# SMARTBANK
PIGEON FORGE, TN · FDIC certificate 58463 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.11B | |
| Deposits | $5.39B | |
| Loans and leases | $4.69B | |
| Total equity | $657.6M | |
| Loans / deposits | 86.16% (p48 of band) | 87.10% |
| Liquid assets / assets | 17.34% (p34 of band) | |
| Uninsured deposits / deposits | 47.93% (p89 of band) | 30.76% |
| Brokered deposits | 1.74% | |
| Wholesale funding | 1.75% (p27 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.86% (p33 of band) | 10.50% |
| Unrealized securities loss / equity | -4.61% (p66 of band) | -7.75% |
| AOCI / equity | -0.55% (p32 of band) | |
| ROA (annualized) | 1.12% (p39 of band) | 1.26% |
| Net interest margin | 3.56% (p41 of band) | 3.70% |
| Efficiency ratio | 57.61% (p45 of band) | |
| Noncurrent loans | 0.24% (p27 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p50 of band) | |
| Reserve coverage of noncurrent | 394.35% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 78.49% (p78 of band) | |
| Auto loans | $643,000 (0.01% of loans; DQ 0.78%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 609 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, construction >100% equity |  |
| 2011-06 | 2 |  | construction >100% equity |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | wholesale funding >15% |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 2 | capital falling, reserve under noncurrent | brokered >10% |
| 2013-03 | 2 | expense ratio p90 | capital falling |
| 2013-06 | 1 |  | expense ratio p90 |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 2 | brokered >10%, reserve under noncurrent |  |
| 2014-09 | 1 |  | brokered >10% |
| 2014-12 | 2 | brokered >10% |  |
| 2015-03 | 2 | construction >100% equity | brokered >10% |
| 2015-06 | 1 |  | construction >100% equity |
| 2015-09 | 1 | capital falling | reserve under noncurrent |
| 2015-12 | 2 | construction >100% equity |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | construction >100% equity |
| 2017-06 | 1 | brokered >10% |  |
| 2017-09 | 1 | capital falling | brokered >10% |
| 2017-12 | 2 | brokered >10%, wholesale funding >15% | capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | brokered >10% |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | capital falling | brokered >10% |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 1 | brokered >10% |  |
| 2020-03 | 0 |  | brokered >10% |
| 2020-06 | 1 | wholesale funding >15% |  |
| 2020-09 | 1 | capital falling | wholesale funding >15% |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-27 [TN bank 'just started to scratch the surface' with Green Hills buy - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPVE9fMDZ1UXhUQ3VkeFk3eGlfWHp5R25kU0hycEZaYWxaOTRGbkVraWs0VDF2N1pIemFKaG9mNHFYdWNVakVxMGx2N0FGMXM2bDNpRE9GNFJCWlNybHRDNnVXSzhocHF0ekxKU1RaY21xakYwZ242blNxNTN3TFpZSEI1cjlVd0VxUmxZWTJ0UXcwOGRLeHNuUXE0UDZnUE04TkE?oc=5) · The Business Journals
