SmartFinancial Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	346.07	928.83	775.14	704.54	532.85	2,090
Securities and Investments	689.65	678.44	623.73	703.31	785.37	575.92
Other Earning Assets	7.28	10.87	6	4.42	1.75	5.1
Gross Loans	4,518	4,364	3,906	3,444	3,254	2,693
Allowance for Loan Losses	-43.95	-40.91	-37.42	-35.07	-23.33	-19.35
Net Loans	4,474	4,323	3,869	3,409	3,230	2,674
Net Property, Plant & Equipment	93.36	88.39	91.09	92.96	92.51	85.96
Goodwill	94.87	95.33	104.72	107.15	109.77	105.85
Other Non-Earning Assets	202.02	200.69	193.88	159.88	151.37	119.63
Total Assets	5,908	5,861	5,276	4,829	4,638	4,612
Interest-bearing deposits	4,245	4,090	3,721	3,370	3,005	2,967
Noninterest-bearing deposits	951.37	1,063	965.55	898.04	1,072	1,055
Total Deposits	5,196	5,153	4,686	4,268	4,077	4,022
Short-Term Borrowings	3.18	3.01	8.14	13.08	41.86	87.59
Long-Term Debt	98.73	98.66	39.68	42.1	42.02	41.93
Other Liabilities	47.38	53.86	50.14	46.47	44.07	30.7
Total Liabilities	5,346	5,308	4,784	4,370	4,205	4,182
Common Stock	17.1	17.03	16.93	16.99	16.9	16.8
Additional Paid-in Capital	296.28	295.95	294.27	295.7	294.33	292.94
Accumulated Other Comprehensive Income	-12.37	-9.32	-23.67	-25.91	-35.32	1.44
Retained Earnings	261.03	248.72	203.82	173.11	156.55	118.25
Total Common Shareholders' Equity	562.05	552.38	491.35	459.89	432.45	429.43
Minority Interest	0.11	0.11	0.11	-	-	-
Shareholders' Equity	562.16	552.49	491.46	459.89	432.45	429.43
Total Liabilities & Equity	5,908	5,861	5,276	4,829	4,638	4,612
Total Debt	98.73	98.66	39.68	42.1	42.02	41.93
Net Cash (Debt)	-98.73	-98.66	-39.68	-42.1	-42.02	-41.93
Net Cash Per Share	-5.84	-5.84	-2.35	-2.49	-2.49	-2.67
Book Value	562.05	552.38	491.35	459.89	432.45	429.43
Book Value Per Share	33.23	32.69	29.12	27.19	25.63	27.35
Tangible Book Value	467.18	457.05	386.63	352.74	322.68	323.58
Tangible Book Value Per Share	27.62	27.05	22.91	20.86	19.13	20.61

Updated Apr 20, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q