<SEC-DOCUMENT>0001558370-25-008139.txt : 20250523
<SEC-HEADER>0001558370-25-008139.hdr.sgml : 20250523
<ACCEPTANCE-DATETIME>20250523170100
ACCESSION NUMBER:		0001558370-25-008139
CONFORMED SUBMISSION TYPE:	S-8
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20250523
DATE AS OF CHANGE:		20250523
EFFECTIVENESS DATE:		20250523

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SMARTFINANCIAL INC.
		CENTRAL INDEX KEY:			0001038773
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		EIN:				621173944
		STATE OF INCORPORATION:			TN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-8
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-287571
		FILM NUMBER:		25983250

	BUSINESS ADDRESS:	
		STREET 1:		5401 KINGSTON PIKE
		STREET 2:		SUITE 600
		CITY:			KNOXVILLE
		STATE:			TN
		ZIP:			37919
		BUSINESS PHONE:		865-437-5700

	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>S-8
<SEQUENCE>1
<FILENAME>smbk-20250523xs8.htm
<DESCRIPTION>S-8
<TEXT>
<!--Enhanced HTML document created with Toppan Merrill Bridge  10.10.0.134--><!--Created on: 5/23/2025 02:55:19 PM (UTC)--><html><head><meta charset="UTF-8"><title></title></head><body><div style="margin-top:30pt;"></div><div style="max-width:100%;padding-left:8.82%;padding-right:8.82%;position:relative;"><div style="margin-top:21.6pt;min-height:14.4pt;width:100%;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:9pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">As filed with the Securities and Exchange Commission on May 23, 2025</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:0pt;margin-left:0pt;margin-top:0pt;overflow:hidden;position:relative;"><font style="display:block;height:1px;left:0pt;position:absolute;width:100%;z-index:0;">&#8204;</font><font style="float:right;padding-left:2.0pt;position:relative;text-indent:0pt;z-index:1;background:white;"><b style="font-family:'Times New Roman','Times','serif';font-size:9pt;font-style:normal;font-weight:bold;">File No. 333-________</b></font></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt;"><a name="_Hlk90278443"></a><font style="font-family:'Times New Roman','Times','serif';">________________________________________________________________________________</font><font style="font-family:'Times New Roman','Times','serif';"><br></font><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">UNITED STATES</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">SECURITIES AND EXCHANGE COMMISSION</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman Bold';font-weight:bold;">Washington, D.C. 20549</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">_______________________________________</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">FORM S-8</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">&#160;</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">_______________________________________&#160;</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font><a name="FIS_UNIDENTIFIED_TABLE"></a></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">SMARTFINANCIAL, INC.</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">(Exact name of registrant as specified in its charter)</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><div align="left"><table style="border-collapse:collapse;font-size:16pt;height:max-content;width:95%;"><tr style="height:1pt;"><td style="vertical-align:top;width:52.63%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:top;width:47.36%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt -35.25pt 0pt 8.25pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-left:0pt;margin-right:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td></tr><tr><td style="vertical-align:top;width:52.63%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Tennessee</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">(State or other jurisdiction of incorporation or organization)</font></p></td><td style="vertical-align:top;width:47.36%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 8.25pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">62-1173944 </b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt -35.25pt 0pt 8.25pt;"><font style="font-family:'Times New Roman','Times','serif';">(I.R.S Employer Identification No.)</font></p></td></tr><tr><td style="vertical-align:top;width:52.63%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-weight:bold;visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:47.36%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 8.25pt;"><font style="font-family:'Times New Roman','Times','serif';font-weight:bold;margin-left:0pt;visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:middle;width:52.63%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;background:#ffffff;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;background:#ffffff;margin:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">5401 Kingston Pike, Suite 600</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;background:#ffffff;margin:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Knoxville, Tennessee</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">(Address of Principal Executive Offices)</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-weight:bold;visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:middle;width:47.36%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;background:#ffffff;margin:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">37919</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 8.25pt;"><font style="font-family:'Times New Roman','Times','serif';">(Zip Code)</font></p></td></tr></table></div><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">SmartFinancial, Inc. Omnibus Incentive Plan </b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">(Full title of the plan)</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">______________________</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">William (Billy) Y. Carroll, Jr.</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">President &amp; Chief Executive Officer</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">SmartFinancial, Inc.</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">5401 Kingston Pike, Suite 600 </b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Knoxville, Tennessee 37919 </b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;white-space:pre-wrap;">Tel: (865) 437-5700  </b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">(Name, address, and telephone number, including area code, of agent for service)</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><i style="font-family:'Times New Roman','Times','serif';font-style:italic;">With a copy of all communications to:</i></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-style:italic;font-weight:bold;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Mark C. Kanaly </b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Alston&#160;&amp; Bird LLP</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">One Atlantic Center</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">1201 W Peachtree St NE #4900 </b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Atlanta, GA 30309</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Tel: (404)&#160;881-7000</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:0.05pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:0.05pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">______________________</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;text-indent:0pt;margin:6pt 0pt 12pt 0pt;"><font style="font-size:12pt;"><a name="FIS_REGISTRATION_FEE"></a><a name="FIS_UNIDENTIFIED_TABLE_2"></a></font>Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Exchange Act.