Item 7.01 Regulation FD Disclosure.

On January 27, 2022, the board of directors of SmartFinancial, Inc. ("SmartFinancial") declared a quarterly cash dividend of $0.07 per share of SmartFinancial common stock (the "Dividend") payable on February 28, 2022, to shareholders of record as of the close of business on February 11, 2022. On January 28, 2022, 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.

In accordance with General Instructions B.2 of Form 8K, the information in Item 7.01 of this report (including Exhibit 99.1) shall not be deemed to be "filed" for 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, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits

(d) EXHIBITS

99.1 Press Release issued by SmartFinancial, Inc., dated January 28, 202 2

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