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SmartBank
Pigeon Forge, TN·FDIC Cert #58463·Charter: STATE·Est. 20070108.0·HC: SMARTFINANCIAL INC
Total Assets
$5.9B
Q4 2025
Return on Assets
1.00%
+0.02%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.94%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.00%+0.02
ROE
9.70%+0.10
Efficiency
60.94%-1.26
Equity/Assets
0.00%+0.00
NPL Ratio
0.22%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
83.95%+1.81
Charge-offs
0.08%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | 0.8 | 0.8 | 0.9 | 0.9 | 1.0 | 1.0 |
| ROE | 8.2 | 7.6 | 7.7 | 7.8 | 9.1 | 9.2 | 9.6 | 9.7 |
| Efficiency | 67.3 | 67.9 | 67.4 | 67.0 | 66.0 | 64.6 | 62.2 | 60.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 |
| Loan/Deposit | 78.4 | 81.9 | 85.2 | 82.6 | 82.2 | 83.9 | 82.1 | 83.9 |
Balance Sheet
Total Assets$5.9B
Total Deposits$5.2B
Total Loans$4.3B
Total Equity$631.6M
Profitability
ROA1.00%
ROE9.70%
Efficiency Ratio60.94%
Net Income$55.4M
Risk & Asset Quality
NPL Ratio0.22%
Charge-off Rate0.08%
Loan/Deposit83.95%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans