2430 Teaster Lane, Suite 205
Pigeon Forge, TN 37863
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.45% 0.70% →
2-Year CD 0.80% 0.75% →
5-Year CD 1.15% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

SmartBank is an FDIC insured institution located in Pigeon Forge, TN. It was founded in 2007 and has approximately $3.3 billion in assets. Customers can open an account at one of its 25 branches.

FDIC Insured Yes
FDIC Certificate # 58463
Date Established 2007
Assets $ 3.30 billion
Loans $ 2.38 billion
Deposits $ 2.81 billion
Capital $ 384.74 million

For a more detailed analysis of SmartBank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 24, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.05% $250 - Learn More
0.10% $2,500 $4,999 Learn More
Money Market
0.01% $2,500 $9,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.03% $10,000 $24,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $49,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
6 Mo CD
0.50% $1,000 - Learn More
6 Mo CD
0.45% $10,000 $14,999 Learn More
6 Mo CD
0.45% $100,000 $199,999 Learn More
12 Mo CD
0.25% $1,000 - Learn More
12 Mo CD
0.45% $10,000 - Learn More
18 Mo CD
0.75% $1,000 - Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.80% $1,000 - Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
1.00% $1,000 - Learn More
36 Mo CD
0.50% $10,000 $14,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More
48 Mo CD
1.10% $1,000 - Learn More
48 Mo CD
0.65% $10,000 $14,999 Learn More
48 Mo CD
0.65% $100,000 $199,999 Learn More
60 Mo CD
1.15% $1,000 - Learn More
60 Mo CD
0.65% $10,000 $14,999 Learn More
60 Mo CD
0.65% $100,000 $199,999 Learn More

Fixed IRA
0.75% $1 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.25% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $1,000 - Learn MoreShow Less
Int Ckg
0.02% $2,500 $3,499 Learn MoreShow Less

Loan Rates - June 24, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SmartBank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.465% 3.375%
0.63 points
$2,812 fees
$1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to SmartBank
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Financial Details

SmartBank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of SmartBank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
SmartBank U.S. Bank Average
2.81% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, SmartBank had $6,724,000 in non-current loans and $4,619,000 in owned real estate. To cover these potential losses it had $384,743,000 in equity and $18,346,000 in loans loss reserves. That gives it a Texas Ratio of 2.81%.

Return on Equity
SmartBank U.S. Bank Average
7.45% 9.24%

SmartBank has a Return on Equity of 7.45% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

SmartBank U.S. Bank Average
11.64% 11.96%

SmartBank has a Capitalization of 11.64% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

SmartBank Balance Sheet Analysis

As of December 31, 2020, SmartBank had assets of $3,304,121,000, loans of $2,375,619,000, and deposits of $2,814,155,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
Cash & Balances due from depository institutions $ 414.54 million
Interest-bearing balances $ 364.08 million
Total securities $ 215.63 million
Federal funds sold and reverse repurchase $ 66.41 million
Net loans and leases $ 2.38 billion
Loan loss allowance $ 18.35 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 4.62 million
Goodwill and other intangibles $ 86.47 million
All other assets $ 63.71 million
     Total Assets $ 2.92 billion
Total deposits $ 2.81 billion
      Interest-bearing deposits $ 2.12 billion
      Deposits held in domestic offices $ 2.81 billion
      % insured (estimated) 64.77%
Federal funds purchased and repurchase agreements $ 5.80 million
Trading liabilities N.A.
Other borrowed funds $ 80.22 million
Subordinated debt N.A.
All other liabilities $ 19.20 million
      Total Liabilities $ 2.92 billion
      Shareholders’ Equity $ 384.74 million

Summary Income Statement

December 31, 2020
Total Interest Income $ 117.61 million
Total Interest Expense $ 14.41 million
Net interest income $ 103.20 million
Provision for loan and lease losses $ 8.68 million
Total non interest income $ 15.23 million
Total non interest expense $ 74.91 million
Pre-tax Net Operating Income $ 34.84 million

Bank Loan Profile?

The top three loan types in SmartBank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Tennessee, SmartBank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.18
Credit Card Loans 0.02
Consumer Auto Loans 0.12
Small Business Loans 11.46
Construction and Development Loans 11.71
Commercial Real Estate 37.86
Commercial and Industrial Loans 25.93
Farm Loans 0.03

Frequently Asked Questions About Smartbank

Branches and Savings

Is Smartbank FDIC insured?

Yes. It is covered under FDIC Certificate #58463.

Why does Smartbank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Smartbank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Smartbank a commercial bank?


Where are Smartbank locations?

See branch locations nearby.

Is Smartbank open on Saturdays?

Is Smartbank open on Sundays?

What time does Smartbank open?

What time does Smartbank close?

Are Smartbank ATMs Open 24/7?

Do Smartbank ATMs accept cash deposits?

Can Smartbank customers use other ATMs?

Do Smartbank branches have notaries?

Will Smartbank notarize my document?

What address for Smartbank should I put for incoming ACH transfers?

Will the Smartbank branch print checks?

Do Smartbank checks expire?

Does Smartbank require US citizenship to open account?

Can Smartbank close my account?

Does Smartbank Report to credit bureaus?

Does Smartbank Use Equifax?

What is Smartbank's ACH Routing Number?

What is Smartbank's SWIFT code?


Does Smartbank offer mortgages?

Compare mortgage rates here.

Does Smartbank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Smartbank offer personal loans?

Compare personal loan rates here.

Does Smartbank offer student loans?

Will Smartbank cash a check?

Will Smartbank redeem a savings bond?

Does Smartbank cash savings bonds?

Will Smartbank cash money orders?

Can Smartbank issue a money order?

Does Smartbank do currency exchange?

Background on The Bank

Who owns Smartbank?

How long has Smartbank been around?

Can Smartbank transfer to other banks?

Does Smartbank have quick pay?

Does Smartbank accept rolled coins?

Will Smartbank accept loose change?

Where is Smartbank headquarters?

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