</p><div style="padding-left:0.9pt;" align="left"><table style="border-collapse:collapse;font-size:16pt;height:max-content;width:95.53%;"><tr><td style="vertical-align:top;width:64.67%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;text-indent:0pt;margin:0pt;">Large accelerated filer<font style="display:inline-block;width:9.07pt;"></font><font style="font-family:'Times New Roman';">&#9723;</font></p></td><td style="vertical-align:top;width:35.32%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;text-indent:0pt;margin:0pt;">Accelerated filer<font style="display:inline-block;width:5.11pt;"></font><font style="font-family:'Times New Roman';">&#8999;</font></p></td></tr><tr><td style="vertical-align:top;width:64.67%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;text-indent:0pt;margin:0pt;">Non-accelerated filer&#160;<font style="white-space:pre-wrap;">   </font><font style="font-family:'Times New Roman';">&#9723;</font><font style="font-family:'Wingdings';"> </font></p></td><td style="vertical-align:top;width:35.32%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;text-indent:0pt;margin:0pt;">Smaller reporting company&#160;<font style="font-family:'Times New Roman';">&#9723;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;text-indent:0pt;margin:0pt;">Emerging growth company <font style="font-family:'Times New Roman';">&#9723;</font> </p></td></tr></table></div><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;text-indent:0pt;margin:6pt 0pt 12pt 0pt;">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 7(a)(2)(B) of the Securities Act.<font style="display:inline-block;width:13.13pt;"></font><font style="font-family:'Times New Roman';">&#9723;</font></p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:8.82%;margin-right:8.82%;margin-top:30pt;page-break-after:always;width:82.35%;border-width:0;"><div style="max-width:100%;padding-left:8.82%;padding-right:8.82%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-weight:bold;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">EXPLANATORY NOTE</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">SmartFinancial, Inc. (the &#8220;Company&#8221; or the &#8220;Registrant&#8221;) has filed this Registration Statement on Form S-8 (this &#8220;Registration Statement&#8221;) with the Securities and Exchange Commission (the &#8220;Commission&#8221;) under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;), to register (i) 1,690,000 shares of the Company&#8217;s common stock, par value $1.00 per share (&#8220;Common Stock&#8221;), that may be issued under the SmartFinancial, Inc. Omnibus Incentive Plan, as amended from time to time (the &#8220;Plan&#8221;); and (ii) such additional shares that may become issuable in accordance with the adjustment and anti-dilution provisions of the Plan.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;visibility:hidden;">&#8203;</font></p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:8.82%;margin-right:8.82%;margin-top:30pt;page-break-after:always;width:82.35%;border-width:0;"><div style="max-width:100%;padding-left:8.82%;padding-right:8.82%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">PART I</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;text-align:justify;margin:0pt;"><b style="font-weight:bold;">Items 1 and 2. Plan Information; Registrant Information and Employee Plan Annual Information.</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="display:inline-block;text-align:left;text-indent:0pt;width:36pt;"><font style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;font-style:normal;font-weight:normal;"><a name="FIS_PLAN_INFORMATION"></a><a name="FIS_REGISTRANT_INFORMATION"></a><a name="FIS_PART_II"></a></font><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;">(a)</font></font><font style="font-family:'Times New Roman','Times','serif';">The documents containing the information specified in Part I of Form S-8 will be delivered to participants in the Plan as specified by Rule 428(b)(1) under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;). In accordance with the instructions of Part I of Form&#160;S-8,&#160;such documents are not being filed with the Securities and Exchange Commission (the &#8220;SEC&#8221;) either as part of this Registration Statement or as prospectuses or prospectus supplements pursuant to Rule 424 of the Securities Act.&#160;These documents and the documents incorporated by reference in this Registration Statement pursuant to Item 3 of Part II of Form S-8, taken together, constitute a prospectus that meets the requirements of Section 10(a) of the Securities Act.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="display:inline-block;text-align:left;text-indent:0pt;width:36pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;">(b)</font></font><font style="font-family:'Times New Roman','Times','serif';">Upon written or oral request, we will provide, without charge, the documents incorporated by reference in Item 3 of Part II of this Registration Statement. The documents are incorporated by reference in the Section 10(a) prospectus. We will also provide, without charge, upon written or oral request, other documents required to be delivered to participants pursuant to Rule 428(b). Requests for the above-mentioned information should be directed to Ronald J. Gorczynski, Executive Vice President and Chief Financial Officer, at the address and telephone number on the cover of this Registration Statement.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">PART II</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font><font style="font-size:11pt;"><a name="FIS_DOCUMENTS_BY_REFERENCE"></a></font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;">Item 3.</b></font><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Incorporation of Documents by Reference.</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">The SEC allows us to &#8220;incorporate by reference&#8221; into this Registration Statement information we file with the SEC in other documents. This means that we can disclose important information to you by referring to another document we have filed with the SEC. The information relating to us contained in this Registration Statement should be read together with the information in the documents incorporated by reference.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;background:#ffffff;margin:12pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">We incorporate by reference, as of their respective dates of filing, the documents listed below (excluding any portions of such documents that have been &#8220;furnished&#8221; but not &#8220;filed&#8221; for purposes of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;)):</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;text-align:justify;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman','Times','serif';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;">our </font><a style="font-family:&quot;'Times New Roman','Times','serif'&quot;;font-size:10pt;" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001038773/000155837025003135/smbk-20241231x10k.htm"><font style="font-family:'Times New Roman','Times','serif';font-style:normal;font-weight:normal;">Annual Report on Form 10-K for the fiscal year ended December 31, 2024</font></a><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;">, filed with the SEC on March 17, 2025;</font></td></tr></table><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;text-indent:0pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;background:#ffff00;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;text-align:justify;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman','Times','serif';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;font-style:normal;font-weight:normal;"><a name="eolPage3"></a></font><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;">our </font><a style="font-family:&quot;'Times New Roman','Times','serif'&quot;;font-size:10pt;" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001038773/000155837025007419/smbk-20250331x10q.htm"><font style="font-family:'Times New Roman','Times','serif';font-style:normal;font-weight:normal;">Quarterly Report on Form 10-Q for the quarter ended March 31, 2025</font></a><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;">, filed with the SEC on May 12, 2025;</font></td></tr></table><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;text-indent:0pt;margin:0pt 0pt 0pt 36pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;text-align:justify;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman','Times','serif';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;">our Current Reports on Form 8-K filed with the SEC on </font><a style="font-family:&quot;'Times New