SmartFinancial, Inc.

Thanks, Erica.

Good morning, everyone, and thank you for joining us for Smart Financial's third quarter 2026 earnings webcast and conference call. During today's call, we will reference the slides and earnings release available in the investor relations section of our website at smartbank.com. Kelly Carroll, our president and chief executive officer, will begin the call, followed by Ron Gorczynski, our chief financial officer, who will provide additional commentary. We will be available to answer your questions at the conclusion of our call. Our comments today include forward-looking statements. These statements are subject to risks and uncertainties, and actual results may differ materially. Factors that could cause actual results to differ materially are described in our earnings release and SEC filings, which are available on our website. We undertake no obligation to update any of the forward-looking statements as a result of new information, future developments, or otherwise, except as required by law. During today's call, we may reference non-GAAP financial measures related to the company's performance. Reconciliation of these measures to the most directly comparable gap measures are included in the appendices to the earnings release and investor presentation filed with the SEC on October 19, 2026. And now, I'll turn the call over to 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. As usual, I'll open our call 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. The third quarter was another outstanding one for our company. We continued to build strong organic momentum, generated record operating revenue, and expanded their return metrics. The foundation we have built over the past several years is producing the results we expected, and our team remains highly focused on disciplined growth and long-term shareholder value. So let me jump right into some of the highlights. First, and as I always say, one of the most important metrics to me, we continue to increase the tangible book value of our company. Tangible book value per share was up, ending the quarter at $28.50. The tangible book value excluding AOCI increased to $30.03. That represents 15% annualized quarter-over-quarter growth excluding AOCI. For the quarter, we posted operating earnings of $18.6 million, or $1.10 for diluted share, and record operating revenue of $57.5 million. We did have a few moving parts that netted out positive to operating earnings this quarter, including a nice tax credit transaction that Ron will discuss in a moment. We again delivered excellent growth on both sides of the balance sheet with 15% annualized organic loan growth and 12% annualized core deposit growth. Our return metrics, though slightly aided this quarter, continue to strengthen. Operating return on average assets increased to 1.20%, and operating return on average tangible common equity increased to 15.1%. Credit quality remains very sound. Non-performing assets were only 25 basis points of total assets, and annualized net charge-offs were six basis points. We did have a slight uptick in delinquencies in our fountain equipment subsidiary as higher diesel prices have strained some transportation business, but overall very manageable as that continues to be a relatively small piece of our overall loan book. And we were thrilled to open our full-service Columbus, Georgia Financial Center during the quarter. This is our first branch in this great state and an important step in building density in that market and supporting the strong start our Columbus team has made. Looking at the first few pages in our deck, you can see the continued progress in revenue, EPS, return metrics, and tangible book value. The consistency of those trends demonstrates the strength of our organic strategy and the operating leverage we are building. A couple of additional high-level comments from me on growth. We added $174 million in loans this quarter, representing 15% annualized. The growth remains broad-based, with strong production across all regions and continued momentum in C&I lending. Our average loan portfolio yield, including fees and accretion, ticked up to 6.08%. Regarding deposits, core deposits increased $163 million or 12% annualized during the quarter. Our focus on both sides of the balance sheet continues to pay off and loan-to-deposit ratios maintain very manageable at 87%. Deposit pricing remains competitive and higher funding costs pressure the margin modestly, but net interest income still increased nicely to $49.4 million as balance sheet growth more than offset that pressure. On expenses, operating non-interest expense was $36.4 million. The quarter included some slightly higher one-time items along with continued investment in our people and franchise. Even with that increase, year-over-year operating revenue growth outpaced operating expense growth. We will maintain discipline around expenses, but we'll also continue making investments that support growth, including revenue-producing talent, technology, and strategic facilities. So all in all, another excellent quarter of continued execution. I'm going to stop there and hand it over to Ron to dive into the details. Ron? Thanks, Billy, and good morning, everyone. I'll start with deposits.