BILLY CARROLL

Billy Carroll is the President and Chief Executive Officer of SmartBank. Mr. Carroll, also a founding Director of SmartBank, has held the position since the Bank’s inception. A graduate of the University of Tennessee, he earned his bachelor’s degree in business administration in 1990. Following graduation, Mr. Carroll worked for Kraft CPAs in Nashville, TN. He joined Citizens National Bank in 1992 where he held various management positions, including Executive Vice President and Chief Financial Officer. Mr. Carroll currently serves as the chairman of the Tennessee Bankers Association and a member of the board of directors of the Federal Reserve Bank of Atlanta. He also serves on the boards of SmartFinancial Inc., SmartBank, and SBK Insurance. He is a member of the University of Tennessee Haslam College of Business Finance Advisory Council and the FIS CEO Strategic Planning Advisory Council. Mr. Carroll previously served on the boards of the Federal Reserve Bank of Atlanta’s Nashville Branch, The Sevierville Planning Commission, Sevier County Economic Development Council, and the Great Smoky Mountain Institute at Tremont.