Roman','Times','serif'&quot;;font-size:10pt;" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001038773/000155837025000410/smbk-20250121x8k.htm"><font style="font-family:'Times New Roman','Times','serif';font-style:normal;font-weight:normal;">January 24, 2025</font></a><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;">, </font><a style="font-family:&quot;'Times New Roman','Times','serif'&quot;;font-size:10pt;" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001038773/000155837025003844/smbk-20250327x8k.htm"><font style="font-family:'Times New Roman','Times','serif';font-style:normal;font-weight:normal;">March 27, 2025</font></a><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;">, </font><a style="font-family:&quot;'Times New Roman','Times','serif'&quot;;font-size:10pt;" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001038773/000155837025006118/smbk-20250501x8k.htm"><font style="font-family:'Times New Roman','Times','serif';font-style:normal;font-weight:normal;">May 1, 2025</font></a><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;">, and </font><a style="font-family:&quot;'Times New Roman','Times','serif'&quot;;font-size:10pt;" href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001038773/000155837025008113/smbk-20250522x8k.htm"><font style="font-family:'Times New Roman','Times','serif';font-style:normal;font-weight:normal;">May 22, 2025</font></a><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;">; </font></td></tr></table><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;text-indent:0pt;margin:0pt 0pt 0pt 36pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;text-align:justify;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman','Times','serif';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;">the description of our common stock contained in </font><a style="font-family:&quot;'Times New Roman','Times','serif'&quot;;font-size:10pt;" href="https://www.sec.gov/Archives/edgar/data/1038773/000155837025003135/smbk-20241231xex4d1.htm"><font style="font-family:'Times New Roman','Times','serif';font-style:normal;font-weight:normal;">Exhibit 4.1 to our Annual Report on Form 10-K for the fiscal year ended December 31, 2024</font></a><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;">, including any amendment or report filed with the SEC for purposes of updating such description; and</font></td></tr></table><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;text-indent:0pt;margin:0pt 0pt 0pt 36pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;margin-left:0pt;visibility:hidden;">&#8203;</font></p><table border="0" cellpadding="0" cellspacing="0" style="border-collapse:collapse;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;table-layout:fixed;text-align:justify;width:100%;border:0pt;"><tr><td style="width:18pt;"></td><td style="font-family:'Times New Roman','Times','serif';font-size:10pt;vertical-align:text-top;white-space:nowrap;width:18pt;padding:0pt;">&#9679;</td><td style="padding:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:normal;">all documents filed by us with the SEC pursuant to Sections 13(a) or 15(d) of the Exchange Act prior to the filing of a post-effective amendment to this Registration Statement that indicates that all securities offered have been sold or that deregisters all securities that remain unsold.</font></td></tr></table><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;padding-left:33.6pt;text-align:justify;text-indent:-33.6pt;margin:0pt 0pt 0pt 38.4pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Any statement contained in a document incorporated or deemed incorporated herein by reference shall be deemed to be modified or superseded for the purpose of this Registration Statement to the extent that a statement contained herein or in any subsequently filed document which also is, or is deemed to be, incorporated herein by reference modifies or supersedes such statement. Any such information so modified or superseded shall not be deemed, except as so modified or superseded, to constitute part of this Registration Statement.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font><font style="font-size:11pt;"><a name="FIS_SECURITIES_DESCRIPTION"></a></font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0pt 0pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;">Item 4.</b></font><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Description of Securities.</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">&#160;</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-indent:36pt;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font><font style="font-size:11pt;"><a name="FIS_EXPERTS"></a></font><font style="font-family:'Times New Roman','Times','serif';">Not applicable.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0pt 0pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;">Item 5.</b></font><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Interests of Named Experts and Counsel.</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-indent:36pt;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">Not applicable.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font><font style="font-size:11pt;"><a name="FIS_INDEMNIFICATION"></a></font></p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:8.82%;margin-right:8.82%;margin-top:30pt;page-break-after:always;width:82.35%;border-width:0;"><div style="max-width:100%;padding-left:8.82%;padding-right:8.82%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;">Item 6.</b></font><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Indemnification of Directors and Officers.</b><font style="font-family:'Times New Roman','Times','serif';">&#160;</font><font style="font-size:11pt;"><a name="FIS_EXEMPTION_FROM_REGISTRATION"></a></font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">The Tennessee Business Corporation Act (&#8220;TBCA&#8221;) provides that a corporation may indemnify any of its directors and officers against liability incurred in connection with a proceeding if: (a) such person acted in good faith; (b) in the case of conduct in an official capacity with the corporation, the person reasonably believed such conduct was in the corporation&#8217;s best interests; (c) in all other cases, the person reasonably believed that the person&#8217;s conduct was at least not opposed to the best interests of the corporation; and (d) in connection with any criminal proceeding, such person had no reasonable cause to believe the person&#8217;s conduct was unlawful. In actions brought by or in the right of the corporation, however, the TBCA provides that no indemnification may be made if the director or officer was adjudged to be liable to the corporation. The TBCA also provides that in connection with any proceeding charging improper personal benefit to an officer or director, no indemnification may be made if such officer or director is adjudged liable on the basis that such personal benefit was improperly received. In cases where the director or officer is wholly successful, on the merits or otherwise, in the defense of any proceeding instigated because of his or her status as a director or officer of a corporation, the TBCA mandates that the corporation indemnify the director or officer against reasonable expenses incurred in the proceeding. The TBCA provides that a court of competent jurisdiction, unless the corporation&#8217;s charter provides otherwise, upon application, may order that an officer or director be indemnified for reasonable expenses if, in consideration of all relevant circumstances, the court determines that such individual is fairly and reasonably entitled to indemnification, notwithstanding the fact that (a) such officer or director was adjudged liable to the corporation in a proceeding by or in the right of the corporation; (b) such officer or director was adjudged liable on the basis that personal benefit was improperly received by the officer or director; or (c) such officer or director breached the officer&#8217;s or director&#8217;s duty of care to the corporation.