SmartFinancial is the holding company for SmartBank, a Tennessee-chartered community bank headquartered in Pigeon Forge, Tennessee. SmartBank operates 42 full-service branches across East and Middle Tennessee, Alabama, Florida, and Georgia, targeting high-growth Southeast markets. SmartBank's core business is gathering deposits and deploying them into loans — net loans and leases totaled roughly $4.3B at year-end 2025, representing about 74% of total assets. The loan book spans commercial real estate, consumer real estate, construction and land development, C&I, and consumer loans. SmartBank earns the spread between its deposit funding costs and loan yields, making NIM the central driver of profitability. Management focuses on building core, relationship-based deposits — particularly noninterest-bearing and low-cost checking accounts — rather than relying on brokered or wholesale funding. Beyond traditional banking, SmartBank operates Fountain Equipment Finance, a subsidiary providing loans and leases for heavy equipment and trucks to small and mid-size businesses across the Southeast, and it offers investment advisory products through a revenue-sharing partnership with Raymond James. Additional fee income comes from mortgage banking, capital markets, and treasury management. SmartBank's growth strategy is primarily organic, centered on recruiting experienced commercial bankers who bring existing client relationships, and deepening market share in existing high-growth markets rather than broad geographic expansion. M&A is a secondary priority.