SmartFinancial (SMBK) EVP awarded 1,998 restricted shares, total holdings 7,251

Rhea-AI Filing Summary

SMARTFINANCIAL INC. executive Martin E. Schrodt, EVP and Chief Banking Officer, received a grant of 1,998 shares of Common Stock on March 10, 2026 as a restricted stock award with a vesting date of March 10, 2030. The award was approved by the Compensation Committee and carries no purchase price. Following this grant, Schrodt directly holds 7,251 shares of SmartFinancial common stock, which also includes shares previously acquired through the SMBK Dividend Reinvestment Plan.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Schrodt Martin E

Role EVP, Chief Banking Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,998	$0.00	--

Holdings After Transaction: Common Stock — 7,251 shares (Direct)

Footnotes (1)

1. On March 10, 2026, the Compensation Committee approved grants of restricted stock, which will vest on March 10, 2030. Includes shares acquired pursuant to the SMBK Dividend Reinvestment Plan

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Schrodt Martin E

(Last) (First) (Middle)

5401 KINGSTON PIKE

SUITE 600

(Street)

KNOXVILLE TN 37919

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
SMARTFINANCIAL INC. [ SMBK ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, Chief Banking Officer

3. Date of Earliest Transaction (Month/Day/Year)
03/10/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	03/10/2026		A		1,998(1)	A	$0	7,251(2)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. On March 10, 2026, the Compensation Committee approved grants of restricted stock, which will vest on March 10, 2030.

2. Includes shares acquired pursuant to the SMBK Dividend Reinvestment Plan

	/s/ Glen E. Allen, Jr., Attorney-in-Fact	03/11/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did SMARTFINANCIAL INC. (SMBK) disclose about Martin E. Schrodt’s latest share award?

SMARTFINANCIAL INC. reported that EVP and Chief Banking Officer Martin E. Schrodt received a grant of 1,998 shares of Common Stock on March 10, 2026. The shares were granted as restricted stock with no purchase price and will vest on March 10, 2030.

How many SMBK shares does Martin E. Schrodt hold after the March 10, 2026 grant?

After the March 10, 2026 restricted stock grant, Martin E. Schrodt directly holds 7,251 shares of SMARTFINANCIAL INC. common stock. This total includes the 1,998 newly granted restricted shares and other shares previously acquired, including those from the SMBK Dividend Reinvestment Plan.

When do Martin E. Schrodt’s newly granted SMBK restricted shares vest?

The newly granted 1,998 restricted shares of SMARTFINANCIAL INC. Common Stock awarded to Martin E. Schrodt will vest on March 10, 2030. Until vesting, the shares are subject to the terms and conditions approved by the Compensation Committee on March 10, 2026.

What is the nature of the March 10, 2026 SMBK transaction for Martin E. Schrodt?

The March 10, 2026 transaction for Martin E. Schrodt is an acquisition of 1,998 shares of Common Stock through a grant or award. It is categorized as a restricted stock grant approved by the Compensation Committee, rather than an open-market stock purchase or sale.

Did Martin E. Schrodt pay a price per share for the 1,998 SMBK shares granted?

Martin E. Schrodt did not pay a cash price per share for the 1,998 SmartFinancial common shares granted on March 10, 2026. The filing reports a transaction price per share of 0.0000, consistent with a restricted stock award granted as part of compensation.

How are dividend reinvestment shares reflected in Martin E. Schrodt’s SMBK holdings?

Martin E. Schrodt’s reported total of 7,251 SMARTFINANCIAL INC. shares includes shares acquired through the SMBK Dividend Reinvestment Plan. A filing footnote specifies that his holdings encompass these dividend reinvestment plan shares along with the newly granted restricted stock.