Bank · FDIC insured
SmartBank
A $6.1B bank, the 244th largest of 4,207, headquartered in Pigeon Forge, TN, with 42 branches in 3 states. Best rates: savings 4.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no accounts of this kind found on its website. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings944.00%at $10,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About SmartBank
SmartBank operates locations throughout Tennessee, Alabama, and Florida.
The bank merged with Cornerstone Community Bank in 2016 and acquired Capstone Bank and Southern Community Bank in 2018.
It later completed the acquisitions of Progressive Savings Bank in 2020 and Sevier County Bank in 2021.
- Headquarters
- 2430 Teaster Ln, Pigeon Forge, TN 37863
- FDIC certificate
- 58463 ↗
Branches
42 branches in 3 states
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Tennessee
24 branches
Sevierville area · 6
- SmartBankMain office2430 Teaster Ln, Pigeon Forge, TN 37863Directions
- Gatlinburg Branch570 E Parkway, Gatlinburg, TN 37738Directions
- Dolly Parton Parkway Branch710 Dolly Parton Pkwy, Sevierville, TN 37862Directions
- Sevier County Main Office Branch111 E Main St, Sevierville, TN 37862Directions
- Sevierville Branch1011 Parkway, Sevierville, TN 37862Directions
- Seymour Branch11403 Chapman Hwy, Seymour, TN 37865Directions
Knoxville area · 6
- Alcoa Branch109 Associates Blvd, Alcoa, TN 37701Directions
- Bearden Branch5401 Kingston Pike, Knoxville, TN 37919Directions
- Cedar Bluff Branch202 Advantage Pl, Knoxville, TN 37922Directions
- Farragut Office Branch11216 Kingston Pike, Knoxville, TN 37934Directions
- Maryville'S Foothills Branch214 Keller Ln, Maryville, TN 37801Directions
- Wartburg Branch705 Main St, Wartburg, TN 37887Directions
Chattanooga area · 5
- Chattanooga Miller Plaza Branch835 Georgia Ave, Chattanooga, TN 37402Directions
- Gunbarrel Road Branch2280 Gunbarrel Rd, Chattanooga, TN 37421Directions
- East Ridge Branch4154 Ringgold Rd, East Ridge, TN 37412Directions
- Hixson Branch5319 Highway 153, Hixson, TN 37343Directions
- Ooltewah Branch8966 Old Lee Hwy, Ooltewah, TN 37363Directions
Nashville area · 2
- Franklin Branch9050 Carothers Pkwy, Franklin, TN 37067Directions
- Murfreesboro Parkway Branch1605 Medical Center Pkwy, Murfreesboro, TN 37129Directions
Cleveland area · 1
- Keith Street Cleveland Branch3200 Keith St Nw, Cleveland, TN 37312Directions
Cookeville area · 1
- Cookeville Branch1080 Interstate Dr, Cookeville, TN 38501Directions
Crossville area · 1
- Crossville Branch807 N Main St, Crossville, TN 38555Directions
Jamestown area · 1
- Jamestown Branch500 N Main St, Jamestown, TN 38556Directions
Tullahoma area · 1
- Tullahoma Branch1400 N Jackson St, Tullahoma, TN 37388Directions
Alabama
14 branches
Tuscaloosa area · 3
- Northport Branch2000 Lurleen B Wallace Blvd, Northport, AL 35476Directions
- Indian Hills Branch230 Mcfarland Cir N, Tuscaloosa, AL 35406Directions
- Tuscaloosa University Branch2301 University Blvd, Tuscaloosa, AL 35401Directions
Auburn area · 1
- Auburn Branch1940 East Samford Ave, Auburn, AL 36830Directions
Birmingham area · 1
- Birmingham Branch101 Office Park Dr, Birmingham, AL 35223Directions
Chatom area · 1
- Chatom Branch16780 Jordan Street, Chatom, AL 36518Directions
Dothan area · 1
- Dothan Branch170 East Main St, Dothan, AL 36301Directions
Daphne area · 1
- Fairhope Branch106 Ecor Rouge Pl Shop Ctr, Fairhope, AL 36532Directions
Huntsville area · 1
- Huntsville Branch300 Clinton Ave W, Huntsville, AL 35801Directions
Jackson area · 1
- Jackson Branch1600 College Ave, Jackson, AL 36545Directions
McIntosh area · 1
- Mcintosh Branch158 Commerce Street, McIntosh, AL 36553Directions
Mobile area · 1
- Mobile Branch3704 Dauphin St, Mobile, AL 36608Directions
Montgomery area · 1
- Montgomery Branch207 Montgomery Street, Montgomery, AL 36104Directions
Thomasville area · 1
- Thomasville Branch33219 Highway 43, Thomasville, AL 36784Directions
Florida
4 branches
Crestview area · 1
- Destin Branch34990 Emerald Coast Pkwy, Destin, FL 32541Directions
Panama City area · 1
- Panama City Highway 77 Branch2713 Highway 77, Panama City, FL 32405Directions
Pensacola area · 1
- Pensacola Branch201 N Palafox St, Pensacola, FL 32502Directions
Tallahassee area · 1
- Tallahassee Branch2375 Centerville Rd., Tallahassee, FL 32308Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.86% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.24% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.12% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $87 | $88 | — |
- CapitalLeverage ratio9.86%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.24%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.12%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$87Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of SmartBank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.