SmartFinancial, Inc. (NYSE

MBK ) Q1 2025 Earnings Conference Call April 22, 2025 10:00 AM ET Company Participants Nathan Strall - Vice President and Director of Strategy & Corporate Development Billy Carroll - President and Chief Executive Officer Ron Gorczynski - Executive Vice President and Chief Financial Officer Rhett Jordan - Executive Vice President, Chief Credit Officer Miller Welborn - Chairman Conference Call Participants Stephen Scouten - Piper Sandler Catherine Mealor - KBW Russell Gunther - Stephens Brett Rabatin - Hovde Group Steve Moss - Raymond James Christopher Marinac - Janney Montgomery Scott Operator Hello everyone, and welcome to the SmartFinancial First Quarter 2025 Earnings Release and Conference Call. My name is Ezra and I will be your coordinator today.