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Smartbank
Pigeon Forge, TN · FDIC Certificate #58463 · Chartered 01/0
Total assets
$6.11B
Total deposits
$5.39B
Total equity
$657.64M
Net loans
$4.65B
Branches (offices)
42
Net income (YTD)
$33.32M
Rank: #248 of 4,213 U.S. banks by assets · #4 of 109 in Tennessee. Assets changed 11.3% and deposits 10.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 10.34% |
| Net interest margin (YTD) | 3.56% |
| Equity to assets | 10.77% |
| Tier 1 leverage ratio | 9.86% |
| Uninsured deposits (share of deposits) | 47.9% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 86.2% |
| Real estate loans (share of loans) | 81.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.78B | 81.3% | |
| Commercial & industrial | $824.88M | 17.7% | |
| Consumer / individual | $20.80M | 0.4% | |
| Construction & development | $516.16M | 11.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.79B | $4.29B | $19.92M | $459.40M |
| Jun 2023 | $4.74B | $4.21B | $22.23M | $487.29M |
| Jun 2024 | $4.88B | $4.32B | $19.32M | $509.47M |
| Jun 2025 | $5.49B | $4.88B | $24.64M | $552.26M |
| Jun 2026 | $6.11B | $5.39B | $33.32M | $657.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $3.22B | 24 |
| Alabama | $1.87B | 14 |
| Florida | $301.65M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.39B.
Similar-sized banks
Cfg Bank ($6.12B) · Bradesco Bank ($6.10B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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