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">The Company&#8217;s second amended and restated charter contains a provision stating that directors shall not be personally liable for monetary damage to the corporation or its shareholders for breach of fiduciary duty as a director, except to the extent required by the Tennessee Business Corporation Act in effect from time to time.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Under the Company&#8217;s second amended and restated bylaws, each person who was or is made a party to, or is threatened to be made a party to or is otherwise involved in, any proceeding, by reason of the fact that he or she is or was a director or officer of the Company or is or was serving at the request of the Company as a director, officer, or employee of another corporation or of a partnership, joint venture, trust, or other enterprise, including service with respect to employee benefit plans, provided that the basis of such proceeding is alleged action in an official capacity as a director, officer, or employee within the scope of such indemnitee&#8217;s duties and authority, shall be indemnified and held harmless by the Company to the fullest extent authorized by the TBCA, as the same now exists or may hereafter be amended (but, in the case of any such amendment, only to the extent that such amendment permits the Company to provide broader indemnification rights than such law permitted the Company prior to such amendment), and applicable federal laws and regulations (including without limitation applicable FDIC regulations regarding indemnification payments by a depository institution holding company, as the same may be amended from time to time), against all expense, liability, and loss (including without limitation attorneys&#8217; fees, judgments, fines, excise taxes, penalties, and amounts paid into settlement) reasonably incurred or suffered by such indemnitee in connection therewith, and such indemnification shall continue as to an indemnitee who has ceased to be a director, officer, or employee and shall inure to the benefit of the indemnitee&#8217; s heirs, executors, and administrators.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Notwithstanding the foregoing, the Company shall indemnify an indemnitee with respect to a proceeding initiated or instituted by the indemnitee only if such proceeding (or part thereof) was authorized by the board of directors.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">The right to indemnification conferred by the Company is a contract right and shall include the right to be paid by the Company the expenses incurred in defending any such proceeding in advance of its final disposition; provided, however, that any such advancement of expenses for expenses incurred by an indemnitee in his or her capacity as a director, officer, or employee (and not in any other capacity in which service was or is rendered by such indemnitee, including without limitation service to any employee benefit plan) shall be made only upon delivery to the Company of an undertaking by and on behalf of such indemnitee to repay all amounts so advanced if it shall ultimately be determined by final judicial decision from which there is no further right of appeal that such indemnitee is not 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Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Insofar as indemnification for liabilities arising under the Securities Act may be permitted to directors, officers, and controlling persons of the Company pursuant to its bylaws, or otherwise, the Company has been advised that, in the opinion of the SEC, such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">The Company carries standard directors&#8217; and officers&#8217; liability insurance covering its directors and officers.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.37;padding-bottom:10pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:8.82%;margin-right:8.82%;margin-top:30pt;page-break-after:always;width:82.35%;border-width:0;"><div style="max-width:100%;padding-left:8.82%;padding-right:8.82%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;background:#ffffff;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;">Item 7.</b></font><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Exemption From Registration Claimed.&#160;</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-indent:36pt;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-indent:36pt;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">Not applicable.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">&#160;</b><font style="font-size:11pt;"><a name="FIS_EXHIBITS"></a></font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0pt 0pt;"><font style="display:inline-block;text-indent:0pt;width:36pt;"><b style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-style:normal;font-weight:bold;">Item 8.</b></font><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Exhibits.</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;font-weight:bold;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><div style="padding-left:0.9pt;" align="left"><table style="border-collapse:collapse;font-size:16pt;height:max-content;width:106.25%;"><tr style="height:1pt;"><td style="vertical-align:top;width:23.52%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><a name="eolPage5"></a><a name="FIS_UNDERTAKINGS"></a><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:top;width:76.47%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td></tr><tr><td style="vertical-align:top;width:23.52%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;text-decoration-color:#000000;text-decoration-line:underline;text-decoration-style:solid;">Exhibit Number</b></p></td><td style="vertical-align:top;width:76.47%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0.05pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;text-decoration-color:#000000;text-decoration-line:underline;text-decoration-style:solid;">Description</b></p></td></tr><tr><td style="vertical-align:top;width:23.52%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">4.1</font></p></td><td style="vertical-align:top;width:76.47%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;margin:0.05pt 0pt 0pt 0pt;"><a style="font-family:&quot;'Times New Roman','Times','serif'&quot;;font-size:10pt;" href="https://www.sec.gov/Archives/edgar/data/1038773/000114420415053466/v419670_ex3-3.htm"><font style="font-family:'Times New Roman','Times','serif';font-style:normal;font-weight:normal;">Second Amended and Restated Charter of SmartFinancial, Inc., which is incorporated herein by reference to Exhibit 3.3 to the Company&#8217;s Current Report on Form 8-K filed on September 2, 2015.</font></a></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:top;width:23.52%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">4.2</font></p></td><td style="vertical-align:top;width:76.47%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;margin:0.05pt 0pt 0pt 0pt;"><a name="_Hlk198043761"></a><a style="font-family:&quot;'Times New Roman','Times','serif'&quot;;font-size:10pt;" href="https://www.sec.gov/Archives/edgar/data/1038773/000114420415060705/v422748_ex3-1.htm"><font style="font-family:'Times New Roman','Times','serif';font-style:normal;font-weight:normal;">Second Amended and Restated Bylaws of SmartFinancial, Inc. which is incorporated herein by reference to Exhibit 3.1 to the Company&#8217;s Current Report on Form 8-K filed on October 26, 2015.</font></a></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:top;width:23.52%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">5.1*</font></p></td><td style="vertical-align:top;width:76.47%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;text-align:justify;margin:0.05pt 0pt 0pt 0pt;"><a style="font-family:&quot;'Times New Roman','Times','serif'&quot;;" href="smbk-20250523xex5d1.htm"><font style="font-family:'Times New Roman','Times','serif';font-style:normal;font-weight:normal;">Opinion of Alston &amp; Bird LLP.</font></a><sup style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;vertical-align:top;"> </sup></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:top;width:23.52%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">23.1*</font></p></td><td style="vertical-align:top;width:76.47%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;margin:0.05pt 0pt 0pt 0pt;"><a style="font-family:&quot;'Times New Roman','Times','serif'&quot;;" href="smbk-20250523xex23d1.htm"><font style="font-family:'Times New Roman','Times','serif';font-style:normal;font-weight:normal;">Consent of Forvis Mazars, LLP.