SmartBank
Pigeon Forge, TN · State Bank, Federal Reserve Member · Part of SMARTFINANCIAL INC
Summary
- Total assets: $6.1 billion
- Total deposits: $5.4 billion
- Total loans: $4.7 billion
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 11.0% |
| Multifamily | 5.2% |
| Owner-occupied commercial real estate | 22.7% |
| Non-owner-occupied commercial real estate | 22.2% |
| Residential | 19.0% |
| Commercial & industrial | 17.6% |
| Consumer & other | 2.3% |
Health indicators
- Tier 1 leverage ratio: 9.86%
- Total risk-based capital ratio: 12.30%
- Noncurrent loans: 0.24%
- Net charge-offs: 0.03%
- Return on assets: 1.12%
Local footprint
| County | Branches | Deposits |
|---|---|---|
| Escambia, FL | 1 | $110 million |
| Okaloosa, FL | 1 | $99 million |
| Bay, FL | 1 | $58 million |
| Leon, FL | 1 | $35 million |