Item 7.01 Regulation FD Disclosure.

On November 6, 2020, SmartFinancial, Inc. (the "Company") prepared presentation materials (the "Investor Presentation") that management intends to use from time to time thereafter in presentations about the Company's operations and performance, as well as providing a mid-quarter update on the Company's COVID-19 modified loans. The Company may use the Investor Presentation to current and potential investors, analysts, lender, business partners, customers, employees and others with an interest in the Company and its business.

A copy of the Investor Presentation is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated in this Item 7.01 by this reference. The Investor Presentation will also be available on the Company website at www.smartfinancial.com. Materials on the Company's website are not part of or incorporated by reference to this Current Report on Form 8-K.

The information contained in this Item 7.01, including the information set forth in the presentation materials furnished as Exhibit 99.1 to, and incorporated in, this Current Report, is being "furnished" and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that Section. The information in Exhibit 99.1 furnished pursuant to this Item 7.01 shall not be incorporated by reference into any registration statement or other documents pursuant to the Securities Act of 1933, as amended, or into any filing or other document pursuant to the Exchange Act except as otherwise expressly stated in any such filing.

Item 9.01 Financial Statements and Exhibits

(d) EXHIBITS





99.1      Investor Presentation dated November 6, 2020
104     Cover Page Interactive Data File (formatted as inline XBRL and contained
        in Exhibit 101)

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