</font></a><font style="font-family:'Times New Roman','Times','serif';"> </font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:top;width:23.52%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0.05pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">23.2*</font></p></td><td style="vertical-align:top;width:76.47%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;margin:0.05pt 0pt 0pt 0pt;"><a style="font-family:&quot;'Times New Roman','Times','serif'&quot;;font-size:10pt;" href="smbk-20250523xex5d1.htm"><font style="font-family:'Times New 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style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-indent:36pt;margin:0pt 0pt 0pt 144pt;"><font style="font-family:'Times New Roman','Times','serif';">By: </font><font style="display:inline-block;width:19.05pt;"></font><font style="display:inline-block;width:36pt;"></font><u style="font-family:'Times New Roman','Times','serif';text-decoration-color:#000000;text-decoration-line:underline;text-decoration-style:solid;">/s/ William (Billy) Y. Carroll, Jr.</u><u style="font-family:'Times New Roman','Times','serif';text-decoration-color:#000000;text-decoration-line:underline;text-decoration-style:solid;"><u style="display:inline-block;overflow:hidden;position:relative;text-align:justify;text-align-last:justify;text-decoration:underline;text-indent:0pt;vertical-align:bottom;white-space:normal;width:12.35pt;">&#8203; &#8203;<font style="display:inline-block;height:0pt;width:100%;"></font></u> </u></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 144pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font><font style="display:inline-block;width:33.5pt;"></font><font style="display:inline-block;width:36pt;"></font><font style="font-family:'Times New Roman','Times','serif';">Name:</font><font style="display:inline-block;width:9.34pt;"></font><font style="font-family:'Times New Roman','Times','serif';">William (Billy) Y. Carroll, Jr</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 0pt 0pt 216pt;"><font style="font-family:'Times New Roman','Times','serif';">Title:</font><font style="display:inline-block;width:14.34pt;"></font><font style="font-family:'Times New Roman','Times','serif';">President and Chief Executive Officer </font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.37;text-align:center;margin:0pt 0pt 12pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">POWER OF ATTORNEY</b></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">KNOW ALL BY THESE PRESENTS,</font><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;"> </b><font style="font-family:'Times New Roman','Times','serif';">that the individuals whose signatures appear below constitute and appoint William (Billy) Y. Carroll, Jr. and Ronald J. Gorczynski, and each of them, his or her true and lawful attorney-in-fact and agent with full and several power of substitution, for him or her and in his or her name, place and stead, in any and all capacities, to sign any and all amendments (including pre-effective and post-effective amendments) to this Registration Statement, and to file the same, with all exhibits thereto, and all documents in connection therewith, with the Securities and Exchange Commission, granting unto said attorney-in-fact and agent full power and several power of authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as he or she might or could do in person, hereby ratifying and confirming that said attorney-in-fact and agent or their substitutes, may lawfully do or cause to be done by virtue hereof. </font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Pursuant to the requirements of the Securities Act, this registration statement and Power of Attorney have been signed by the following persons in the capacities indicated on May 23, 2025.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;background:#ffffff;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font><font style="font-size:11pt;"><a name="eolPage9"></a><a name="FIS_EXHIBIT_INDEX"></a><a name="A05_5961_1EX5D1_HTM"></a><a name="FIS_EXHIBIT_5"></a><a name="FIS_EXHIBIT_23"></a><a name="FIS_EXPERTS_CONSENT"></a></font></p><div align="left"><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><font style="font-size:1pt;visibility:hidden;">&#8203;</font></p></div></div></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Signature</b></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Title</b></p></td></tr><tr style="height:12pt;"><td style="vertical-align:middle;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td><td colspan="2" style="vertical-align:middle;width:52.67%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;border-bottom:1px solid #000000;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">/s/ William (Billy) Y. Carroll, Jr.</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">President and Chief Executive Officer </font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">and Director&#160;&#160;&#160;&#160;&#160;&#160;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';white-space:pre-wrap;"> (Principal Executive Officer)</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">William (Billy) Y. Carroll, Jr.</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr style="height:12pt;"><td style="vertical-align:middle;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><a name="_Hlk198041960"></a><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td><td colspan="2" style="vertical-align:middle;width:52.67%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:bottom;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;border-bottom:1px solid #000000;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">/s/ Ronald J. Gorczynski</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Executive Vice President, Chief Financial Officer </font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">(Principal Financial and Accounting Officer)</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Ronald (Ron) J. 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(Miller) Welborn</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Chairman of the Board of Directors</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Wesley M. (Miller) Welborn</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr style="height:12pt;"><td style="vertical-align:middle;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td><td colspan="2" style="vertical-align:middle;width:52.67%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="border-bottom-style:none;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;padding-bottom:0pt;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;border-bottom:1px solid #000000;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">/s/ William (Bill) Y. 