SmartBank
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 is an FDIC-insured commercial bank headquartered in Pigeon Forge, TN, established in 2007 (FDIC certificate 58463), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $6.11B, up 11.3% from Q2 2025, the 4th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 11.38% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 58463
- Headquarters
- Pigeon Forge, TN
- Established
- 2007
- Total assets, Q2 2026
- $6.11B
- Assets vs Q2 2025
- +11.3%
- CET1 ratio, Q2 2026
- 11.38%
- Domestic offices
- 43 FDIC institution directory, current count
- Routing number
- 064209216
- Latest call report
- Q2 2026, FFIEC 041 · SmartBank call report
- Holding company
- SMARTFINANCIAL, INC.
- Asset rank in state
- 4th of 109 in Tennessee
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%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, SmartBank is the 4th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.5% to $6.11B, loans rose 3.7% and deposits rose 3.7%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 22.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 22.2%. Its 42 offices in the FDIC Summary of Deposits are in 36 cities across 3 states; its Sevierville 3 offices book 14% of its branch deposits. On its Q2 2026 call report, SmartBank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 43 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
SmartBank's total assets moved between a low of $4.79B (Q3 2023) and a high of $6.11B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.11B total assets against $5.49B; $5.45B total liabilities against $4.93B.
$4.65B net loans and leases against $4.09B; $5.39B total deposits against $4.88B.
$679.9M securities against $626.7M; $379.4M cash and balances due against $365.0M.
$78.0M total interest income against $69.5M; $28.1M total interest expense against $28.3M.
$49.9M net interest income against $41.2M.
$7.8M total noninterest income against $8.9M; $33.6M total noninterest expense against $32.2M.
$1.5M provision for credit losses against $2.4M.
$18.0M net income against $12.6M.
1.21% return on assets against 0.94%; 3.62% net interest margin against 3.31%.
11.38% CET1 capital ratio against 10.41%; 9.86% tier 1 leverage ratio against 8.89%.
Inside the full SmartBank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 242 of 4,196, for total assets; its furthest is 1,870 of 2,134, for CET1 ratio.
Metric pages for SmartBank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.82% (Q3 2024) to 1.21% (Q2 2026) and its net interest margin ran from 3.17% (Q3 2024) to 3.62% (Q2 2026).
| 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
View all 42 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows SmartBank’s latest filed figures and updates each quarter.
Similar banks
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.
Where is SmartBank headquartered?
It is headquartered in Pigeon Forge, TN, United States.
When was SmartBank founded?
It was established in 2007, per the FDIC institution directory.
Is SmartBank FDIC-insured?
Yes. It 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.
What is SmartBank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 1.89% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on SmartBank.
Get an email when SmartBank files its next call report, and benchmark it against any peer you choose.
Unlock SmartBank, freeFree account