SmartFinancial (SMBK) director adds 808 shares, now holds 16,831

Rhea-AI Filing Summary

SmartFinancial Inc. director Cathy G. Ackermann reported acquiring 808 shares of SmartFinancial common stock on 01/29/2026 at a price of $0, bringing her directly held stake to 16,831 shares. She also reports indirect beneficial ownership of 2,100 shares held by her spouse and 10,500 shares held by a marital trust for Rebecca James Sidwell.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Ackermann Cathy G

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	808	$0.00	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 16,831 shares (Direct); Common Stock — 2,100 shares (Indirect, By Spouse)

Footnotes (1)

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^*

Ackermann Cathy G

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
01/29/2026

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	01/29/2026		A		808	A	$0	16,831	D
Common Stock								2,100	I	By Spouse
Common Stock								10,500	I	By Marital Trust for Rebecca James Sidwell

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:

	/s/ Glen E. Allen, Jr., Attorney-in-Fact	01/30/2026
	** 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 insider transaction did SMBK director Cathy G. Ackermann report?

Cathy G. Ackermann reported acquiring 808 shares of SmartFinancial Inc. common stock on 01/29/2026 at a price of $0 per share. Following this transaction, she directly owned 16,831 shares, in addition to indirect holdings reported through a spouse and a marital trust.

How many SmartFinancial Inc. (SMBK) shares does Cathy G. Ackermann now hold directly and indirectly?

After the reported transaction, Cathy G. Ackermann directly owns 16,831 SmartFinancial Inc. common shares. She also reports indirect beneficial ownership of 2,100 shares held by her spouse and 10,500 shares held by a marital trust for Rebecca James Sidwell.

On what date did the reported SmartFinancial Inc. insider transaction occur?

The reported insider transaction in SmartFinancial Inc. common stock occurred on 01/29/2026. That date is listed as the transaction date for the acquisition of 808 shares, and it is also used as the reference date for the reported indirect beneficial holdings.

What was the price per share for Cathy G. Ackermann’s 808 SMBK shares acquired?

The 808 SmartFinancial Inc. common shares reported by Cathy G. Ackermann were acquired at a price of $0 per share. This zero-dollar price suggests the shares were received without cash consideration, as reflected directly in the transaction price field of the filing.

What indirect SmartFinancial Inc. holdings are reported for Cathy G. Ackermann?

The filing shows 2,100 SmartFinancial Inc. common shares indirectly held by her spouse and 10,500 shares indirectly held by a marital trust for Rebecca James Sidwell. These are reported as indirect beneficial ownership positions, separate from her directly owned 16,831 shares.

What role does Cathy G. Ackermann have at SmartFinancial Inc. (SMBK)?

Cathy G. Ackermann is identified as a director of SmartFinancial Inc. in the filing. The form indicates her relationship to the issuer by checking the “Director” box, while not marking officer or 10% owner status, clarifying her position as a board member.