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Balance Sheets Overview
Debt to Asset Ratio
90.57%
Unit: Thousand (K) dollars
Assets Breakdown
Loans and leases, net
Securities available-for-sale, a...
Total cash and cash equivalents
Others
Liabilities Breakdown
Money market and savings
Interest-bearing demand
Time deposits
Others
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Page 1
Quarterly
123
Page 1
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
82,869
56,746
56,469
60,313
Interest-bearing deposits with banks
290,803
282,379
395,120
462,766
Federal funds sold
5,715
6,946
12,828
34,048
Total cash and cash equivalents
379,387
346,071
464,417
557,127
Securities available-for-sale, at fair value
560,065
552,083
539,882
511,095
Securities held-to-maturity (fair value of 106.5 million at june 30, 2026 and 109.4 million at december 31, 2025)
119,848
120,968
122,121
123,364
Other investments
17,529
16,597
16,441
14,888
Loans held for sale
9,628
7,277
10,865
9,855
Loans and leases
4,682,935
4,518,391
4,363,582
4,222,369
Less allowance for credit losses
45,252
43,950
40,906
39,074
Loans and leases, net
4,637,683
4,474,441
4,322,676
4,183,295
Premises and equipment, net
93,314
93,360
88,387
89,250
Goodwill and other intangibles, net
94,417
94,871
95,328
95,807
Bank owned life insurance
121,353
120,438
119,525
118,610
Other assets
82,082
81,579
81,168
81,692
Total assets
6,115,306
5,907,685
5,860,810
5,784,983
Noninterest-bearing demand
921,876
951,366
1,062,918
931,477
Interest-bearing demand
1,022,074
954,292
945,716
929,454
Money market and savings
2,454,805
2,455,945
2,273,612
2,218,313
Time deposits
986,795
834,633
870,543
971,653
Total deposits
5,385,550
5,196,236
5,152,789
5,050,897
Borrowings
603
3,178
3,009
1,301
Subordinated debt
98,805
98,733
98,662
138,604
Other liabilities
53,424
47,377
53,858
55,699
Total liabilities
5,538,382
5,345,524
5,308,318
5,246,501
Common stock, 1 par value 40,000,000 shares authorized 17,098,473 and 17,029,317 shares issued and outstanding, respectively
17,098
17,098
17,029
17,028
Additional paid-in capital
296,841
296,284
295,950
295,742
Retained earnings
275,813
261,032
248,719
236,380
Accumulated other comprehensive loss
-12,941
-12,366
-9,319
-10,781
Total shareholders' equity attributable to smartfinancial inc. and subsidiary
576,811
562,048
552,379
538,369
Non-controlling interest - preferred stock of subsidiary
113
113
113
113
Total shareholders' equity
576,924
562,161
552,492
538,482
Total liabilities and shareholders' equity
6,115,306
5,907,685
5,860,810
5,784,983
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Balance Sheets
Loans and leases
$4,682,935K
(13.55%↑ Y/Y)
Interest-bearing deposits with
banks
$290,803K
(5.35%↑ Y/Y)
Cash and due from
banks
$82,869K
(15.85%↑ Y/Y)
Federal funds sold
$5,715K
(-67.39%↓ Y/Y)
Loans and leases, net
$4,637,683K
(13.55%↑ Y/Y)
Securities
available-for-sale, at fair value
$560,065K
(11.53%↑ Y/Y)
Total cash and cash
equivalents
$379,387K
(3.91%↑ Y/Y)
Bank owned life
insurance
$121,353K
(3.11%↑ Y/Y)
Securities
held-to-maturity (fair value of...
$119,848K
(-3.75%↓ Y/Y)
Goodwill and other
intangibles, net
$94,417K
(-8.85%↓ Y/Y)
Premises and equipment,
net
$93,314K
(3.45%↑ Y/Y)
Other assets
$82,082K
(-1.08%↓ Y/Y)
Other investments
$17,529K
(19.14%↑ Y/Y)
Loans held for sale
$9,628K
(75.57%↑ Y/Y)
Less allowance for
credit losses
$45,252K
(13.77%↑ Y/Y)
Total assets
$6,115,306K
(11.37%↑ Y/Y)
Total liabilities and
shareholders' equity
$6,115,306K
(11.37%↑ Y/Y)
Total liabilities
$5,538,382K
(11.40%↑ Y/Y)
Total shareholders'
equity
$576,924K
(11.13%↑ Y/Y)
Total deposits
$5,385,550K
(10.54%↑ Y/Y)
Subordinated debt
$98,805K
(148.72%↑ Y/Y)
Other liabilities
$53,424K
(0.94%↑ Y/Y)
Borrowings
$603K
(-91.34%↓ Y/Y)
Total shareholders'
equity attributable to...
$576,811K
(11.14%↑ Y/Y)
Non-controlling interest -
preferred stock of...
$113K
(0.00%↑ Y/Y)
Accumulated other
comprehensive loss
-$12,941K
(25.08%↑ Y/Y)
Money market and
savings
$2,454,805K
(15.54%↑ Y/Y)
Interest-bearing demand
$1,022,074K
(21.12%↑ Y/Y)
Time deposits
$986,795K
(-0.99%↓ Y/Y)
Noninterest-bearing demand
$921,876K
(1.64%↑ Y/Y)
Additional paid-in capital
$296,841K
(0.55%↑ Y/Y)
Retained earnings
$275,813K
(23.10%↑ Y/Y)
Common stock, 1 par
value 40,000,000...
$17,098K
(0.47%↑ Y/Y)
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SMARTFINANCIAL INC. (SMBK)
SMARTFINANCIAL INC. (SMBK)