For the quarter ending 2026-03-31, SMBK has $5,907,685K in assets. $5,345,524K in debts. $346,071K in cash and cash equivalents.
| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and due from banks | 56,746 | 56,469 | 60,313 | 71,529 |
| Interest-bearing deposits with banks | 282,379 | 395,120 | 462,766 | 276,041 |
| Federal funds sold | 6,946 | 12,828 | 34,048 | 17,526 |
| Total cash and cash equivalents | 346,071 | 464,417 | 557,127 | 365,096 |
| Securities available-for-sale, at fair value | 552,083 | 539,882 | 511,095 | 502,150 |
| Securities held-to-maturity (fair value of 107.2 million at march 31, 2026 and 109.4 million at dec. 31, 2025) | 120,968 | 122,121 | 123,364 | 124,520 |
| Other investments | 16,597 | 16,441 | 14,888 | 14,713 |
| Loans held for sale | 7,277 | 10,865 | 9,855 | 5,484 |
| Loans and leases | 4,518,391 | 4,363,582 | 4,222,369 | 4,124,062 |
| Less allowance for credit losses | 43,950 | 40,906 | 39,074 | 39,776 |
| Loans and leases, net | 4,474,441 | 4,322,676 | 4,183,295 | 4,084,286 |
| Premises and equipment, net | 93,360 | 88,387 | 89,250 | 90,204 |
| Other real estate owned | - | - | - | 144 |
| Goodwill and other intangibles, net | 94,871 | 95,328 | 95,807 | 103,588 |
| Bank owned life insurance | 120,438 | 119,525 | 118,610 | 117,697 |
| Other assets | 81,579 | 81,168 | 81,692 | 82,981 |
| Total assets | 5,907,685 | 5,860,810 | 5,784,983 | 5,490,863 |
| Noninterest-bearing demand | 951,366 | 1,062,918 | 931,477 | 906,965 |
| Interest-bearing demand | 954,292 | 945,716 | 929,454 | 843,820 |
| Money market and savings | 2,455,945 | 2,273,612 | 2,218,313 | 2,124,623 |
| Time deposits | 834,633 | 870,543 | 971,653 | 996,712 |
| Total deposits | 5,196,236 | 5,152,789 | 5,050,897 | 4,872,120 |
| Borrowings | 3,178 | 3,009 | 1,301 | 6,966 |
| Subordinated debt | 98,733 | 98,662 | 138,604 | 39,726 |
| Other liabilities | 47,377 | 53,858 | 55,699 | 52,924 |
| Preferred stock, 1 par value 2,000,000 shares authorized no shares issued and outstanding | - | - | - | 0 |
| Total liabilities | 5,345,524 | 5,308,318 | 5,246,501 | 4,971,736 |
| Common stock, 1 par value 40,000,000 shares authorized 17,098,473 and 17,029,317 shares issued and outstanding, respectively | 17,098 | 17,029 | 17,028 | 17,018 |
| Additional paid-in capital | 296,284 | 295,950 | 295,742 | 295,209 |
| Retained earnings | 261,032 | 248,719 | 236,380 | 224,061 |
| Accumulated other comprehensive loss | -12,366 | -9,319 | -10,781 | -17,274 |
| Total shareholders' equity attributable to smartfinancial inc. and subsidiary | 562,048 | 552,379 | 538,369 | 519,014 |
| Non-controlling interest - preferred stock of subsidiary | 113 | 113 | 113 | 113 |
| Total shareholders' equity | 562,161 | 552,492 | 538,482 | 519,127 |
| Total liabilities and shareholders' equity | 5,907,685 | 5,860,810 | 5,784,983 | 5,490,863 |
SMARTFINANCIAL INC. (SMBK)
SMARTFINANCIAL INC. (SMBK)