Exhibit 10.1

         

          

        EMPLOYMENT AGREEMENT

            

        

        THIS EMPLOYMENT AGREEMENT is made and entered into effective as of March 25, 2019 (the “Effective Date”), by and among Reliant Bancorp, Inc., a Tennessee corporation (“Company”),

          Reliant Bank, a banking corporation organized under the laws of the State of Tennessee (“Bank”), and David A. Kowalski, a resident of the
          State of Tennessee (“Employee”). Company, Bank, and Employee are sometimes referred to herein collectively as the “Parties,” and each is sometimes referred to herein individually as a “Party.”

         

        R E C I T A L S

         

        A.          Company and Bank desire to employ Employee as Senior Vice President,
            Chief Accounting Officer and Controller of Company and Bank, and Employee desires to be so employed by Company and Bank.

         

        B.          The Parties desire to enter into this Agreement to set forth in writing
            the terms and conditions of Employee’s employment with Company and Bank.

         

        AGREEMENT

         

        In consideration of the premises set forth above and the mutual agreements hereinafter set forth, effective as of the Effective Date,
            the Parties hereby agree as follows:

         

        1.           Definitions. 

              Whenever used in this Agreement, the following terms and their variant forms shall have the meanings set forth below:

         

        (a)          “Affiliate” shall mean, with respect to any entity, any other entity that controls, is controlled by, or is under common control with such entity. For this purpose, “control” means ownership of
            more than 50% of the ordinary voting power of the outstanding equity securities of an entity.

         

        (b)          “Agreement” shall mean this Employment Agreement together with any amendments hereto made in the manner described in this Agreement.

         

        (c)          “Boards of Directors” shall mean, collectively, the board of directors of Company and the board of directors of Bank and, where appropriate, any committee or other designee thereof.

         

        (d)          “Business of Employer” shall mean any business conducted by Company or Bank or any of their respective Affiliates, including the business of commercial, retail, and consumer banking.

         

        (e)          “Cause” shall mean, in the context of the termination of this Agreement by Employer:

         

        (i)          a material breach of the terms of this Agreement by Employee not
            cured by Employee within 10 business days after Employee’s  receipt of Employer’s written notice thereof, including without limitation failure by Employee to perform Employee’s duties and responsibilities in the manner and to the extent
            required under this Agreement;

         

        (ii)        any act by Employee of fraud against, misappropriation from, or
            dishonesty to Company or Bank or any Affiliate of Company or Bank;

         

          

        
          
            


        

        
         (iii)       the conviction of Employee of, or Employee’s plea of guilty or nolo
            contendere to, a felony or any crime involving fraud or moral turpitude;

         

        (iv)        conduct by Employee that amounts to willful misconduct, gross
            neglect, or a material failure to perform Employee’s duties and responsibilities hereunder, including prolonged absences without the written consent of the Chief Executive Officer of Company; provided that the nature of such conduct shall be set forth with reasonable particularity in a written notice to Employee who shall have 10 business days following delivery of such notice to cure such
            alleged conduct, provided that such conduct is, in the reasonable discretion of the Chief Executive Officer of Company, susceptible to a cure;

         

        (v)         the exhibition by Employee of a standard of behavior within the scope
            of or related to Employee’s employment that is in violation of any written policy, board committee charter, or code of ethics or business conduct (or similar code) of Company or Bank or any Affiliate of Company or Bank to which Employee is
            subject; provided that the nature of such conduct shall be set forth with reasonable particularity in a written notice to Employee who shall have 10
            business days following delivery of such notice to cure such alleged conduct, provided that such conduct is, in the reasonable discretion of the Chief
            Executive Officer of Company, susceptible to a cure;

         

        (vi)        conduct or behavior by Employee, including without limitation conduct
            or behavior that is unethical and/or involves moral turpitude, that, in the reasonable opinion of the Chief Executive Officer of Company, has harmed or could reasonably be expected to harm, in each case in any material respect, the business or
            reputation of Company or Bank;

         

        (vii)       receipt of any form of written notice that any regulatory agency or
            authority having jurisdiction over Company or Bank or any Affiliate of Company or Bank has instituted any form of regulatory action against Employee; or

         

        (viii)      Employee’s removal from office and/or permanent prohibition from
            participating in the conduct of Company’s or Bank’s affairs as a result of an order issued under Section 8(e) or Section 8(g) of the Federal Deposit Insurance Act (12 U.S.C. § 1818(e) and (g)).

         

        (f)          “Change in Control” shall mean:

         

        (i)          a change in the ownership of Company or Bank within the meaning of
            Treasury Regulations § 1.409A-3(i)(5)(v);

         

        (ii)         a change in the effective control of Company or Bank within the
            meaning of Treasury Regulations § 1.409A-3(i)(5)(vi); or

         

        (iii)        a change in the ownership of a substantial portion of Company’s or
            Bank’s assets within the meaning of Treasury Regulations § 1.409A-3(i)(5)(vii), substituting 80% for 40% under Treasury Regulations § 1.409A-3(i)(5)(vii)(A).

         

        (g)          “Code” shall mean the Internal Revenue Code of 1986, as amended, and the rules and regulations promulgated thereunder.

         

        (h)          “Competing Business” shall mean any person (other than an Affiliate of Company or Bank) that is conducting any business that is the same or substantially the same as the Business of Employer.

         

          

        
          2

          
            


        

        (i)          “Confidential Information” shall include, without limitation, all information not generally known to the public, in spoken, printed, electronic, or any other form or medium, relating directly or
            indirectly to business processes, practices, methods, policies, plans, publications, documents, research, operations, services, strategies, techniques, agreements, contracts, terms of agreements, transactions, potential transactions,
            negotiations, pending negotiations, know-how, trade secrets, computer programs, computer software, applications, operating systems, software design, web design, work-in-process, databases, manuals, records, articles, systems, material, sources
            of material, supplier information, vendor information, financial information, results, accounting information, accounting records, legal information, marketing information, advertising information, pricing information, credit information,
            design information, payroll information, staffing information, personnel information, employee lists, supplier lists, vendor lists, developments, reports, internal controls, security procedures, graphics, drawings, sketches, market studies,
            sales information, revenue, costs, formulae, notes, communications, algorithms, product plans, designs, styles, models, ideas, audiovisual programs, inventions, unpublished patent applications, original works of authorship, discoveries,
            experimental processes, experimental results, specifications, customer information, customer lists, client information, and client lists of Company or Bank or any Affiliate of Company or Bank, or relating to their respective businesses, or of
            any other person that has entrusted information to Company or Bank or any Affiliate of Company or Bank in confidence. The foregoing list is not exhaustive, and the term “Confidential Information” shall also include other information that is
            marked or otherwise identified as confidential or proprietary or that would otherwise appear to a reasonable person to be confidential or proprietary in the context and under the circumstances in which the information is known or used. The term
            “Confidential Information” shall include information developed by Employee in the course of Employee’s employment by Employer as if Employer furnished the same Confidential Information to Employee in the first instance. The term “Confidential
            Information” shall not include information that, through no direct or indirect fault of Employee or person(s) acting on Employee’s behalf, is generally available to and known by the public at the time of disclosure to Employee or thereafter
            becomes generally available to and known by the public.

         

        (j)          “Disability” shall mean the inability of Employee to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment that can be expected to result
            in death or can be expected to last for a continuous period of not less than 12 months.

         

        (k)          “Employer” shall mean, collectively, Company and Bank.

         

        (l)          “Good Reason” shall mean, in the context of the termination of this Agreement by Employee:

         

        (i)          a material diminution in Employee’s authority, duties, or
            responsibilities (as compared to Employee’s authority, duties, and responsibilities as of the Effective Date) which is not consented to by Employee in writing;

         

        (ii)         a material diminution in Employee’s Annual Base Salary which is not
            consented to by Employee in writing;

         

        (iii)        a change in the location of Employee’s primary office such that
            Employee is required to report regularly to an office located outside of a 75-mile radius from the location of Employee’s primary office as of the Effective Date, which change is not consented to by Employee in writing; or

         

        (iv)        a material breach of the terms of this Agreement by Employer.

         

          

        
          3

          
            


        

        (m)          “IRS” shall mean the United States Internal Revenue Service.

         

        (n)          “Post-Termination Period” shall mean a period of 12 months (subject to extension as set forth in Section 8(f))
            following the effective date of the termination of Employee’s employment.

         

        (o)          “Separation from Service” shall have the meaning set forth in, and whether Employee has experienced a Separation from Service shall be determined by Employer in accordance with, Treasury
            Regulations § 1.409A-1(h).

         

        2.          Employee

                Duties.

         

        (a)          Position; Reporting.  Employee shall be employed as Senior Vice President, Chief Accounting Officer and Controller of Company and Bank and shall perform and discharge faithfully the duties and responsibilities
            which may be assigned to Employee from time to time in connection with the conduct of the business of Employer. The duties and responsibilities of Employee shall be commensurate with those of individuals holding similar positions at other banks
            and financial or bank holding companies similarly organized. Employee shall report directly to the Chief Financial Officer of Company.

         

        (b)          Full-Time Status.  In addition to the duties and responsibilities specifically assigned to Employee pursuant to Section 2(a) hereof,
            Employee shall:

         

        (i)          subject to Section 2(c) hereof, during regular business hours, devote substantially all of Employee’s time, energy, attention, and skill to the performance of the duties and responsibilities of Employee’s employment (reasonable
            vacations, approved leaves of absence, and reasonable absences due to illness excepted) and faithfully and industriously perform such duties and responsibilities;

         

        (ii)         diligently follow and implement all reasonable and lawful policies
            and decisions communicated to Employee by the President or Chief Executive Officer of Company or Bank, the Chief Financial Officer of Company, or the Boards of Directors; and

         

        (iii)        timely prepare and forward to the President and Chief Executive
            Officer of Company and Bank, the Chief Financial Officer of Company, and the Boards of Directors all reports and accountings as may be reasonably requested of Employee.

         

        (c)          Permitted Activities.  Employee shall devote substantially all of Employee’s business time, attention, and energies to the Business of Employer and shall not during the Term be engaged (whether or not during normal
            business hours) in any other significant business or professional activity, whether or not such activity is pursued for gain, profit, or other pecuniary advantage, provided that, as long as the following activities do not interfere with Employee’s obligations to Employer, this Section 2(c) shall not be
            construed as preventing Employee from:

         

        (i)          investing Employee’s personal assets in any manner which will not
            require any services on the part of Employee in the operation or affairs of the subject entity and in which Employee’s participation is solely that of an investor, provided that such investment activity following the Effective Date shall not result in Employee owning beneficially at any time 2% or more of the equity securities of any Competing Business; or

         

          

        
          4

          
            


        

        (ii)         participating in civic and professional affairs and organizations
            and conferences, preparing or publishing papers or books, or teaching, so long as any such activities do not interfere with the ability of Employee to effectively discharge Employee’s duties and responsibilities hereunder, provided that the Chief Executive Officer of Company may direct Employee in writing to resign from any such organization and/or cease any such activities
            should the Chief Executive Officer of Company reasonably conclude that continued membership in such organization and/or activities of the type identified would not be in the best interests of Company or Bank.

         

        3.           Term

                of Employment.  The initial term of this Agreement (the “Initial Term”) shall commence on and as of the Effective Date and, unless this Agreement is sooner terminated in accordance with its terms, shall end on the date which is the first anniversary of the Effective Date. At the end of the Initial
              Term (and at the end of any one-year renewal term), this Agreement will automatically renew for an additional, successive term of one year, unless Employer, on the one hand, or Employee, on the other, gives the other written notice of its
              intent to terminate this Agreement as of the end of the Initial Term (or the end of the then-current renewal term) at least 60 days prior to the end of the Initial Term (or the then-current renewal term). The Initial Term and any and all
              renewal terms are referred to together herein as the “Term.”

         

        4.           Compensation. 
              Employer shall compensate Employee as follows during Employee’s period of employment, except as otherwise provided below:

         

        (a)          Annual Base Salary.  Employee shall be compensated at a base annual rate of $180,000 per year (the “Annual Base
              Salary”). Employee’s Annual Base Salary will be reviewed by the compensation committee of Company’s board of directors at least annually, in accordance with the compensation committee’s charter and any procedures adopted by the
            compensation committee, for adjustment based on an evaluation of Employee’s performance. Employee’s Annual Base Salary shall be payable in accordance with Employer’s normal payroll practices.

         

        (b)          Annual Incentive Compensation.

         

        (i)          Employee shall be eligible to receive such annual incentive
            compensation, if any, as may be determined by, and based on performance measures established by, the board of directors of Company (or its designee) consistent with the strategic plan of Company, pursuant to any incentive compensation plan or
            program that may be adopted from time to time by the board of directors of Company (“Incentive Compensation”).

         

        (ii)         Any Incentive Compensation earned shall be payable not later than
            March 15th of the year following the year in which the Incentive Compensation is earned in accordance with Employer’s normal practices for the payment of short-term incentives. The payment of any Incentive Compensation shall be subject to and
            conditioned on Employee being employed by Employer on December 31st of the year in which the Incentive Compensation is earned, Employee’s employment with Employer having not been terminated by Employer for Cause prior to the payment of such
            Incentive Compensation, and any approvals or non-objections required from or by any regulatory authority having jurisdiction over Company or Bank, and it is understood by the Parties that it is contemplated that Employee may not be eligible to
            receive any such Incentive Compensation or other short-term incentive compensation if Company or Bank is subject to restrictions imposed on Company or Bank by the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance
            Corporation, the Tennessee Department of Financial Institutions, or any other regulatory agency or authority, or if Company or Bank is otherwise restricted from making payment of such compensation under applicable law.

         

          

        
          5

          
            


        

        (c)          Business Expenses.  Subject to the reimbursement policies of Employer in effect from time to time and consistent with the annual budget approved for the period during which an expense is incurred, Employer will
            reimburse Employee for reasonable and necessary business expenses incurred by Employee in the performance of Employee’s duties hereunder; provided, however, that, as a condition to any such reimbursement, Employee shall submit verification of the nature and amount of such expenses in accordance with said
            reimbursement policies. Employee acknowledges that Employer makes no representation with respect to the taxability or non-taxability of the benefits provided under this Section 4(c).

         

        (d)          Vacation.  On a non-cumulative basis, Employee shall be entitled to 20 days paid vacation per calendar year, prorated for any partial calendar year of service. The provisions of this Section 4(d) shall apply notwithstanding any less generous vacation policy then maintained by Employer, but Employee’s use of such paid vacation shall otherwise be in accordance with Employer’s
            vacation policy as in effect from time to time.

         

        (e)          Other Benefits. In addition to the benefits specifically described in this Agreement, Employee shall be entitled to such other benefits as may be available from time to time to similarly situated employees of
            Employer, including, by way of example only, retirement plan and health, dental, life, and disability insurance benefits. All such benefits shall be awarded and administered in accordance with the written terms of any applicable benefit plan
            or, if no written terms exist, Employer’s standard policies and practices relating to such benefits.

         

        (f)          Reimbursement of Expenses; In-Kind Benefits.  All expenses eligible for reimbursement described in this Agreement must be incurred by Employee during the Term of this Agreement to be eligible for reimbursement. Any
            in-kind benefits provided by Employer must be provided during the Term of this Agreement. The amount of reimbursable expenses incurred, and the amount of any in-kind benefits provided, in one taxable year shall not affect the expenses eligible
            for reimbursement, or in-kind benefits provided, in any other taxable year. Each category of reimbursement shall be paid as soon as administratively practicable, but in no event shall any such reimbursement be paid after the last day of the
            calendar year following the calendar year in which the expense was incurred. Neither rights to reimbursement, nor in-kind benefits, shall be subject to liquidation or exchange for other benefits.

         

        (g)          Claw Back of Compensation.  Employee agrees to repay any compensation previously paid or otherwise made available to Employee that is subject to recovery under any applicable law, rule, or regulation (including any
            rule of any exchange or service on or through which any securities of Company are listed or traded). Employee agrees to return or repay promptly any such compensation identified by Company or Bank. If Employee fails to return or repay any such
            compensation promptly, Employee agrees that the amount of such compensation may be deducted from any and all other compensation owed to Employee under this Agreement or otherwise. Employee acknowledges that Employer may take appropriate
            disciplinary action (up to, and including, termination of employment) if Employee fails to return or repay any such compensation. The provisions of this Section 4(g)
            shall be modified to the extent, and remain in effect for the period, required by applicable law, rule, or regulation.

         

        5.           Termination.

         

        (a)          Termination by Employer.  During the Term, Employee’s employment may be terminated by Employer:

         

        (i)          at any time for Cause, as determined by the Chief Executive Officer
            of Company; or

         

          

        
          6

          
            


        

        (ii)         at any time without Cause (provided that Employer shall give Employee at least 30 days prior written notice of its intent to terminate), in which event Employer shall be required to (A) pay to Employee (or, in
            the event of Employee’s death, Employee’s estate, heirs, or designated beneficiaries, as the case may be) a severance benefit equal to one times Employee’s Annual Base Salary as of the date of termination, said benefit to be payable in equal
            installments over the course of the 12-month period immediately following termination in accordance with Employer’s normal payroll practices, and (B) if Employee timely and properly elects health continuation coverage under the Consolidated
            Omnibus Budget Reconciliation Act of 1985 (“COBRA”), pay on behalf of Employee the monthly COBRA premium for such coverage for Employee
            and his dependents until the earliest of (x) the 12-month anniversary of the date of termination of Employee’s employment, (y) the date Employee is no longer eligible to receive COBRA continuation coverage, and (z) the date on which Employee
            becomes eligible to receive substantially similar coverage from another employer. Notwithstanding the foregoing, if payments under clause (B) of this Section 5(a)(ii) would

            cause Employer to violate the nondiscrimination rules applicable to non-grandfathered plans under the Affordable Care Act (the “ACA”),
            or result in the imposition of penalties under the ACA and the related regulations and guidance promulgated thereunder, the Parties agree to reform clause (B) of this Section 5(a)(ii) in

            such manner as is necessary to comply with the ACA while, to the extent reasonably practicable, preserving the benefit provided for in clause (B) of this Section 5(a)(ii).

         

        (b)          Termination by Employee.  During the Term, Employee’s employment may be terminated by Employee:

         

        (i)          at any time for Good Reason, provided that (A) before terminating his employment for Good Reason, (1) Employee shall give notice to Employer of the existence of Good Reason for termination, which notice must be
            given by Employee to Employer within 60 days of the initial existence of the condition(s) giving rise to Good Reason for termination and shall state with reasonable detail the condition(s) giving rise to Good Reason for termination and (2)
            Employer shall have 30 days from the effective date of such notice to remedy the condition(s) giving rise to Good Reason for termination and (B) such termination must occur within 12 months of the initial existence of the condition(s) giving
            rise to Good Reason for termination. In the event of the termination of Employee’s employment for Good Reason, Employer shall be required to (A) pay to Employee (or, in the event of Employee’s death, Employee’s estate, heirs, or designated
            beneficiaries, as the case may be) a severance benefit equal to (1) if termination is for Good Reason as defined in Section 1(l)(i), Section 1(l)(iii), or Section 1(l)(iv), one times Employee’s Annual Base Salary as of the date of termination, said
            benefit to be payable in equal installments over the course of the 12-month period immediately following termination in accordance with Employer’s normal payroll practices, or (2) if termination is for Good Reason as defined in Section 1(l)(ii), one times Employee’s Annual Base Salary immediately prior to the diminution in Annual Base Salary giving rise to termination, said benefit to be payable
            in equal installments over the course of the 12-month period immediately following termination in accordance with Employer’s normal payroll practices, and (B) if Employee timely and properly elects health continuation coverage under COBRA, pay
            on behalf of Employee the monthly COBRA premium for such coverage for Employee and his dependents until the earliest of (x) the 12-month anniversary of the date of termination of Employee’s employment, (y) the date Employee is no longer
            eligible to receive COBRA continuation coverage, and (z) the date on which Employee becomes eligible to receive substantially similar coverage from another employer (provided that, if Employer making payments under this clause (B) would violate the nondiscrimination rules applicable to non-grandfathered plans under the ACA, or result in the imposition of penalties under the ACA and the
            related regulations and guidance promulgated thereunder, the Parties agree to reform this clause (B) in such manner as is necessary to comply with the ACA while, to the extent reasonably practicable, preserving the benefit provided for in this
            clause (B)); or

         

          

        
          7

          
            


        

        (ii)         at any time without Good Reason (provided that Employee shall give Employer at least 60 days prior written notice of Employee’s intent to terminate).

         

        (c)          Termination Upon Disability.  During the Term, Employee’s employment may be terminated by Employer upon the Disability of Employee (provided
            that Employer shall give Employee at least 30 days prior written notice of its intent to terminate). For the avoidance of doubt, termination for Disability under this Section 5(c)
            shall not be considered termination without Cause.

         

        (d)          Termination Upon Death.  Employee’s employment shall terminate automatically upon the death of Employee. For the avoidance of doubt, termination of Employee’s employment upon the death of Employee under this Section 5(d) shall not be considered termination without Cause.

         

        (e)          Termination by Mutual Agreement.  During the Term, Employee’s employment may be terminated at any time by mutual written agreement of the Parties.

         

        (f)          Non-Renewal of Agreement.  For the avoidance of doubt, the Parties expressly acknowledge and agree that neither the election by a Party to not renew (and thus terminate) this Agreement pursuant to Section 3 nor the termination of Employee’s employment in connection with any such election shall give rise to any severance or other payment to Employee under this
            Agreement.

         

        (g)          Effect of Termination; Resignation.  Upon the termination of Employee’s employment, Employer shall have no further obligations to Employee or Employee’s estate, heirs, beneficiaries, executors, administrators, or
            legal or personal representatives under or with respect to this Agreement, except for the payment of any amounts earned and owing under Sections 4(a), 4(b), and 4(c) hereof as of the effective date of the termination of Employee’s employment
            and any payment(s) required by Section 5(a)(ii), Section 5(b)(i), or Section 6 of this Agreement. Further, upon the termination of Employee’s employment, (i) if Employee is a member of the board of directors of Company or the board of
            directors of Bank, or the board of directors of any Affiliate of Company or Bank, Employee shall, at the request of Employer, resign from Employee’s position(s) on such boards, and (ii) Employee shall, at the request of Employer, resign from
            any officer position(s) held by Employee at any Affiliate of Company or Bank, in each case with any and all such resignations to be effective not later than the date on which Employee’s employment is terminated unless a later effective date is
            agreed to by Employer.

         

        6.          Change

                in Control.

         

        (a)          If, within 12 months following a Change in Control, Employer (or any
            successor of or to Employer) terminates Employee’s employment without Cause, Employer (or its successor) shall be required to (i) pay to Employee (or, in the event of Employee’s death, Employee’s estate, heirs, or designated beneficiaries, as
            the case may be) a severance benefit in an amount equal to one times Employee’s Annual Base Salary as of the date of termination, said benefit to be payable in equal installments over the course of the 12-month period immediately following
            termination in accordance with Employer’s (or its successor’s) normal payroll practices, and (ii) if Employee timely and properly elects health continuation coverage under COBRA, pay on behalf of Employee the monthly COBRA premium for such
            coverage for Employee and his dependents until the earliest of (x) the 12-month anniversary of the date of termination of Employee’s employment, (y) the date Employee is no longer eligible to receive COBRA continuation coverage, and (z) the
            date on which Employee becomes eligible to receive substantially similar coverage from another employer. Notwithstanding the foregoing, if payments under clause (ii) of this Section 6(a) would

            cause Employer to violate the nondiscrimination rules applicable to non-grandfathered plans under the ACA, or result in the imposition of penalties under the ACA and the related regulations and guidance promulgated thereunder, the Parties agree
            to reform clause (ii) of this Section 6(a) in such manner as is necessary to comply with the ACA while, to the extent reasonably practicable, preserving the benefit
            provided for in clause (ii) of this Section 6(a).

         

          

        
          8

          
            


        

        (b)          If,

            within 12 months following a Change in Control, Employee terminates his employment with Employer (or its successor) for Good Reason (provided that (x)
            before terminating his employment for Good Reason, Employee shall give notice to Employer (or its successor) of the existence of Good Reason for termination, which notice must be given by Employee to Employer (or its successor) within 60 days
            of the initial existence of the condition(s) giving rise to Good Reason for termination and shall state with reasonable detail the condition(s) giving rise to Good Reason for termination, and Employer (or its successor) shall have 30 days from
            the effective date of such notice to remedy the condition(s) giving rise to Good Reason for termination and (y) such termination must occur within 12 months of the initial existence of the condition(s) giving rise to Good Reason for
            termination), Employer (or its successor) shall be required to (i) pay to Employee (or, in the event of Employee’s death, Employee’s estate, heirs, or designated beneficiaries, as the case may be) a severance benefit in an amount equal to (A)
            if termination is for Good Reason as defined in Section 1(l)(i), Section 1(l)(iii), or Section 1(l)(iv), one times Employee’s Annual Base Salary as of the date of termination, said benefit to be payable in equal installments over the course of the 12-month
            period immediately following termination in accordance with Employer’s (or its successor’s) normal payroll practices, or (B) if termination is for Good Reason as defined in Section 1(l)(ii),
            one times Employee’s Annual Base Salary immediately prior to the diminution in Annual Base Salary giving rise to termination, said benefit to be payable in equal installments over the course of the 12-month period immediately following
            termination in accordance with Employer’s (or its successor’s) normal payroll practices, and (ii) if Employee timely and properly elects health continuation coverage under COBRA, pay on behalf of Employee the monthly COBRA premium for such
            coverage for Employee and his dependents until the earliest of (x) the 12-month anniversary of the date of termination of Employee’s employment, (y) the date Employee is no longer eligible to receive COBRA continuation coverage, and (z) the
            date on which Employee becomes eligible to receive substantially similar coverage from another employer (provided that, if Employer making payments under
            this clause (ii) would violate the nondiscrimination rules applicable to non-grandfathered plans under the ACA, or result in the imposition of penalties under the ACA and the related regulations and guidance promulgated thereunder, the Parties
            agree to reform this clause (ii) in such manner as is necessary to comply with the ACA while, to the extent reasonably practicable, preserving the benefit provided for in this clause (ii)).

         

        7.          Confidential

                Information.

         

        (a)          Employee understands and acknowledges that, during the course of
            Employee’s employment with Employer, Employee will have access to and learn of and about Confidential Information. Employee acknowledges and agrees that all Confidential Information of Company or Bank or their respective Affiliates that
            Employee accesses, receives, learns of, or develops while Employee is employed by Employer shall be and will remain the sole and exclusive property of Company and Bank and their respective Affiliates.

         

        (b)          Employee understands and acknowledges that Company and Bank and their
            respective Affiliates have invested, and continue to invest, substantial time, money, and specialized knowledge into developing their resources, creating a customer base, generating customer and potential customer lists, training their
            employees, and improving their offerings in the field of banking and financial services. Employee understands and acknowledges that, as a result of these efforts, Company and Bank and their respective Affiliates have created and continue to use
            and create Confidential Information, and that the Confidential Information provides Company and Bank and their respective Affiliates with a competitive advantage over others in the marketplace.

         

          

        
          9

          
            


        

        (c)          Employee covenants and agrees (i) to treat all Confidential
            Information as strictly confidential; (ii) not to directly or indirectly disclose, publish, communicate, or make available Confidential Information, or allow it to be disclosed, published, communicated, or made available, in whole or in part,
            to any person whatsoever (including other employees of Company or Bank or their respective Affiliates) not having a need to know and authority to know and use the Confidential Information in connection with the business of Company or Bank or
            their respective Affiliates, and, in any event, not to anyone outside of the direct employ of Company or Bank or their respective Affiliates except as required in the performance of Employee’s authorized employment duties to Employer or with
            the prior consent of the Chief Executive Officer or Chief Financial Officer of Company in each instance (in which case such disclosure shall be made only within the limits and to the extent of such duties or consent); and (iii) not to access or
            use any Confidential Information, and not to copy any documents, records, files, media, or other resources containing any Confidential Information, or remove any such documents, records, files, media, or other resources from the premises or
            control of Company or Bank or any of their respective Affiliates, except as required in the performance of Employee’s authorized employment duties to Employer or with the prior consent of the Chief Executive Officer or Chief Financial Officer
            of Company in each instance (in which case such access, use, copying, or removal shall be only within the limits and to the extent of such duties or consent). Nothing herein shall be construed to prevent disclosure of Confidential Information
            as may be required by applicable law, rule, or regulation or pursuant to the valid order of a court of competent jurisdiction or an authorized government agency, provided that the disclosure does not exceed the extent of disclosure required by such law, rule, regulation, or order. Employee shall promptly provide written notice of any such order to the Chief Financial Officer of
            Company.

         

        (d)          Notwithstanding any other provision of this Agreement:

         

        (i)          Employee will not be held criminally or civilly liable under any
            federal or state trade secret law for any disclosure of a trade secret that (A) is made (1) in confidence to a federal, state, or local government official, either directly or indirectly, or to an attorney and (2) solely for the purpose of
            reporting or investigating a suspected violation of law, or (B) is made in a complaint or other document filed under seal in a lawsuit or other proceeding; and

         

        (ii)          If Employee files a lawsuit for retaliation by Employer for
            reporting a suspected violation of law, Employee may disclose trade secrets to Employee’s attorney and use the trade secret information in the court proceeding if Employee (A) files any document containing trade secrets under seal and (B) does
            not disclose trade secrets, except pursuant to court order.

         

        (e)          Employee understands and acknowledges that Employee’s obligations
            under this Agreement with regard to any particular Confidential Information shall commence, or shall be deemed to have commenced, immediately upon Employee first having access to such Confidential Information (whether before or after the
            Effective Date) and shall continue during and after Employee’s employment by Employer until such time as such Confidential Information has become public knowledge other than as a result of Employee’s breach of this Agreement or a breach by any
            person acting in concert with Employee or on Employee’s behalf.

         

        (f)          At any time upon request by Employer, and in any event upon
            termination of Employee’s employment with Employer, Employee will promptly deliver to Employer all property of or belonging to Company or Bank or their Affiliates, including without limitation all Confidential Information, then in Employee’s
            possession or control.

         

          

        
          10

          
            


        

        8.          Non-Solicitation;

                New Financial Institution; Non-Disparagement.

         

        (a)          Non-Solicitation of Customers.  Employee agrees that, during the period of Employee’s employment by Employer hereunder and, in the event of the termination of Employee’s employment for any reason, for the duration
            of the Post-Termination Period, Employee will not directly or indirectly (except on behalf of or with the prior written consent of Employer), on Employee’s own behalf or in the service of or on behalf of others, solicit, divert, or appropriate,
            or attempt to solicit, divert, or appropriate, any business from any of Company’s or Bank’s customers or any customers of any Affiliate of Company or Bank, including prospective customers actively sought by Company or Bank or any Affiliate of
            Company or Bank with whom Employee has or had contact during the last two years of Employee’s employment with Employer, for purposes of selling, offering, or providing products or services that are competitive with those sold, offered, or
            provided by Company or Bank or any Affiliate of Company or Bank.

         

        (b)          Non-Solicitation of Employees.  Employee agrees that, during the period of Employee’s employment by Employer hereunder and, following the termination of Employee’s employment for any reason, for the duration of the
            Post-Termination Period, Employee will not directly or indirectly (except on behalf of or with the prior written consent of Employer), on Employee’s own behalf or in the service of or on behalf of others, solicit, recruit, or hire away, or
            attempt to solicit, recruit, or hire away, any employee of Company or Bank or any Affiliate of Company or Bank with whom Employee had contact during the last two years of Employee’s employment, regardless of whether such employee is a
            full-time, part-time, or temporary employee of Company or Bank or an Affiliate of Company or Bank or such employee’s employment is pursuant to a written agreement, for a determined period, or at will.

         

        (c)          New Financial Institution.  Employee agrees that, during the period of Employee’s employment by Employer hereunder and, following the termination of Employee’s employment for any reason, for the duration of the
            Post-Termination Period, Employee will not work for or with, consult for, or otherwise be affiliated with or be employed by any person or group of persons proposing to establish a new bank or other financial institution.

         

        (d)          Non-Disparagement.  Employee agrees that, both during the period of Employee’s employment by Employer hereunder and following the termination of Employee’s employment, Employee will not make any disparaging
            statements or remarks (written or oral) about Company or Bank or any Affiliate of Company or Bank or any of their respective officers, directors, employees, shareholders, agents, or representatives. Employer agrees that, following the
            termination of Employee’s employment, Employer will instruct its directors and senior executive officers to refrain from making any disparaging statements or remarks (written or oral) about Employee.

         

        (e)          Modification.  The Parties agree that the provisions of this Agreement represent a reasonable balancing of their respective interests and have attempted to limit the restrictions imposed on Employee to those
            necessary to protect Employer from inevitable disclosure of Confidential Information and/or unfair competition. The Parties agree that, if the scope or enforceability of this Agreement is in any way disputed at any time and an arbitrator,
            court, or other trier of fact determines that the scope of the restrictions contained in this Agreement is overbroad, then such arbitrator, court, or other trier of fact may modify the scope of the restrictions contained in this Agreement.

         

        (f)          Tolling.  Employee agrees that, in the event Employee breaches this Section 8, the Post-Termination Period shall be tolled during, and
            therefore extended by, the period of such breach.

         

          

        
          11

          
            


        

        (g)          Remedies.  Employee agrees that the covenants contained in Section 7 and Section 8
            of this Agreement are of the essence of this Agreement; that each of such covenants is reasonable and necessary to protect the business, interests, and properties of Company and Bank and their respective Affiliates; and that irreparable loss
            and damage may be suffered by Employer should Employee breach any of such covenants. Therefore, Employee agrees and consents that, in addition to all other remedies provided by or available at law or in equity, Employer shall be entitled to a
            temporary restraining order and temporary and permanent injunctions to prevent a breach or contemplated or threatened breach of any of the covenants contained in Section 7
            or Section 8 of this Agreement and that, in such event, Employer shall not be required to post a bond. Employer and Employee agree that all remedies available to
            Employer shall be cumulative.

         

        9.           Severability. 
              The Parties agree that each of the provisions included in this Agreement is separate, distinct, and severable from the other provisions of this Agreement and that the invalidity or unenforceability of any provision of this Agreement shall not
              affect the validity or enforceability of any other provision of this Agreement. Further, if any provision of this Agreement is ruled invalid or unenforceable by a court of competent jurisdiction because of a conflict between the provision and
              any applicable law, rule, regulation, or public policy, the provision shall be redrawn to make the provision consistent with, and valid and enforceable under, such law, rule, regulation, or public policy.

         

        10.         No
                Set-Off by Employee.  The existence of any claim, demand, action, or cause of action by Employee against Company or Bank or any Affiliate of Company or Bank, whether predicated upon this Agreement or otherwise, shall not constitute a
              defense to the enforcement by Employer of any of its rights under this Agreement.

         

        11.         Notices.  All notices, requests, waivers, and other
            communications required or permitted hereunder shall be in writing and shall be either personally delivered; sent by national overnight courier service, postage prepaid, next-business-day delivery guaranteed; or mailed by first class United
            States Mail, postage prepaid return receipt requested, to the recipient at the address below indicated:

        

         

        If to Company or Bank:

        

        

        Reliant Bancorp, Inc.

        Reliant Bank          

        6100 Tower Circle, Suite 120

        Franklin, Tennessee 37067

        Attention: President/CEO

        

        

        If to Employee:

        

        

        To Employee, personally, at the most recent mailing address

        for Employee appearing in the records of Company

        

        

        or to such other address or to the attention of such other person as the recipient Party shall have specified by prior written notice to the sending
            Party. All such notices, requests, waivers, and other communications shall be deemed to have been effectively given: (a) when personally delivered to the Party to be notified; (b) two business days after deposit with a national overnight
            courier service, postage prepaid, addressed to the Party to be notified as set forth above with next-business-day delivery guaranteed; or (c) four business days after deposit in the United States Mail, first class, postage prepaid with return
            receipt requested, at any time other than during a general discontinuance of postal service due to strike, lockout, or otherwise (in which case such notice, request, waiver, or other communication shall be effectively given upon receipt), and
            addressed to the Party to be notified as set forth above.

