SmartFinancial, Inc. is a bank holding company headquartered in Knoxville, Tennessee, operating through its primary subsidiary, SmartBank. Incorporated in 2006, the company provides a full suite of banking and financial services to individuals, small and middle-market businesses and public entities across its regional footprint. SmartFinancial’s network of branch offices and digital platforms combines community-banking relationships with modern technology to serve its customers’ evolving needs.
Through SmartBank, the company offers a broad range of deposit products, including checking, savings and certificate of deposit accounts, alongside consumer and commercial lending solutions. These lending products encompass residential mortgage loans, home equity lines of credit, construction loans, equipment financing and business lines of credit. SmartFinancial also provides treasury and cash management services, merchant processing and other transaction-related solutions designed to help businesses manage liquidity and day-to-day operations.
SmartFinancial’s geographic focus is on the Southeast, with a concentration of branches and lending teams in East Tennessee and Northern Alabama. The company has expanded over time through both organic growth and strategic acquisitions, aiming to strengthen its presence in key markets such as Knoxville, Chattanooga, Nashville, Huntsville and Birmingham. Digital banking and mobile solutions complement the branch network, allowing customers to access accounts and complete transactions on demand.
The company is governed by an experienced executive leadership team and board of directors with deep expertise in banking, risk management and community development. SmartFinancial emphasizes community engagement and philanthropic initiatives, supporting affordable housing, small-business growth and education programs within the regions it serves.
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