SmartFinancial, Inc. (SMBK)

SmartFinancial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	928.83	775.14	704.54	532.85	2,090
Securities and Investments	678.44	623.73	703.31	785.37	575.92
Other Earning Assets	10.87	6	4.42	1.75	5.1
Gross Loans	4,364	3,906	3,444	3,254	2,693
Allowance for Loan Losses	-40.91	-37.42	-35.07	-23.33	-19.35
Net Loans	4,323	3,869	3,409	3,230	2,674
Net Property, Plant & Equipment	88.39	91.09	92.96	92.51	85.96
Goodwill	95.33	104.72	107.15	109.77	105.85
Other Non-Earning Assets	200.69	193.88	159.88	151.37	119.63
Total Assets	5,861	5,276	4,829	4,637	4,612
Interest-bearing deposits	4,090	3,721	3,370	3,005	2,967
Noninterest-bearing deposits	1,063	965.55	898.04	1,072	1,055
Total Deposits	5,153	4,686	4,268	4,077	4,022
Short-Term Borrowings	3.01	8.14	13.08	41.86	87.59
Long-Term Debt	98.66	39.68	42.1	42.02	41.93
Other Liabilities	53.86	50.14	46.47	44.07	30.7
Total Liabilities	5,308	4,784	4,370	4,205	4,182
Common Stock	17.03	16.93	16.99	16.9	16.8
Additional Paid-in Capital	295.95	294.27	295.7	294.33	292.94
Accumulated Other Comprehensive Income	-9.32	-23.67	-25.91	-35.32	1.44
Retained Earnings	248.72	203.82	173.11	156.55	118.25
Total Common Shareholders' Equity	552.38	491.35	459.89	432.45	429.43
Minority Interest	0.11	0.11	-	-	-
Shareholders' Equity	552.49	491.46	459.89	432.45	429.43
Total Liabilities & Equity	5,861	5,276	4,829	4,637	4,612
Total Debt	98.66	39.68	42.1	42.02	41.93
Net Cash (Debt)	-98.66	-39.68	-42.1	-42.02	-41.93
Net Cash Per Share	-5.84	-2.35	-2.49	-2.49	-2.67
Book Value	552.38	491.35	459.89	432.45	429.43
Book Value Per Share	32.69	29.12	27.19	25.63	27.35
Tangible Book Value	457.05	386.63	352.74	322.68	323.58
Tangible Book Value Per Share	27.05	22.91	20.86	19.13	20.61

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q