse effects on the market price of SmartFinancial&#8217;s common stock; (2) the risk that the termination of the Merger Agreement or the announcement of the same could have an adverse
          effect on our business generally, including our ability to retain customers, retain or hire key personnel, or maintain relationships with customers or suppliers; (3) reputational risk from the announcement of the termination of the Merger
          Agreement; (4) the fact that we have incurred significant transaction costs related to the Merger Agreement and the transactions that were contemplated by the Merger Agreement; (5) the risk of litigation related to the termination of the Merger
          Agreement or the abandonment of the transactions that were contemplated by the Merger Agreement; (6) potential changes to, or the risk that we may not be able to execute on, our business strategy as a result of the termination of the Merger
          Agreement; (7) the risk that cost savings and revenue synergies from recently completed acquisitions may not be realized or may take longer than anticipated to realize, (8) disruption from recently completed acquisitions with customer, supplier,
          or employee relationships, and (9) general competitive, economic, political, and market conditions. Additional factors which could affect the forward-looking statements can be found in SmartFinancial&#8217;s annual report on Form 10-K, quarterly
          reports on Form 10-Q, and current reports on Form 8-K filed with the Securities and Exchange Commission (the &#8220;SEC&#8221;) and available on the SEC&#8217;s website at http://www.sec.gov. SmartFinancial disclaims any obligation to update or revise any
          forward-looking statements contained in this press release, which speak only as of the date hereof, whether as a result of new information, future events, or otherwise.</font></div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman';"> <br>
        </font></div>
      <div style="text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman';"> <br>
        </font></div>
      <div style="text-align: justify;">
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
