SmartFinancial, Inc. (NASDAQ:SMBK) Q3 2023 Earnings Call Transcript October 24, 2023 10:00 AM ET

Company Participants

Nate Strall - Director, Corporate Strategy

Miller Welborn - Chairman

Billy Carroll - President & Chief Executive Officer

Rhett Jordan - Chief Credit Officer

Ron Gorczynski - Chief Financial Officer

Conference Call Participants

Thomas Wendler - Stephens

Stephen Scouten - Piper Sander

Will Jones - KBW

Kevin Fitzsimmons - D.A. Davidson

Steve Moss - Raymond James

Feddie Strickland - Janney Montgomery Scott

Operator

Hello, everyone and welcome to the SmartFinancial Third Quarter 2023 Earnings Release and Conference Call. My name is Seb and I will be the operator for your call today. [Operator Instructions]

I will now hand the floor over to Nate Strall to begin. Please go ahead.

Nate Strall

Thanks, Seb. Good morning, everyone, and thank you for joining us for SmartFinancial's third quarter 2023 earnings call. During today's call, we will reference the slides and press release that are available within the Investor Relations section on our website, smartbank.com.

Chairman, Miller Welborn will begin the call followed by Billy Carroll, our President and Chief Executive Officer; Ron Gorczynski, Chief Financial Officer; and Rhett Jordan, Chief Credit Officer will also provide commentary. We will be available to answer your questions at the end of our call.

Our comments include forward-looking statements. These statements are subject to risks and uncertainties and the actual results could vary materially. We list the factors that might cause results to differ materially in our press release and in our SEC filings, which are available on our website. We do not assume any obligation to update any forward-looking statements because of new information, early developments or otherwise, except as may be required by law.

During the call, we will reference non-GAAP financial measures related to the company’s performance. You may see the reconciliation of these measures in the appendices of the earnings release and investor presentation filed on October 23, 2023, with the SEC.

And now, I will turn it over to Chairman, Miller Welborn to open our call.

Miller Welborn

Thanks, Nate. The third quarter of this year has been another quarter of incredibly busy activity for SmartBank. I'm very proud of how our team has remained steadfast to our mission and our objectives for the company. It's not a secret that our industry has been challenged this year, but we see the challenges as positive opportunities. We've made a strong effort to improve every line of business that we operate, and I do sincerely believe we're poised for a bright future.