Smartbank (FDIC #58463): Bank Stress & Real-Estate Credit Exposure
Smartbank (FDIC Cert #58463): bank stress 65/100, elevated, STABLE over 7 days; parent SMARTFINANCIAL INC (SMBK).
Smartbank (#58463) lends in 26 counties across 3 states; Smartbank (#58463) reaches 485 ZIP codes: Tennessee 12 counties, 164 ZIPs; Alabama 10 counties, 258 ZIPs; Florida 4 counties, 63 ZIPs.
Smartbank (#58463) largest markets: Jefferson County, AL (64 branches, 64 ZIPs) (#58463), Mobile County, AL (39 branches, 39 ZIPs) (#58463), Hamilton County, TN (160 branches, 32 ZIPs) (#58463), Knox County, TN (93 branches, 31 ZIPs) (#58463), Tuscaloosa County, AL (84 branches, 28 ZIPs) (#58463), Montgomery County, AL (28 branches, 28 ZIPs) (#58463).
Smartbank (#58463) reports $6.11 billion in total assets; Smartbank (#58463) equity $657.5 million (10.8% of Smartbank (#58463) assets); Smartbank (#58463) domestic deposits $5.39 billion; Smartbank (#58463) net income $33.3 million; Smartbank (#58463) return on assets 1.12%; Smartbank (#58463) return on equity 10.34%; Smartbank (#58463) net interest income $97.7 million; Smartbank (#58463) call report June 30, 2026.
Smartbank (#58463) noncurrent real-estate loans: none reported; Smartbank (#58463) net charge-offs on real estate 0.14%; Smartbank (#58463) multifamily charge-offs 0.06%; Smartbank (#58463) residential charge-offs 0.12%.
Smartbank (#58463) net interest margin 3.56% against an eight-quarter Smartbank (#58463) average of 3.30% (Smartbank (#58463) compression -0.26 points); Smartbank (#58463) non-residential real estate 12.2% of equity; Smartbank (#58463) rate-exposure score 40/100, Smartbank (#58463) fixed-rate trap 40/100; Smartbank (#58463) risk type credit driven; Smartbank (#58463) rate regime rates elevated; Smartbank (#58463) shares 4.5% below the 52-week high, Smartbank (#58463) equity trend stable, Smartbank (#58463) snapshot October 19, 2026.
Smartbank (#58463) stress score moved from 64.9 on June 22, 2026 to 65.4 on October 19, 2026; Smartbank (#58463) ranged 64.9 to 65.4 over 116 snapshots.
Smartbank (#58463) alerts: 26 counties; top Smartbank (#58463) alert scores: Montgomery County, TN 39 (moderate); Franklin County, TN 33 (low); Auburn County, TN 22 (low); Birmingham County, TN 22 (low); Cleveland County, TN 22 (low).