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Ackerman</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Director</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Cathy E. Ackermann</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr style="height:12pt;"><td style="vertical-align:middle;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td><td colspan="2" style="vertical-align:middle;width:52.67%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="border-bottom-style:none;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;padding-bottom:0pt;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;border-bottom:1px solid #000000;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">/s/ Victor L. Barrett</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Director</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Victor L. Barrett</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr style="height:12pt;"><td style="vertical-align:middle;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td><td colspan="2" style="vertical-align:middle;width:52.67%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="border-bottom-style:none;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;padding-bottom:0pt;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;border-bottom:1px solid #000000;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">/s/ David A. Ogle</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Director</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">David A. Ogle</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr style="height:12pt;"><td style="vertical-align:middle;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td><td colspan="2" style="vertical-align:middle;width:52.67%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr></table></div></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:8.82%;margin-right:8.82%;margin-top:30pt;page-break-after:always;width:82.35%;border-width:0;"><div style="max-width:100%;padding-left:8.82%;padding-right:8.82%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><div align="left"><table style="border-collapse:collapse;font-size:16pt;height:max-content;padding-left:0pt;padding-right:0pt;width:100%;"><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="border-bottom-style:none;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;padding-bottom:0pt;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;border-bottom:1px solid #000000;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">/s/ Kelli D. Shomaker</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Director</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Kelli D. Shomaker</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr style="height:12pt;"><td style="vertical-align:middle;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td><td colspan="2" style="vertical-align:middle;width:52.67%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="border-bottom-style:none;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;padding-bottom:0pt;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;border-bottom:1px solid #000000;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">/s/ Steven B. Tucker</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Director</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Steven B. Tucker</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr style="height:12pt;"><td style="vertical-align:middle;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td><td colspan="2" style="vertical-align:middle;width:52.67%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="border-bottom-style:none;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;padding-bottom:0pt;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;border-bottom:1px solid #000000;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">/s/ Keith E. Whaley</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Director</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Keith E. Whaley, O.D.</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr style="height:12pt;"><td style="vertical-align:middle;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td><td colspan="2" style="vertical-align:middle;width:52.67%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="border-bottom-style:none;font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;padding-bottom:0pt;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;border-bottom:1px solid #000000;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">/s/ Goffrey A. Wolpert</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Director</font></p></td></tr><tr><td style="vertical-align:top;width:47.32%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Geoffrey A. Wolpert</font></p></td><td style="vertical-align:bottom;width:1.77%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;</font></p></td><td style="vertical-align:top;width:50.9%;margin:0pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p></td></tr></table></div><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.37;margin:0pt 0pt 10pt 0pt;"><font style="visibility:hidden;">&#8203;</font></p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-left:8.82%;margin-right:8.82%;margin-top:30pt;page-break-after:avoid;width:82.35%;border-width:0;"></body></html>
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<DESCRIPTION>EX-5.1
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<!--Enhanced HTML document created with Toppan Merrill Bridge  10.10.0.134--><!--Created on: 5/23/2025 02:55:19 PM (UTC)--><html><head><meta charset="UTF-8"><title></title></head><body><div style="margin-top:30pt;"></div><div style="max-width:100%;padding-left:11.76%;padding-right:11.76%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Aptos';font-size:11pt;line-height:1.37;text-align:right;margin:0pt 0pt 10pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">Exhibit 5.1</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:11pt;line-height:1.19;text-align:center;margin:0pt 0pt 24pt 0pt;"><font style="font-size:12pt;"><a name="_Hlk109794938"></a></font>May 23, 2025</p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:12pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">SmartFinancial, Inc.</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">5401 Kingston Pike, Suite 600</font><font style="font-family:'Times New Roman','Times','serif';"><br></font><font style="font-family:'Times New Roman','Times','serif';">Knoxville, Tennessee 37919</font></p><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin:12pt 0pt 12pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">Ladies and Gentlemen:</font></p><table border="0" cellpadding="0" cellspacing="0"><tr><td style="vertical-align:text-top;white-space:nowrap;width:36pt;padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Re:</b></p></td><td style="padding:0pt;"><p style="font-family:'Calibri','Helvetica','sans-serif';font-size:11pt;line-height:1.19;margin-bottom:0pt;margin-top:0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Registration Statement on Form S-8 &#8211; SmartFinancial, Inc. Omnibus Incentive Plan</b></p></td></tr></table><p style="font-family:'Times New Roman','Times','serif';font-size:11pt;min-height:12.0pt;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">We have acted as counsel to SmartFinancial, Inc., a Tennessee corporation (the &#8220;Company&#8221;), in connection with the above-referenced Registration Statement on Form S-8 (the &#8220;Registration Statement&#8221;) to be filed on the date hereof by the Company with the Securities and Exchange Commission (the &#8220;Commission&#8221;) to register under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;), 1,690,000 shares of the Company&#8217;s common stock, $1.00 par value per share (the &#8220;Shares&#8221;), which may be issued by the Company upon the grant, exercise or settlement of awards under the SmartFinancial, Inc. Omnibus Incentive Plan, as amended from time to time (the &#8220;Plan&#8221;). We are furnishing this opinion letter pursuant to Item 8 of Form S-8 and Item 601(b)(5) of Regulation S-K under the Securities Act. </font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">In connection with our opinion below, we have examined the Company&#8217;s Second Amended and Restated Charter, Second Amended and Restated Bylaws, records of proceedings of the Board of Directors, or committees thereof, and the stockholders of the Company deemed by us to be relevant to this opinion letter, the Plan and the Registration Statement. We also have made such further legal and factual examinations and investigations as we deemed necessary for purposes of expressing the opinion set forth herein. In our examination, we have assumed the genuineness of all signatures, the legal capacity of all natural persons, the authenticity of all documents submitted to us as original documents and the conformity to original documents of all documents submitted to us as certified, conformed, facsimile, electronic or photostatic copies.</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">As to certain factual matters relevant to this opinion letter, we have relied conclusively upon originals or copies, certified or otherwise identified to our satisfaction, of such other records, agreements, documents and instruments, including certificates or comparable documents of officers of the Company and of public officials, as we have deemed appropriate as a basis for the opinion hereinafter set forth. Except to the extent expressly set forth herein, we have made no independent investigations with regard to matters of fact, and, accordingly, we do not express any opinion as to matters that might have been disclosed by independent verification.