SmartFinancial, Inc.

SmartFinancial, Inc. is a holding company, which engages in the provision of commercial banking services through SmartBank. The company is headquartered in Knoxville, Tennessee and currently employs 581 full-time employees. The company went IPO on 2001-06-21. The Bank is a full-service commercial bank with branches across Tennessee, Alabama, and Florida. 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. The company also originates one to four family residential mortgage loans and generally enters into a commitment to sell these loans in the secondary market. The Bank provides a suite of commercial and consumer banking services to clients through about 42 full-service bank branches. SBK Insurance, Inc., a subsidiary of the Bank, provides insurance products in the property and casualty area, commercial, transportation, and life and health to their respective clients.