         

          

        
          12

          
            


        

        12.         Assignment. 

              Each of Company and Bank may assign this Agreement and its rights hereunder, and may delegate is duties and obligations under this Agreement, in each case without the consent of Employee, in connection with the consummation of a Change in
              Control. This Agreement is a personal contract, and neither this Agreement nor the rights, interest, duties, or obligations of Employee hereunder may be assigned or delegated by Employee. Subject to the preceding provisions of this Section 12,
              this Agreement shall be binding upon and shall inure to the benefit of the Parties and their respective successors and permitted assigns.

         

        13.         Waiver. 
              A waiver by a Party of any provision of this Agreement or of any breach of this Agreement by any other Party shall not be effective unless in a writing signed by the Party granting such waiver, and no waiver shall operate or be construed as a
              waiver of the same or any other provision or breach on any other occasion.

         

        14.         Mediation. 
              Except with respect to Section 7, Section 8, and Section 22 hereof and except as provided in Section 15 hereof, in the event of any dispute arising out of or
              relating to this Agreement or a breach hereof, which dispute cannot be settled through direct discussions among the Parties, the Parties agree to first endeavor to settle the dispute in an amicable manner by non-binding, confidential
              mediation before resorting to any other process for resolving the dispute.

         

        15.         Applicable Law and Choice of Forum.  This Agreement shall be governed by and construed and enforced under and in accordance with the laws of the State of Tennessee, without
              regard to or the application of principles of conflicts of laws. The Parties agree that any litigation, suit, action, or proceeding arising out of or related to this Agreement shall be instituted exclusively in the United States District
              Court for the Middle District of Tennessee or the courts of the State of Tennessee sitting in Williamson County, Tennessee, and each Party irrevocably submits to the exclusive jurisdiction of and venue in such courts and waives any objection
              it might otherwise have to the jurisdiction of or venue in such courts.

         

        16.         Interpretation. 
              Words used herein importing any gender include all genders. Words used herein importing the singular shall include the plural and vice versa. When used herein, the terms “herein,” “hereunder,” “hereby,” “hereto,” and “hereof,” and any similar
              terms, refer to this Agreement. When used herein, the term “person” shall include an individual, a corporation, a limited liability company, a partnership, an association, a trust, and any other entity or organization, whether or not
              incorporated. Any captions, titles, or headings preceding the text of any section or subsection of this Agreement are solely for convenience of reference and shall not constitute part of this Agreement or affect its meaning, construction, or
              effect.

         

        17.         Entire

                Agreement.

         

        (a)          This Agreement embodies the entire and final, integrated agreement of the Parties on the subject matter stated in this Agreement and supersedes all prior understandings and agreements (oral and written) of the Parties relating to
              the subject matter of this Agreement. No amendment or supplement to or modification of this Agreement shall be valid or binding upon any Party unless made in writing and signed by all Parties.

         

        18.          Counterparts. 

              This Agreement may be executed in counterparts, each of which shall be deemed an original but all of which together shall be deemed to be one and the same agreement. A signed copy of this Agreement delivered by facsimile, e-mail, or other
              means of electronic transmission shall be deemed to have the same legal effect as delivery of an original manually signed copy of this Agreement.

         

            

        
          13

          
            


        

        19.         Rights

                of Third Parties.  Nothing herein expressed is intended to or shall be construed to confer upon or give to any person, other than the Parties hereto and their respective successors and permitted assigns, any rights or remedies under or
              by reason of this Agreement.

         

        20.         Legal

                Fees.  In the event of any claim, action, suit, or proceeding arising out of or in any way relating to this Agreement, the prevailing Party or Parties shall be entitled to recover from the non-prevailing Party or Parties all reasonable
              fees, expenses, and disbursements, including without limitation reasonable attorneys’ fees and court costs, incurred by such prevailing Party or Parties in connection with such claim, action, suit, or proceeding, in addition to any other
              relief to which such prevailing Party or Parties may be entitled at law or in equity.

         

        21.         Survival. 
              The rights and obligations of the Parties under Sections 4(g), 5(a)(ii), 5(b)(i), 5(g), 6, 7, 8,
              14, 15, 20, 21, 23, 24, and 26 shall survive the expiration and/or termination of this Agreement
              and the termination of Employee’s employment hereunder for the periods expressly designated in such sections or, if no such period is designated, for the maximum period permissible under applicable law.

         

        22.         Representations

                Regarding Restrictive Covenants and Other Agreements.  Employee represents and warrants to Employer that (a) the execution, delivery, and performance of this Agreement by Employee do not and shall not conflict with, breach, violate, or
              cause a default under any contract, agreement, instrument, order, judgment, or decree to which Employee is a party or by which Employee is bound and (b) Employee is not, and will not become, a party to or bound by (i) any employment,
              non-competition, non-solicitation, or confidentiality agreement with any other person or (ii) any other agreement which would prohibit or impair Employee from providing or performing for Employer the services contemplated by this Agreement.

         

        23.         Section

                409A.  Notwithstanding anything in this Agreement to the contrary, the following provisions shall apply to all benefits and payments provided under this Agreement by Employer to Employee:

         

        (a)          The payment (or commencement of a series of payments) hereunder of any non-qualified deferred compensation (within the meaning of Section 409A of the Code) upon a termination of employment shall not commence until such time as
              Employee has also undergone a Separation from Service, at which time such non-qualified deferred compensation (calculated as of the date of Employee’s termination of employment hereunder) shall be paid (or commence to be paid) to Employee as
              set forth in this Agreement as if Employee had undergone such termination of employment (under the same circumstances) on the date of Employee’s ultimate Separation from Service.

         

        (b)          If Employee is a specified employee (as determined by Employer in accordance with Section 409A of the Code and Treasury Regulations § 1.409A-3(i)(2)) as of Employee’s Separation from Service with Employer, and if any payment,
              benefit, or entitlement provided for in this Agreement or otherwise both (i) constitutes non-qualified deferred compensation (within the meaning of Section 409A of the Code) and (ii) cannot be paid or provided in a manner otherwise provided
              herein without subjecting Employee to additional tax or interest (or both) under Section 409A of the Code, then any such payment, benefit, or entitlement that is payable during the first six months following the Separation from Service shall
              be paid or provided to Employee in a lump sum cash payment to be made on the earlier of (x) Employee’s death and (y) the first business day of the seventh month immediately following Employee’s Separation from Service.