</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">This opinion is limited in all respects to the laws of the State of Tennessee, and no opinion is expressed with respect to the laws of any other jurisdiction or any effect that such laws may have on the opinions expressed herein. This opinion is limited to the matters stated herein, and no opinion is implied or may be inferred beyond the matters expressly stated herein.</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">This opinion letter is provided for use in connection with the transactions contemplated by the Registration Statement and may not be used, circulated, quoted or otherwise relied upon for any other purpose without our express written consent. The only opinion rendered by us consists of those matters set forth in the sixth paragraph hereof, and no opinion may be implied or inferred beyond the opinion expressly stated. This opinion letter is rendered as of the date hereof and we make no undertaking and expressly disclaim any duty to supplement or update the opinion rendered herein, if, after the date hereof, facts or </font></p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-bottom:30pt;margin-left:11.76%;margin-right:11.76%;margin-top:30pt;page-break-after:always;width:76.47%;border-width:0;"><div style="max-width:100%;padding-left:11.76%;padding-right:11.76%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;text-align:justify;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">circumstances come to our attention or changes in the law occur which could affect such opinion. We note specifically that the Shares may be issued from time to time hereafter, and our opinion is limited to the applicable laws, including the related rules and regulations, as in effect on the date hereof.</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Based on the foregoing, it is our opinion that the Shares to be issued under the Plan are duly authorized, and, when issued by the Company in accordance with the terms of the Plan, will be validly issued, fully paid and non-assessable.</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';line-height:1.37;margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;text-align:justify;text-indent:36pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">We consent to the filing of this opinion letter as an exhibit to the Registration Statement. In giving such consent, we do not thereby admit that we are within the category of persons whose consent is required under Section 7 of the Securities Act or the rules and regulations of the Commission thereunder.</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.37;text-align:justify;text-indent:36pt;margin:0pt 0pt 10pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:11pt;line-height:1.19;margin:0pt 0pt 0pt 144pt;"><font style="font-size:12pt;"><a name="bkLetterClosing"></a></font>Sincerely,<br><br>ALSTON &amp; BIRD LLP</p><p style="font-family:'Times New Roman','Times','serif';font-size:12pt;line-height:1.19;margin:0pt 0pt 0pt 144pt;"><font style="font-size:11pt;margin-left:0pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Times New Roman','Times','serif';font-size:11pt;line-height:1.19;margin:0pt 0pt 0pt 144pt;">By:<font style="display:inline-block;width:20.11pt;"></font><u style="text-decoration-color:#000000;text-decoration-line:underline;text-decoration-style:solid;">/s/ Mark C. Kanaly</u><u style="text-decoration-color:#000000;text-decoration-line:underline;text-decoration-style:solid;"><u style="display:inline-block;overflow:hidden;position:relative;text-align:justify;text-align-last:justify;text-decoration:underline;text-indent:0pt;vertical-align:bottom;white-space:normal;width:23.68pt;">&#8203; &#8203;<font style="display:inline-block;height:0pt;width:100%;"></font></u></u></p><p style="font-family:'Times New Roman','Times','serif';font-size:11pt;min-height:12.0pt;margin:0pt 0pt 0pt 144pt;"><font style="display:inline-block;width:36pt;"></font>Mark C. Kanaly, A Partner</p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-left:11.76%;margin-right:11.76%;margin-top:30pt;page-break-after:avoid;width:76.47%;border-width:0;"></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>smbk-20250523xex23d1.htm
<DESCRIPTION>EX-23.1
<TEXT>
<!--Enhanced HTML document created with Toppan Merrill Bridge  10.10.0.134--><!--Created on: 5/23/2025 02:55:19 PM (UTC)--><html><head><meta charset="UTF-8"><title></title></head><body><div style="margin-top:30pt;"></div><div style="max-width:100%;padding-left:11.76%;padding-right:11.76%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Aptos';font-size:10pt;line-height:1.37;text-align:right;margin:0pt 0pt 10pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">Exhibit 23.1</font></p><p style="font-family:'Overpass';font-size:12pt;font-weight:bold;line-height:1.19;text-align:center;margin:33.09pt 36pt 25.89pt 36pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Consent of Independent Registered Public Accounting Firm</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;margin:0pt 36pt 25.89pt 36pt;"><font style="font-family:'Times New Roman','Times','serif';">We consent to the incorporation by reference in the Registration Statement on Form S-8 of SmartFinancial, Inc. of our reports dated March 17, 2025, with respect to the consolidated financial statements of SmartFinancial, Inc. and the effectiveness of internal control over financial reporting, included in the Annual Report on Form 10-K for the year ended December 31, 2024. &#160;</font></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;margin:0pt 36pt 10.8pt 36pt;"><font style="font-family:'Times New Roman','Times','serif';">/s/ </font><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Forvis Mazars, LLP</b></p><p style="font-family:'Arial','Helvetica','sans-serif';font-size:10pt;line-height:1.19;text-align:justify;margin:0pt 36pt 0pt 36pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">Louisville, Kentucky</b></p><p style="font-family:'Times New Roman','Times','serif';font-size:10pt;line-height:1.19;margin:0pt 36pt 0pt 36pt;"><b style="font-weight:bold;">May 23, 2025</b></p></div></div><hr style="background-color:#000000;clear:both;color:#000000;height:2pt;line-height:0;margin-left:11.76%;margin-right:11.76%;margin-top:30pt;page-break-after:avoid;width:76.47%;border-width:0;"></body></html>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>4
<FILENAME>smbk-20250523xexfees.htm
<DESCRIPTION>EX-FILING FEES
<TEXT>
<!--Enhanced HTML document created with Toppan Merrill Bridge  10.10.0.134--><!--Created on: 5/23/2025 02:55:19 PM (UTC)--><html><head><meta charset="UTF-8"><title></title></head><body><div style="margin-top:30pt;"></div><div style="max-width:100%;padding-left:8.82%;padding-right:8.82%;position:relative;"><div style="margin-top:21.6pt;width:100%;"><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;margin:0pt;"><font style="visibility:hidden;">&#8203;</font></p></div><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Aptos';font-size:11pt;line-height:1.37;text-align:right;margin:0pt 0pt 10pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">Exhibit 107</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.37;padding-bottom:10pt;text-align:right;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';margin-bottom:10pt;visibility:hidden;">&#8203;</font></p><p style="font-family:'Aptos';font-size:10pt;line-height:1.19;text-align:center;background:#ffffff;margin:2pt 0pt 0pt 0pt;"><b style="font-family:'Times New Roman','Times','serif';font-weight:bold;">CALCULATION OF FILING FEE TABLES </b></p><p style="border-bottom-style:none;font-family:'Aptos';font-size:11pt;min-height:3.0pt;padding-bottom:0pt;background:#ffffff;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:13.5pt;">&#160;</font></p><p style="font-family:'Aptos';font-size:11pt;min-height:3.0pt;background:#ffffff;border-bottom:1px solid #000000;margin:0pt 0pt 2pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:13.5pt;">&#160;</font></p><p style="font-family:'Aptos';font-size:10pt;line-height:1.19;text-align:center;background:#ffffff;margin:18pt 0pt 0pt 0pt;"><font style="font-family:'Times New Roman','Times','serif';">Form&#160;S-8</font></p><p style="font-family:'Aptos';font-size:10pt;line-height:1.19;text-align:center;background:#ffffff;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">(Form Type)</font></p><p style="font-family:'Aptos';font-size:10pt;line-height:1.19;padding-top:12pt;text-align:center;background:#ffffff;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">SmartFinancial, Inc.