- 2026-04-30 [Higgins joins SmartBank’s Franklin team - Upper Cumberland Business Journal](https://news.google.com/rss/articles/CBMidEFVX3lxTE1LMXJCaTlxQXpCMkdGRDFXNVVrTWRfWFFMcW5BQXNIRTFSVE5IMHFSQXEzbXItd1dob21TaWdvMlZXSVFaY1JtcnFXSk9NeDVxWGpGX25ZR3JZYWJwVzkwQWtWQm9jaVpxTW5rQU5qUGVGc202?oc=5) · Upper Cumberland Business Journal
- 2026-03-05 [SmartBank makes Green Hills buy for flagship Nashville office - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPSlhLMTRWNE00RXhUN0lQR3NGM3hraW1NNlpFUGZCNkpXWWo1Mmh4ZTRVSFdaRVg2WGFNb3U2amR5MmNGNmtpbTVXcm5vOEN3NTBiU2FVMHlQZGJlYnpGN1RwSWhfR1hZSzBWaVVfRTNOWU1uaDJCMlJQbTVwNzgtVk9QN1RvVk9WTEk0OXNDTDRZT09YZm04VUpaSi1qQ3BpRks5XzRCR1lEZw?oc=5) · The Business Journals
- 2026-06-01 [Higgins joins SmartBank’s Franklin team - Williamson Herald](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQcGhCajZUelZKNVJHZVV1VGZsdXN2Qk9QekUxZlJZMjkwQ29kLWdtNG1Pd1RnQ3kweXNxSm1VSElmMldhSWxEMmJBNGJra2N1cTlCemRRbi1UX01XVnM3ZXBmZUgtdUdRUTY4M19GY2pVYkF6c2h6blJSdjdKMXoyU1BOXzVGWE9vUEdINzNUdlluMEdpLTRud1M3OEN1YUppMUtsQjlpRWtkRkdfZ1l6N3BkTmFfcmRGRlIxSl9sQTk0SDhGS0pmX21nU3lXSDNOS3hPUVZadw?oc=5) · Williamson Herald
- 2021-04-14 [Parent company of SmartBank to buy bank in Sevier County, Tennessee - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQTVNldnBqRFlETThqRnIzWlB5djhlTHgwWUxEZW1OaFJyT3RteUJtUDlIR0xEa1ZpZURmclBEcWg0M21lQ1dCakVqMXRHTlZuZmJkVjVlT0gycmU4UEx6SkZYSjJOWGtWRnpVc0kyVEJ3T1F0d0xRT0prQ2h5OXI1UWlyb0Y1Tl94?oc=5) · Chattanooga Times Free Press
- 2024-02-09 [Smart Financial is fourth largest publicly traded bank holding company in TN - Teknovation.biz](https://news.google.com/rss/articles/CBMinAFBVV95cUxPRUM3cHZudnl3SGlwU0pWY1diMDVBYTh6QUhvVVhuOUdiMDNDdXhFODFuLXlUeWl4V1JrcnFaOW1HSTBfNzBvVW55bW84MVBxZEg4VXhjNTYtSFZGRklRc19mZkhVZTZrVUZyZlhEZlNDazRkdHd3U0dMa01Dc0hIUlh4ZVh5VXpNN1FaSEhIbnZVRFZNUDdfVXZiZnc?oc=5) · Teknovation.biz
- 2021-09-01 [SmartBank Completes Sevier Merger, FVC Buys Mortgage Company Stake - Banking Exchange](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPUXRfZ3pxSWF5UjRia21PcjQzakpOLWVLdzRjcjlxQXZGWG9zcEZBSnlPMkRhamYzZzN5YXFwWHNKeV9zNDhqZU5kYjducXA1VUtxS1BWQXdJY0ZSMElNWU9QRkYwb2c5X1luaUVMSFV1SGdfSnB6em13N1d3VVVWdEV2cEY3RDl1a0lKbTBPZEUwQ1RyandGYkQtV3pWODNyR3g5bV84NFFxTmZtSjdyaUF1Q1Rfb2dK?oc=5) · Banking Exchange
- 2021-09-28 [SmartBank takes over Sevier County Bank - WVLT](https://news.google.com/rss/articles/CBMie0FVX3lxTE9iSUNjM2p3cW92S3pfLU15UHFXaE1fRTJSMkRWVlJzcTBDNVBmaFRpR3hobnpMcDBLaUZoR3BZbnMwb3FNQmc0OXlTWHk4dnlVeXM0WFdzVTlZT2wwZHVWelUxbGoxSjZMQVhtTENDa0ZHYlo5aE1uTk1iRdIBjwFBVV95cUxONkFJeWF5TkYtaG1tWjVlNm9YVk5vZ2xla1NKdGtVV3BBMlppVTJMVkRwTWpCcVJNbVljQTJsRDhPdVM5cXhocEU1NXNmTUpiS2xaVU1lY1NLaV9mODNkSzFnbzNXb3N0VW54UGxVV055dmV6bEx5VXpGaE5SMDJyMHR5UnNhLXFVTmZoNWlidw?oc=5) · WVLT

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58463 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "58463", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide