🏦Bank Scorer

SMARTBANK

PIGEON FORGE, TN · Supervised by Federal Reserve (FRB)

Est. 2007FDIC #58,463RSSD: FRB-3532641
Satisfactory Same

Current rating · Exam: July 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.04%

Institution Profile

FDIC BankFind

Address

2430 Teaster Ln, PIGEON FORGE, TN

County

Sevier County

Established

January 8, 2007

Total Assets

$5.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 22, 2024

Exam Type

Large Bank

Regulator

Federal Reserve (FRB)
What is a CRA rating? →
Estimated next exam:Jul 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.9B

Total Deposits

$5.2B

Net Loans

$4.5B

Net Income

$15M

ROA

1.04%

ROE

9.60%

Risk-Based Capital

12.41%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate14.83%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

42

Branch Deposits

$4.9B

1-Year Change

0

5-year net change: +7 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,20068.92%14.83%
20231,02371.16%14.96%
20221,50972.7%12.19%
20211,16777.21%8.48%
20201,16082.41%6.03%
201975683.2%7.54%
201872176.7%7.07%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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