SmartBank: Financial Reports & UBPR Data
BankRegReports is independent of SmartBank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
SmartBank, based in Pigeon Forge, Tennessee, reported $6.1 billion in assets at June 30, 2026, up 11.3% from a year earlier. It holds about half of its deposits (48%) above the FDIC insurance limit, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also holds common equity equal to 11.38% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
Earnings jumped: net income for the quarter was $18 million, 43% above the same quarter a year earlier. Over the same year, loans grew 13.6% and deposits grew 10.6%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, SmartBank reported a CET1 capital ratio of 11.38%, a return on assets of 1.21%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 1.89%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2430 Teaster Ln, Pigeon Forge, TN 37863
- County
- Sevier
- Metro Area
- Sevierville, TN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 8, 2007
- Offices
- 43 domestic
- Employees (FTE)
- 609
- Domestic deposits
- $5.39B
- Allowance for credit losses
- $45.3M
- Net charge-offs (YTD)
- $721K
- Average total assets
- $5.93B
- Average total loans
- $4.56B
- Average interest-bearing deposits
- $4.24B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 8, 2007
- FDIC Cert
- 58463
- Fed RSSD
- 3532641
- SEC CIK
- 1038773 → filed by SMARTFINANCIAL, INC.
- Website
- http://www.smartbank.com →
- Parent Holding Company
- SMARTFINANCIAL, INC. (RSSD 1131497) · SMBK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Carroll William Young Jr. | CEO | PRESIDENT AND CEO |
| Welborn Wesley Miller | CHR | CHAIRMAN OF THE BOARD |
| Ronald J Gorczynski | CFO | EVP & CHIEF FINANCIAL OFFICER |
| Rhett D. Jordan | CCO | EVP & CHIEF CREDIT OFFICER |
| Jarrod M Trumpp | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full SmartBank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock SmartBank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
SmartBank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for SmartBank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.38% | 1.21% | 0.24% | 1.89% | 3.62% |
| Q1 2026 | 11.47% | 1.06% | 0.27% | 2.06% | 3.55% |
| Q4 2025 | 11.51% | 1.07% | 0.22% | 1.66% | 3.52% |
| Q3 2025 | 11.56% | 1.10% | 0.24% | 1.81% | 3.37% |
| Q2 2025 | 10.41% | 0.94% | 0.19% | 1.65% | 3.31% |
| Q1 2025 | 10.51% | 0.92% | 0.20% | 1.69% | 3.20% |
| Q4 2024 | 10.51% | 0.83% | 0.20% | 1.77% | 3.29% |
| Q3 2024 | 10.92% | 0.82% | 0.25% | 2.13% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 42 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sevier County Main Office Branch | Sevierville , TN | 37862 | $435.1M |
| SmartBank (main office) | Pigeon Forge , TN | 37863 | $289.5M |
| Auburn Branch | Auburn , AL | 36830 | $288.4M |
| Bearden Branch | Knoxville , TN | 37919 | $282.4M |
| Tuscaloosa University Branch | Tuscaloosa , AL | 35401 | $277.5M |
| Northport Branch | Northport , AL | 35476 | $242.3M |
| Montgomery Branch | Montgomery , AL | 36104 | $220.0M |
| Crossville Branch | Crossville , TN | 38555 | $218.4M |
| Sevierville Branch | Sevierville , TN | 37862 | $217.2M |
| Gatlinburg Branch | Gatlinburg , TN | 37738 | $201.3M |
| Dothan Branch | Dothan , AL | 36301 | $192.5M |
| Gunbarrel Road Branch | Chattanooga , TN | 37421 | $158.7M |
| Maryville's Foothills Branch | Maryville , TN | 37801 | $152.5M |
| Birmingham Branch | Birmingham , AL | 35223 | $146.0M |
| Hixson Branch | Hixson , TN | 37343 | $141.8M |
| Chattanooga Miller Plaza Branch | Chattanooga , TN | 37402 | $138.3M |
| Cedar Bluff Branch | Knoxville , TN | 37922 | $124.8M |
| Pensacola Branch | Pensacola , FL | 32502 | $110.2M |
| Dolly Parton Parkway Branch | Sevierville , TN | 37862 | $103.2M |
| Fairhope Branch | Fairhope , AL | 36532 | $102.5M |
| Destin Branch | Destin , FL | 32541 | $98.7M |
| Wartburg Branch | Wartburg , TN | 37887 | $97.9M |
| Cookeville Branch | Cookeville , TN | 38501 | $97.4M |
| Huntsville Branch | Huntsville , AL | 35801 | $85.9M |
| Indian Hills Branch | Tuscaloosa , AL | 35406 | $74.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2021 | Structure Change | Acquired Sevier County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2020 | Structure Change | Acquired Progressive Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2018 | Structure Change | Acquired Foothills Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2018 | Structure Change | Acquired Southern Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2017 | Structure Change | Acquired Capstone Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 27, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 27, 2016 | Structure Change | Acquired Cornerstone Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 20, 2012 | Structure Change | Acquired Gulfsouth Private Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 19, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for SmartBank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action June 21, 2018. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in TN, rank 12 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,348 applications, 1,023 loans originated, $354.9M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.7M approved, $2.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows SmartBank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare SmartBank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about SmartBank
What are SmartBank's total assets?
As of the Q2 2026 filing, SmartBank reported total assets of $6.11 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is SmartBank headquartered?
SmartBank is headquartered in Pigeon Forge, TN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was SmartBank founded?
SmartBank was established in 2007, per the FDIC institution directory.
Is SmartBank FDIC-insured?
Yes. SmartBank is an FDIC-insured commercial bank (FDIC Certificate #58463). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates SmartBank?
SmartBank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is SmartBank's CET1 capital ratio?
SmartBank reported a Common Equity Tier 1 (CET1) capital ratio of 11.38% in its Q2 2026 call report, above regulatory requirements.
How many branches does SmartBank operate?
SmartBank operates 43 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is SmartBank's Texas Ratio?
SmartBank's Texas Ratio is 1.89% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on SmartBank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock SmartBank, freeFree account