SMARTBANK

PIGEON FORGE, TN | Large | Est. Jan. 8, 2007, midnight | FDIC #58463 | RSSD #3532641 | FED
Latest Report: 2025-12-31

SMARTBANK is aln large FDIC-insured commercial bank headquartered in PIGEON FORGE, TN, established in Jan. 8, 2007, midnight. As of 2025-12-31, the bank reported total assets of $5.9B and total deposits of $5.2B. Profitability stands at 1.06% ROA and 9.87% ROE, with a net interest margin of 3.51%. The bank's CET1 capital ratio is 11.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 1.43%. FDIC Certificate #58463.

Assets

$5.9B

Deposits

$5.2B

Loans

$4.4B

Equity

$632M

Profitability

Return on Assets (ROA) 1.06%
Return on Equity (ROE) 9.87%
Net Interest Margin (NIM) 3.51%
Yield on Assets 5.65%
Cost of Funds 3.12%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio 0.07%
Texas Ratio 1.43%
NPA Ratio 0.16%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 11.51%
Tier 1 Capital 11.51%
Total Capital Ratio 12.32%
Leverage Ratio 9.71%
Loan-to-Deposit 84.74%

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