</font></p><p style="font-family:'Aptos';font-size:10pt;line-height:1.19;text-align:center;background:#ffffff;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">(Exact Name of Registrant as Specified in its Charter)</font></p><p style="font-family:'Aptos';font-size:10pt;line-height:1.19;padding-top:12pt;text-align:center;background:#ffffff;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Table 1: Newly Registered Securities</font></p><p style="font-family:'Aptos';font-size:11pt;line-height:1.19;background:#ffffff;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:12pt;">&#160;</font></p><div><table style="border-collapse:collapse;font-size:16pt;height:max-content;margin-left:auto;margin-right:auto;padding-left:0pt;padding-right:0pt;table-layout:auto;width:100%;background:#ffffff;" align="center"><tr style="height:1pt;"><td style="vertical-align:middle;width:7.78%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"></div></div></td><td style="vertical-align:bottom;width:0.28%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td><td style="vertical-align:middle;width:14.41%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"></div></div></td><td style="vertical-align:bottom;width:0.45%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td><td style="vertical-align:middle;width:12.99%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"></div></div></td><td style="vertical-align:bottom;width:0.45%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td><td style="vertical-align:middle;width:14.33%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"></div></div></td><td style="vertical-align:bottom;width:0.45%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"></div></div></td><td style="vertical-align:middle;width:1.06%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"></div></div></td><td style="vertical-align:middle;width:11%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"></div></div></td><td style="vertical-align:middle;width:0.45%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div 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style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td colspan="2" style="vertical-align:middle;width:11.27%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 12pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Maximum</font><font style="font-family:'Times New Roman','Times','serif';"><br></font><font style="font-family:'Times New Roman','Times','serif';">Aggregate</font><font style="font-family:'Times New Roman','Times','serif';"><br></font><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;Offering&#160;Price&#160;&#160;&#160;&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt 0pt 12pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 12pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td colspan="2" style="vertical-align:middle;width:8.6%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 12pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;&#160;&#160;&#160;Fee&#160;Rate&#160;&#160;&#160;&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt 0pt 12pt 0pt;"><p 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style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td style="vertical-align:bottom;width:0.96%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:10.31%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td style="vertical-align:bottom;width:0.96%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:7.63%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td style="vertical-align:top;white-space:normal;width:1.47%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td style="vertical-align:top;white-space:normal;width:11.88%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">$8,389.61</font></p></td><td style="vertical-align:top;white-space:normal;width:0.76%;background:#ffffff;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt 1.62pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td></tr><tr style="height:0.75pt;"><td colspan="7" style="vertical-align:middle;width:50.73%;background:#ffffff;border-left:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt -0.37pt 0pt 7.62pt;"><p style="font-family:'Aptos';font-size:1pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td colspan="4" style="vertical-align:middle;width:12.97%;background:#ffffff;border-right:1px solid #000000;margin:0pt;padding:0pt;"><p style="font-family:'Aptos';font-size:1pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td 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solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt -0.37pt 2pt 7.62pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;padding-left:12pt;text-align:center;text-indent:-12pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Total Fee Offsets</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td style="vertical-align:top;white-space:normal;width:1.06%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td style="vertical-align:top;white-space:normal;width:11%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;text-align:center;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">n/a</font></p></td><td style="vertical-align:top;white-space:normal;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td style="vertical-align:bottom;width:0.96%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:10.31%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td style="vertical-align:bottom;width:0.96%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:7.63%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid 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style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:middle;width:0.76%;background:#ffffff;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt 1.62pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td></tr><tr style="height:0.75pt;"><td colspan="7" style="vertical-align:middle;width:50.73%;background:#ffffff;border-left:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt -0.37pt 0pt 7.62pt;"><p style="font-family:'Aptos';font-size:1pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td colspan="4" style="vertical-align:middle;width:12.97%;background:#ffffff;border-right:1px solid 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style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td></tr><tr style="height:12.6pt;"><td colspan="7" style="vertical-align:top;width:50.73%;background:#ffffff;border-bottom:1px solid #000000;border-left:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt -0.37pt 2pt 7.62pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;padding-left:12pt;text-align:center;text-indent:-12pt;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">Net Fee Due</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td style="vertical-align:bottom;width:1.06%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:11%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:8pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';">&#160;</font></p></td><td style="vertical-align:bottom;width:0.96%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:10.31%;background:#ffffff;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p style="font-family:'Aptos';font-size:7pt;line-height:1.19;margin:0pt;"><font style="font-family:'Times New Roman','Times','serif';font-size:7.5pt;">&#160;</font></p></td><td style="vertical-align:bottom;width:0.45%;background:#ffffff;border-bottom:1px solid #000000;border-right:1px solid #000000;margin:0pt;padding:0pt 0pt 2pt 0pt;"><p 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