SmartFinancial
SmartFinancial, Inc. is a Knoxville-based bank holding company operating SmartBank, a $5.91 billion-asset regional commercial bank with 42 branches across Tennessee, Alabama, Florida, and Georgia serving SMB and consumer customers with traditional banking and specialty construction equipment lending.
- Company typePublic
- Founded2007
- HeadquartersKnoxville, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What SmartFinancial does
SmartFinancial, Inc. is a Knoxville, Tennessee-based financial holding company (NYSE: SMBK) that operates through its primary subsidiary SmartBank, a full-service commercial bank serving consumers and small-to-medium businesses across the Southeast. Founded in 2007, the company has grown to $5.91 billion in total assets as of March 31, 2026, operating 42 branches and two loan production offices across Tennessee, Alabama, Florida, and Georgia. The company's product set spans personal banking (checking, savings, mortgages, personal loans, credit cards), business banking (business checking and savings, business loans, SBA loans, treasury management), and specialty construction equipment financing acquired through Fountain Leasing, LLC in 2021.
SmartFinancial generates revenue primarily through net interest income on its loan portfolio and deposit-related fees, with pricing structured around individually negotiated commercial and consumer relationships rather than published rate sheets. Distribution combines a physical 42-branch regional network with digital and e-banking platforms, supported by division presidents overseeing Tennessee, Alabama, and Florida/South Alabama markets. Strategic positioning emphasizes relationship-driven banking under the 'SmartBank Way' culture, with FORTUNE 2025 Top 100 Best Workplaces recognition as a brand differentiator.
The company has pursued a dual-track growth model combining organic balance sheet expansion with selective M&A — acquiring Capstone Bancshares (2017), Foothills Bancorp, Sevier County Bank (2021), and Fountain Leasing (2021) — alongside prudent capital return through a quarterly dividend (raised 12.5% in April 2026) and a $10 million share repurchase program authorized in January 2026. Governance is anchored by an experienced regional banking leadership team, with the CEO holding a seat on the Federal Reserve Bank of Atlanta board and chairing the Tennessee Bankers Association.
SmartFinancial firmographics
Firmographics- Name
- SmartFinancial
- Legal name
- SmartFinancial, Inc.
- Website
- https://smartfinancialinc.com
- Company type
- Public
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- SmartFinancial, Inc. is a Knoxville-based bank holding company operating SmartBank, a $5.91 billion-asset regional commercial bank with 42 branches across Tennessee, Alabama, Florida, and Georgia serving SMB and consumer customers with traditional banking and specialty construction equipment lending.
- Ownership category
- akta.pro rank
Where SmartFinancial is headquartered
LocationHeadquarters
- HQ city
- Knoxville
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
SmartFinancial business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Distribution channels2 records
Marketing channels1 record
SmartFinancial product offering
Product offeringCore offering
SmartFinancial is a bank holding company that operates through its subsidiary SmartBank to deliver relationship-driven commercial and consumer banking services. Its offering includes personal and business checking and savings accounts, mortgages, personal and business loans, credit cards, SBA-backed loans, treasury management, and specialty construction equipment financing to small and medium businesses across Tennessee, Alabama, Florida, and Georgia.
Product overview
SmartFinancial, Inc. is a financial holding company (NYSE: SMBK) headquartered in Knoxville, Tennessee, with assets exceeding $5.5 billion. The company operates through its primary banking subsidiary SmartBank, which offers a comprehensive suite of banking products including personal checking, personal savings, personal mortgages, personal loans, credit cards, business checking, business savings, business loans, treasury management, and SBA loans. SmartBank operates 42 branches and two loan production offices across Tennessee, Alabama, Florida, and Georgia. The company also offers digital banking and e-banking services. Through its Fountain Leasing acquisition, SmartBank has developed specialty lending capabilities focused on construction equipment financing for small and medium businesses in the Southeast. The company follows a 'SmartBank Way' approach emphasizing relationship-driven banking solutions and prudent capital deployment with organic market growth and strategic acquisitions.
Differentiator
Problem solved
Functional benefit
Products and services
- SmartBank Personal Checking Personal checking accounts offering everyday banking services for individual consumers.
- SmartBank Personal Savings Personal savings accounts for individual consumers to deposit and grow their money.
- SmartBank Personal Mortgages Mortgage lending products for individuals purchasing or refinancing residential properties.
- SmartBank Personal Loans Personal loan products for individual consumers including various lending solutions.
- SmartBank Credit Cards Credit card products for both personal and business customers.
- SmartBank Business Checking Business checking accounts designed for commercial businesses with various features and services.
- SmartBank Business Savings Business savings accounts for commercial businesses to deposit and grow funds.
- SmartBank Business Loans Commercial lending products including various business financing solutions.
- SmartBank Treasury Management Cash management and treasury services for business customers including liquidity management and payment solutions.
- SmartBank SBA Loans SBA-backed loans supporting small business growth and expansion.
- SmartBank Digital Banking Online and mobile banking platform for customers to access accounts, make transactions, and manage finances digitally.
- SmartBank E-Banking Electronic banking services for customers to conduct financial transactions online.
- SmartBank Construction Equipment Financing Specialty lending platform focusing on construction equipment financing for small and medium businesses in the Southeast.
Companies that use SmartFinancial
Customer profileSegments2 records
Ideal customer profiles2 records
SmartFinancial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
SmartFinancial partnerships and signals
Strategic signalScale indicators8 records
Recent moves7 records
Expansion highlights5 records
SmartFinancial competitors and assessment
Company assessmentMarket position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key highlights7 records
Customer concentration
SmartFinancial social profiles
Digital presenceSmartFinancial financial estimates
Financial estimateRevenue estimate
Valuation estimate
SmartFinancial leadership team
Management profileNumber of profiles
Profiles19 records
SmartFinancial subsidiaries and ownership
Company hierarchySubsidiaries5 records
SmartFinancial funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SmartFinancial M&A and investment
M&A and investmentM&A4 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SmartFinancial
What does SmartFinancial do?
SmartFinancial is a bank holding company that operates through its subsidiary SmartBank to deliver relationship-driven commercial and consumer banking services. Its offering includes personal and business checking and savings accounts, mortgages, personal and business loans, credit cards, SBA-backed loans, treasury management, and specialty construction equipment financing to small and medium businesses across Tennessee, Alabama, Florida, and Georgia.
Is SmartFinancial a public or private company?
SmartFinancial is a public company. It is classified as public and is currently operating.
When was SmartFinancial founded?
SmartFinancial was founded in 2007. It employs 501 to 1,000 people.
Where is SmartFinancial based?
SmartFinancial is headquartered in Knoxville, United States, in the North America region.
Does SmartFinancial have an API?
No public API is recorded for SmartFinancial.