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SmartFinancial, Inc. is a bank holding company. The Company operates through its wholly owned subsidiary, SmartBank (the Bank). The Bank is a Tennessee-chartered commercial bank. The principal business of the Bank consists of attracting deposits from the general public and investing those funds, together with funds generated from operations and from principal and interest payments on loans, primarily in commercial loans, commercial and residential real estate loans, leases, consumer loans and residential and commercial construction loans. It provides a range of deposit services to businesses and individuals, including noninterest-bearing checking accounts, interest-bearing checking accounts, savings accounts, money market accounts, Individual Retirement Accounts (IRAs) and certificates of deposit (CDs). The Bank has approximately 41 full-service bank branches and one loan production office in select markets in East and Middle Tennessee, Alabama and the Florida Panhandle.
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