SmartFinancial, Inc. (NYSE:SMBK) Q2 2024 Earnings Conference Call July 23, 2024 10:00 AM ET

Company Participants

Nate Strall - Director of Investor Relations
Billy Carroll - President and Chief Executive Officer
Ron Gorczynski - Chief Financial Officer
Rhett Jordan - Executive VP and Chief Credit Officer of SmartBank
Miller Welborn - Chairman

Conference Call Participants

Will Jones - KBW
Stephen Scouten - Piper Sandler
Russell Gunther - Stephens
Christopher Marinac - Janney Montgomery Scott

Operator

Hello everyone and welcome to the SmartFinancial’s Second Quarter 2024 Earnings Release and Conference Call. My name is Ezra and I’ll be your coordinating your call today. [Operator Instructions]

I will now hand over to your host, Nate Strall, Director of Investor Relations, to begin. Nate, please go ahead.

Nate Strall

Thanks, and good morning, everyone, and thank you for joining us for Smart Financial's second-quarter 2024 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.

Billy Carroll, our President and Chief Executive Officer will begin our call, followed by Ron Gorczynski, our Chief Financial Officer will provide some additional commentary. We will be available to answer your questions at the end of the call.

Our comments include forward-looking statements. These statements are subject to risks and uncertainties and the actual results could vary materially. We will list the factors that might cause these 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 the investor presentation filed on July 22, 2024, with the SEC.

And now I'll turn it over to Billy Carroll to open our call.

Billy Carroll

Thanks, Nate, and good morning, everyone. Great to be with you and thank you for joining us today and for your interest in SMBK. I'll open our call today with some commentary and then hand it over to Ron to walk through the numbers in greater detail.

After our prepared comments, we'll open it up with Ron, Nate, Rhett, Miller, and myself available for Q&A.