SMARTFINANCIAL INC.
SmartFinancial, Inc. (NASDAQ: SMFN) operates as a bank holding company headquartered in Pigeon Forge, Tennessee, with its primary subsidiary being SmartBank, a Tennessee-chartered commercial bank established in 2007. The company's website is www.smartbank.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What SMARTFINANCIAL INC. does
In the company’s own words
SmartFinancial, Inc. (NASDAQ: SMFN) operates as a bank holding company headquartered in Pigeon Forge, Tennessee, with its primary subsidiary being SmartBank, a Tennessee-chartered commercial bank established in 2007. The company's website is www.smartbank.com.
SmartFinancial's core business centers on traditional community banking services delivered through a network of 42 full-service bank branches and two loan production offices across East and Middle Tennessee, Alabama, Florida, and Georgia. The company attracts deposits from retail and commercial customers and deploys those funds primarily into a diversified loan and lease portfolio totaling approximately $4.3 billion as of December 31, 2025, representing roughly 74 percent of total assets.
The lending portfolio encompasses commercial real estate loans for both owner-occupied and non-owner-occupied properties, consumer real estate mortgages, construction and land development financing, commercial and industrial loans, equipment leases, and consumer installment loans. SmartBank also originates residential mortgage loans for the secondary market. The company maintains a wholly-owned subsidiary, Fountain Equipment Finance, LLC, which provides loans and leases for heavy equipment, semi-trucks, and trailers to small and medium-sized businesses throughout the Southeast, with offices in Knoxville, Atlanta, Memphis, Nashville, and Birmingham.
Beyond lending, SmartFinancial offers comprehensive deposit products including checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. The company provides investment services through a partnership with Raymond James Financial Services and maintains access to Federal Home Loan Bank advances and federal funds markets for liquidity management.
As of December 31, 2025, SmartFinancial employed 581 full-time and 8 part-time associates. The company's strategic approach emphasizes organic growth in loans, leases, and deposits combined with disciplined merger and acquisition activity to expand its community banking platform. SmartFinancial operates under comprehensive federal and state regulation, including oversight by the Federal Reserve and the Tennessee Department of Financial Institutions, and maintains well-capitalized status under regulatory standards.
Company details
- Sector
- Financials
- Industry
- Commercial Banks
- Headquarters
- KNOXVILLE, TN
- Fiscal year end
- December
- CIK
- 1038773
- SIC
- 6021
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns SMARTFINANCIAL INC. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · SMARTFINANCIAL INC.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
Compare this company with peers, find it in your funds and follow its financial history with your connected AI:
- “How do SMARTFINANCIAL INC. and its peers compare on margins and cash generation over ten years?”
- “Where did five years of SMARTFINANCIAL INC.'s earnings go — cash, debt, buybacks, reinvestment?”
- “What changed in SMARTFINANCIAL INC.'s last four quarterly filings that the numbers alone won't show?”