Item 7.01 Regulation FD Disclosure.

On July 23, 2020, the board of directors of SmartFinancial, Inc. ("SmartFinancial") declared a quarterly cash dividend of $0.05 per share of SmartFinancial common stock (the "Dividend") payable on August 24, 2020, to shareholders of record as of the close of business on August 7, 2020. On July 24, 2020, SmartFinancial issued a press release announcing the Dividend. A copy of the press release is attached as Exhibit 99.1 hereto and incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits

(d) EXHIBITS

99.1 Press Release issued by SmartFinancial, Inc., dated July 24, 2020

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