         

            

        
          14

          
            


        

        (c)          Any payment or benefit paid or provided under this Agreement due to a Separation from Service that is exempt from Section 409A of the Code pursuant to Treasury Regulations § 1.409A-1(b)(9)(v) will be paid or provided to Employee
              only to the extent that expenses are not incurred or the benefits are not provided beyond the last day of Employee’s second taxable year following Employee’s taxable year in which the Separation from Service occurs, provided that Employer reimburses such expenses no later than the last day of the third taxable
              year following Employee’s taxable year in which Employee’s Separation from Service occurs.

         

        (d)          It is the Parties’ intent that the payments, benefits, and entitlements to which Employee could become entitled in connection with Employee’s employment under this Agreement be exempt from or comply with Section 409A of the Code
              and the regulations and other guidance promulgated thereunder, and, accordingly, this Agreement will be interpreted to be consistent with such intent. For purposes of the limitations on non-qualified deferred compensation under Section 409A
              of the Code, each payment of compensation under this Agreement shall be treated as a separate payment of compensation for purposes of applying the exclusion under Section 409A of the Code for short-term deferral amounts, the separation pay
              exception, or any other exception or exclusion under Section 409A of the Code.

         

        (e)          While the payments and benefits provided for hereunder are intended to be structured in a manner to avoid the implication of any penalty taxes under Section 409A of the Code, in no event whatsoever shall Company or Bank or their
              respective Affiliates be liable for any additional tax, interest, or penalties that may be imposed on Employee as a result of Section 409A of the Code or any damages for failing to comply with Section 409A of the Code (other than for
              withholding obligations or other obligations applicable to employers, if any, under Section 409A of the Code).

         

        (f)           No deferred compensation payments provided for under this Agreement shall be accelerated to Employee, except as permitted by Treasury Regulations § 1.409A-3(j)(4).

         

        (g)          Notwithstanding any other provision of this Agreement to the contrary, in no event shall any payment under this Agreement that constitutes “deferred
              compensation” for purposes of Section 409A of the Code be subject to offset by any other amount unless permitted by Section 409A of the Code.

         

        24.         Tax
                Matters.

         

        (a)          Withholding of Taxes.  Employer may deduct and withhold from any amounts payable under this Agreement all federal, state, city, or other taxes Employer is required to deduct or withhold pursuant to applicable law,
            rule, regulation, or ruling.

         

        (b)          Excise Tax.

         

        (i)          In the event that any payments or benefits provided or to be provided
            by Company or Bank or their respective Affiliates to Employee or for Employee’s benefit pursuant to the terms of this Agreement or otherwise (“Covered
              Payments”) constitute “parachute payments” within the meaning of Section 280G of the Code (or any successor provision thereto) and would, but for this Section 24(b),
            be subject to the excise tax imposed by Section 4999 of the Code (or any successor provision thereto) or any similar tax imposed by state or local law or any interest or penalties with respect to such taxes (collectively, the “Excise Tax”), then the Covered Payments shall be reduced (but not below zero) to the minimum extent necessary to ensure that no portion of
            the Covered Payments is subject to the Excise Tax.

         

          

        
          15

          
            


        

        (ii)         The Covered Payments shall be reduced in a manner that maximizes
            Employee’s economic position. In applying this principle, the reduction shall be made in a manner consistent with the requirements of Section 409A of the Code, and where two economically equivalent amounts are subject to reduction but payable
            at different times, such amounts shall be reduced on a pro rata basis but not below zero.

         

        (iii)        If, notwithstanding any reductions described in this Section 24(b), the IRS determines that any Covered Payment constitutes an excess parachute payment (as defined by Section 280G(b) of the Code), then this Section 24(b) shall be reapplied based on the IRS’ determination and Employee shall be obligated to pay back to Employer, within 30 days after a final IRS determination or,
            in the event that Employee challenges the final IRS determination, a final judicial determination, the portion of the Covered Payment required to avoid imposition of the Excise Tax.

         

        (iv)        Any determination required under this Section 24(b), including whether any payments or benefits are parachute payments, shall be made by Employer in its sole discretion. Employee shall provide Employer with such information and
            documents as Employer may reasonably request in order to make a determination under this Section 24(b). Employer’s determinations shall be final and binding on
            Employer and Employee.

         

        25.          Regulatory

                Restrictions.  The Parties expressly acknowledge and agree that (a) any and all payments contemplated by this Agreement are subject to and conditioned upon their compliance with 12 U.S.C. § 1828(k) and 12 C.F.R. Part 359, as such laws
              and regulations may be amended from time to time, and (b) the obligations of the Parties under this Agreement are generally subject to such conditions, restrictions, and limitations as may be imposed from time to time by applicable state
              and/or federal banking laws, rules, and regulations.

         

        26.         Right
                to Contact.  Employee acknowledges and agrees that Employer shall retain and have the right to contact any new or potential employer of Employee (or other business) and apprise such person of Employee’s responsibilities and
            obligations owed under this Agreement.

         

        (Signature Page Follows)

         

          

        
          16

          
            


        

      

      IN WITNESS WHEREOF, the Parties have executed and delivered this Agreement effective as of the date first written above.

       

      	
              COMPANY:

            	
              RELIANT BANCORP, INC.

            
	 	 
	 	
              By: /s/ DeVan D. Ard, Jr.

            


      	 	

            	
              DeVan D. Ard, Jr.

            
	 	
              

              

            	
              President and Chief Executive Officer

            
	 	 
	
              BANK:

            	
              RELIANT BANK

            
	 	 
	 	
              By: /s/ DeVan D. Ard, Jr.

            


      	 	 	
              DeVan D. Ard, Jr.

            
	 	
              

              

            	
              President and Chief Executive Officer

            
	 	 
	
              EMPLOYEE:

            	 
	 	 
	 	
              

              

            	
              /s/ David A. Kowalski

            
	 	
              

              

            	
              David A. Kowalski

            


      
         

        

        (Signature Page to Kowalski Employment Agreement)

      

       

        

       

        

      17