    <SEC-DOCUMENT>0001140361-23-017763-index.html : 20230411
    <SEC-HEADER>0001140361-23-017763.hdr.sgml : 20230411
    <ACCEPTANCE-DATETIME>20230411160342
    ACCESSION NUMBER:		0001140361-23-017763
    CONFORMED SUBMISSION TYPE:	ARS
    PUBLIC DOCUMENT COUNT:		1
    CONFORMED PERIOD OF REPORT:	20221231
    FILED AS OF DATE:		20230411
    DATE AS OF CHANGE:		20230411
    EFFECTIVENESS DATE:		20230411

    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:		ARS
    		SEC ACT:		1934 Act
    		SEC FILE NUMBER:	001-37661
    		FILM NUMBER:		23813426

    	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>
    <DOCUMENT>
    <TYPE>ARS
    <SEQUENCE>1
    <FILENAME>ny20006839x3_ars.pdf
    <DESCRIPTION>FORM ARS
    <TEXT>
    Document 1 - file: ny20006839x3_ars.pdf

    </DOCUMENT>
    </SEC-DOCUMENT>