Headquartered in Pigeon Forge, Tennessee, SmartBank is a state-chartered bank (fed member) with $6.1B in total assets and $5.4B in deposits as of Q2 2026. It operates 43 offices across 3 states. Its charter dates back to 2007.
Based on its Q2 2026 filing, SmartBank scores 66/100, which we describe as moderate. That is higher than only 40% of 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 74th. Its strongest component is problem-loan coverage (97/100; 1.6%), and its lowest is funding & liquidity (38/100; 86% loans-to-deposits, 48% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (63 → 66), mostly because the capital cushion component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 62 |
| Q4 2024 | 62 |
| Q1 2025 | 62 |
| Q2 2025 | 63 |
| Q3 2025 | 65 |
| Q4 2025 | 65 |
| Q1 2026 | 65 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.11% |
| Q3 2024 | 9.17% |
| Q4 2024 | 8.94% |
| Q1 2025 | 8.77% |
| Q2 2025 | 8.89% |
| Q3 2025 | 9.59% |
| Q4 2025 | 9.71% |
| Q1 2026 | 9.88% |
| Q2 2026 | 9.86% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.20% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.24% |
| Q4 2025 | 0.22% |
| Q1 2026 | 0.27% |
| Q2 2026 | 0.24% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.80% |
| Q1 2025 | 0.90% |
| Q2 2025 | 0.91% |
| Q3 2025 | 0.97% |
| Q4 2025 | 1.00% |
| Q1 2026 | 1.04% |
| Q2 2026 | 1.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $6.1B | 9.86% | 0.24% | 1.12% | 86.2% |
| Q1 2026 | 65 | $5.9B | 9.88% | 0.27% | 1.04% | 86.2% |
| Q4 2025 | 65 | $5.9B | 9.71% | 0.22% | 1.00% | 83.9% |
| Q3 2025 | 65 | $5.8B | 9.59% | 0.24% | 0.97% | 82.1% |
| Q2 2025 | 63 | $5.5B | 8.89% | 0.19% | 0.91% | 83.9% |
| Q1 2025 | 62 | $5.4B | 8.77% | 0.20% | 0.90% | 82.2% |
| Q4 2024 | 62 | $5.3B | 8.94% | 0.20% | 0.80% | 82.6% |
| Q3 2024 | 62 | $4.9B | 9.17% | 0.25% | 0.80% | 85.2% |
| Q2 2024 | 63 | $4.9B | 9.11% | 0.19% | 0.79% | 81.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wilson Bank and TrustBank Lebanon, TN | 72 out of 100, Strong | $6.0B | 10.8% | 0.63% | vs |
| SouthEast BankBank Farragut, TN | 36 out of 100, Low | $3.6B | 8.5% | 2.66% | vs |
| Lawrence BankBank Nashville, TN | 69 out of 100, Moderate | $3.0B | 9.8% | 0.17% | vs |
| Home Federal Bank of TennesseeBank Knoxville, TN | 57 out of 100, Moderate | $2.7B | 17.2% | 3.92% | vs |
| Commercial BankBank Harrogate, TN | 77 out of 100, Strong | $2.4B | 11.6% | 0.35% | vs |
| Builtwell BankBank Chattanooga, TN | 73 out of 100, Strong | $2.3B | 9.7% | 0.57% | vs |
Deposit insurance
Is my money safe at SmartBank?
Yes. SmartBank is an FDIC-insured institution (FDIC certificate #58463). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 47.9% of deposits ($2.6B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.86%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.30% (benchmark: 10%).
43 locations
Branches
SmartBank lists 42 offices in 36 cities across 3 states. Most locations:
- Knoxville, TN (3)
- Sevierville, TN (3)
- Chattanooga, TN (2)
- Tuscaloosa, AL (2)
- Alcoa, TN (1)
- Auburn, AL (1)
- Birmingham, AL (1)
- Chatom, AL (1)
- Cleveland, TN (1)
- Cookeville, TN (1)
- Crossville, TN (1)
- Destin, FL (1)
HMDA 2025
Mortgage lending
In 2025, SmartBank reported 1,363 home-loan applications under HMDA (LEI 549300GZY55UGMUMI322): 1,025 originated ($355,935,000 total), 170 denied, and 48 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- SmartBank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 58463
- RSSD ID
- 3532641
- Primary regulator
- FED
- Holding company
- Smartfinancial Inc
- Established
- January 8, 2007
- Headquarters
- 2430 Teaster Ln, Pigeon Forge, TN 37863
- Website
- www.smartbank.com
- Employees
- 609
Quick answers
SmartBank: common questions
Is SmartBank FDIC insured?
Yes. SmartBank is an FDIC-insured institution (FDIC certificate #58463). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is SmartBank's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has SmartBank ever failed?
There is no failure record for FDIC certificate #58463 in the FDIC failed bank list.
How many branches does SmartBank have?
43 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Pigeon Forge
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sevier County Schools Federal Credit UnionCredit union Sevierville, TN | 99 out of 100, Very strong | $13.9M | 21.8% | 0.09% | vs |
| Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN | 98 out of 100, Very strong | $36.6M | 20.2% | 0.08% | vs |
| New South Credit UnionCredit union Knoxville, TN | 96 out of 100, Very strong | $90.3M | 14.9% | 0.11% | vs |
| Knox Co. Employees Credit UnionCredit union Knoxville, TN | 96 out of 100, Very strong | $12.5M | 18.8% | 0.04% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Knox County Teachers Federal Credit UnionCredit union Knoxville, TN | 93 out of 100, Very strong | $34.4M | 15.5% | 0.01% | vs |