SMBK: the balance sheet

MyFinsight

For the year ending 2025-12-31, SMBK has $5,860,810K in assets. $5,308,318K in debts. $464,417K in cash and cash equivalents.

Balance Sheets	2025-12-31
Cash and due from banks	56,469
Interest-bearing deposits with banks	395,120
Federal funds sold	12,828
Total cash and cash equivalents	464,417
Securities available-for-sale, at fair value	539,882
Securities held-to-maturity (fair value of 109.4 million at dec. 31, 2025 and 108.1 million at dec. 31, 2024)	122,121
Other investments	16,441
Loans held for sale	10,865
Loans and leases	4,363,582
Less allowance for credit losses	40,906
Loans and leases, net	4,322,676
Premises and equipment, net	88,387
Goodwill and other intangibles, net	95,328
Bank owned life insurance	119,525
Other assets	81,168
Total assets	5,860,810

Noninterest-bearing demand	1,062,918
Interest-bearing demand	945,716
Money market and savings	2,273,612
Time deposits	870,543
Total deposits	5,152,789
Borrowings	3,009
Subordinated debt	98,662
Other liabilities	53,858
Total liabilities	5,308,318
Common stock, 1 par value 40,000,000 shares authorized 17,029,317 and 16,925,672 shares issued and outstanding, respectively	17,029
Additional paid-in capital	295,950
Retained earnings	248,719
Accumulated other comprehensive loss	-9,319
Total shareholders' equity attributable to smartfinancial inc. and subsidiary	552,379
Non-controlling interest - preferred stock of subsidiary	113
Total shareholders' equity	552,492
Total liabilities and shareholders' equity	5,860,810

Unit: Thousand (K) dollars (except for numbers of shares and EPS).