HIGHBuilt-inLoan_portfolio
74%
net loan and lease portfolio
“10-K Item 1: 'our net loan and lease portfolio totaled approximately $4.3 billion, representing approximately 74% of our total assets.'”
SMBK · Concentration risk · 10-K extracted
SmartFinancial (SMBK) concentration risks
Updated
The most significant concentration SmartFinancial discloses is net loan and lease portfolio at 74%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: SmartFinancial’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 2 disclosed concentrations
HIGH1
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inGeographic
East and Middle Tennessee, Alabama and the Florida Panhandle
“10-K Item 1A: 'our branches are currently concentrated in East and Middle Tennessee, Alabama and the Florida Panhandle'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06SmartFinancial's concentration exposure centers on its balance-sheet composition and geographic footprint. Its net loan and lease portfolio totaled approximately $4.3 billion, representing approximately 74% of total assets — a large share reflecting a traditional, loan-heavy community bank model rather than a dependency on a specific borrower or industry. That lending book sits within branches concentrated in East and Middle Tennessee, Alabama, and the Florida Panhandle, meaning credit performance is tied to economic conditions across a defined multi-state Southeastern footprint rather than diversified nationally. Both exposures are structural characteristics of how the bank is built, not counterparty-specific dependencies, so there is no single borrower or sub-region disclosed as an outsized risk beyond the overall geographic concentration. Netting these together, the investment case for SmartFinancial is more sensitive to a regional Southeastern economic slowdown or a sustained deterioration in loan portfolio credit quality than to any single-name or supplier disruption — typical for a bank of this asset mix, but still worth weighting given how large a share loans represent of total assets.
For the engine’s reasoning on SMBK’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| SMBK● | SmartFinancial, Inc. | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.