Smartbank
Pigeon Forge, TN · Cert 58463 · Peer group: banks $1B-$10B in assets (n=322-328) · Smartfinancial Inc.
State charter, Fed member · FED · 42 branches
Q2 2026
$6.1BAssets
$4.7BLoans
$5.4BDeposits
$657.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 74% of banks $1B-$10B in assets (rank 84 of 322).
- Widest gap: tier 1 capital ratio trails 79% of banks $1B-$10B in assets (rank 259 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.09%
Rank 206 of 328
Net Interest Margin
3.35%
Rank 191 of 328
Efficiency Ratio
58.41%
Rank 148 of 328
Equity / Assets
10.77%
Rank 140 of 328
Non-interest income vs. expense
Unfavorable gap of $101.0M · efficiency ratio beats 55% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.91% | 1.22% | 1.52% | Beats 37% | 206 / 328 | |
| Return on Equity | 10.14% | 8.43% | 11.45% | 14.43% | Beats 37% | 208 / 328 | |
| Net Interest Margin | 3.35% | 3.03% | 3.45% | 3.83% | Beats 42% | 191 / 328 | |
| Efficiency Ratio | 58.41% | 51.61% | 59.56% | 67.53% | Beats 55% | 148 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.24% | 0.51% | 1.03% | Beats 74% | 84 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 62% | 123 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 11.38% | 11.75% | 13.15% | 15.47% | Beats 21% | 259 / 328 | |
| Total Risk-Based Capital Ratio | 12.30% | 12.63% | 14.15% | 16.46% | Beats 22% | 256 / 328 | |
| Equity / Assets | 10.77% | 9.15% | 10.33% | 12.01% | Beats 57% | 140 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 87.00% | 76.63% | 87.92% | 95.36% | 48th pctl | 167 / 323 | |
| Loans / Assets | 76.83% | 65.18% | 74.15% | 79.98% | 63rd pctl | 123 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |