SmartFinancial Inc

SmartFinancial, Inc. (NYSE: SMBK) is a bank holding company for SmartBank, a full-service commercial bank founded in 2007. SmartBank operates 42 branches across Tennessee, Alabama, and Florida, with loan production offices in Tennessee and Georgia. The company provides commercial banking services including commercial real estate lending, construction and land development financing, commercial and industrial loans, consumer real estate lending, equipment finance through its Fountain Equipment Finance subsidiary, dealer floor plan lending, mortgage banking, wealth and private banking (~$1.6 billion in assets under management), treasury management (>$700 million in analyzed deposits), investment services, and insurance commissions. With approximately $6.1 billion in total assets, $4.7 billion in total loans, and $5.4 billion in total deposits, SmartBank serves attractive Southeast markets experiencing strong population migration including Knoxville, Nashville, Chattanooga, Huntsville, Birmingham, Montgomery, Tuscaloosa, Mobile, Pensacola, Tallahassee, and other markets. The company has grown from $1.0 billion in assets in 2015 through a combination of organic growth, strategic acquisitions (including four bank acquisitions and the Cornerstone merger-of-equals), and de novo market expansion into seven new markets. Its current strategic focus is on leveraging existing infrastructure investments to drive profitability and optimize efficiency through strategic hiring, enhanced commercial banking sales processes, and targeted business relationship generation. Updated Jul 20, 2026