SmartFinancial (SMBK) EVP awarded 3414 restricted shares vesting in 2030

Rhea-AI Filing Summary

Jordan Rhett D. reported acquisition or exercise transactions in this Form 4 filing.

SMARTFINANCIAL INC. executive Jordan Rhett D., EVP & Chief Credit Officer, received a grant of 3414 shares of Common Stock as equity compensation. The Compensation Committee approved this restricted stock award on March 10, 2026, and the shares are scheduled to vest on March 10, 2030. Following this grant, Rhett directly holds 12702 common shares.

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

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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^*

Jordan Rhett D.

(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 CREDIT 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		3,414(1)	A	$0	12,702	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.

	/s/ Glen E. Allen, Jr., Attorney-in-Fact	03/11/2026
	** Signature of Reporting Person	Date
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FAQ

What insider transaction did SMARTFINANCIAL INC. (SMBK) report for Jordan Rhett?

SMARTFINANCIAL INC. reported that EVP & Chief Credit Officer Jordan Rhett received 3414 shares of Common Stock as a restricted stock grant. This equity award was approved by the Compensation Committee as part of his compensation package and increases his direct share ownership.

Was the SMARTFINANCIAL INC. (SMBK) insider transaction a stock purchase or a grant?

The transaction was a stock grant, not an open-market purchase. Jordan Rhett acquired 3414 shares of Common Stock as a restricted stock award approved by the Compensation Committee, with no cash price per share shown in the filing for this award.

When will Jordan Rhett’s restricted stock grant in SMARTFINANCIAL INC. (SMBK) vest?

The restricted stock grant to Jordan Rhett is scheduled to vest on March 10, 2030. Until that vesting date, the award remains subject to the company’s restricted stock terms, after which the shares should become fully vested if conditions are met.

How many SMARTFINANCIAL INC. (SMBK) shares does Jordan Rhett hold after this grant?

After the restricted stock grant, Jordan Rhett directly holds 12702 shares of SMARTFINANCIAL INC. Common Stock. This total includes the newly granted 3414 restricted shares and reflects his direct ownership position as reported in the Form 4 filing.

What is the transaction code used in the SMARTFINANCIAL INC. (SMBK) Form 4 for this award?

The Form 4 uses transaction code “A,” which indicates a grant, award, or other acquisition. In this case, it reflects the Compensation Committee’s approval of a restricted stock grant of 3414 shares to executive officer Jordan Rhett as part of his compensation.

Does the SMARTFINANCIAL INC. (SMBK) filing mention any exercise price for this restricted stock grant?

No exercise price is associated with this restricted stock grant. The filing shows a price per share of 0.0000, consistent with a compensation-related equity award rather than a purchased or exercised option position requiring payment by the executive.