What is SmartBank's financial health grade?

SmartBank has a TFS Financial Health Grade of C (score: 73.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does SmartBank have?

SmartBank has 43 branch locations across the United States.

Is SmartBank FDIC insured?

Yes, SmartBank is FDIC insured (Certificate #58463).

What are the total assets of SmartBank?

SmartBank has total assets of $5.9B as reported in its most recent FDIC filing.

SmartBank

BankPigeon Forge, Tennessee

http://www.smartbank.com

Total Assets

$5.9B

Total Deposits

$5.2B

Branches

Established

2007

TFS Health Grade

73.5 / 100

Average financial health

How we grade

SmartBank is a bank headquartered in Pigeon Forge, Tennessee, established in 2007. With $5.9B in total assets and 43 branch locations, it has a TFS Financial Health Grade of C (73.5/100).

Capital & Safety

Tier 1 Capital Ratio

9.71%(8%)

Total Capital Ratio

12.32%(10%)

Non-Performing Loan Ratio

0.22%

Profitability

Return on Assets (ROA)

1.00%(1%)

Return on Equity (ROE)

9.70%(10%)

Net Interest Margin

3.36%

Efficiency Ratio

60.94%(60%)

Lending & Liquidity

Total Loans

$4.4B

Loan-to-Deposit Ratio

83.95%

Net Charge-Off Ratio

0.08%

Growth

Asset Growth (YoY)

+11.02%

Deposit Growth (YoY)

+10.05%

Net Income

$55.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
SmartBankHQ	2430 Teaster Ln	Pigeon Forge	TN	11
SmartBank	1940 East Samford Ave	Auburn	AL	11
SmartBank	101 Office Park Dr	Birmingham	AL	11
SmartBank	16780 Jordan Street	Chatom	AL	11
SmartBank	170 East Main St	Dothan	AL	11
SmartBank	106 Ecor Rouge Pl Shop Ctr	Fairhope	AL	11
SmartBank	300 Clinton Ave W	Huntsville	AL	11
SmartBank	1600 College Ave	Jackson	AL	11
SmartBank	158 Commerce Street	Mcintosh	AL	11
SmartBank	3704 Dauphin St	Mobile	AL	11
SmartBank	207 Montgomery Street	Montgomery	AL	11
SmartBank	2000 Lurleen B Wallace Blvd	Northport	AL	11
SmartBank	33219 Highway 43	Thomasville	AL	12
SmartBank	230 Mcfarland Cir N	Tuscaloosa	AL	11
SmartBank	2301 University Blvd	Tuscaloosa	AL	11
SmartBank	34990 Emerald Coast Pkwy	Destin	FL	11
SmartBank	2713 Highway 77	Panama City	FL	11
SmartBank	201 N Palafox St	Pensacola	FL	11
SmartBank	2375 Centerville Rd.	Tallahassee	FL	11
SmartBank	109 Associates Blvd	Alcoa	TN	11
SmartBank	278 Franklin Rd	Brentwood	TN	11
SmartBank	2280 Gunbarrel Rd	Chattanooga	TN	11
SmartBank	835 Georgia Ave	Chattanooga	TN	11
SmartBank	3200 Keith St Nw	Cleveland	TN	11
SmartBank	1080 Interstate Dr	Cookeville	TN	11
SmartBank	807 N Main St	Crossville	TN	11
SmartBank	4154 Ringgold Rd	East Ridge	TN	11
SmartBank	9050 Carothers Pkwy	Franklin	TN	11
SmartBank	570 E Parkway	Gatlinburg	TN	11
SmartBank	5319 Highway 153	Hixson	TN	11
SmartBank	500 N Main St	Jamestown	TN	11
SmartBank	5401 Kingston Pike	Knoxville	TN	11
SmartBank	202 Advantage Pl	Knoxville	TN	11
SmartBank	11216 Kingston Pike	Knoxville	TN	11
SmartBank	214 Keller Ln	Maryville	TN	11
SmartBank	1605 Medical Center Pkwy	Murfreesboro	TN	11
SmartBank	8966 Old Lee Hwy	Ooltewah	TN	11
SmartBank	111 E Main St	Sevierville	TN	11
SmartBank	710 Dolly Parton Pkwy	Sevierville	TN	11
SmartBank	1011 Parkway	Sevierville	TN	11
SmartBank	11403 Chapman Hwy	Seymour	TN	11
SmartBank	1400 N Jackson St	Tullahoma	TN	11
SmartBank	705 Main St	Wartburg	TN	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.