SBA lender profile
SmartBank
SmartBank appears in the public SBA loan data with 62 funded 7(a) loans since FY2010, totaling $45.9M, an average of $741K per loan, and an estimated 780 jobs supported. Its SBA lending concentrates in Tennessee and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 9.7%. 4.8% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 49
- Scale 47
- Activity 41
- Consistency 72
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is SmartBank the right lender for you?
Lenders fund what they know. SmartBank's SBA lending concentrates in Tennessee (44 loans) and Accommodation and Food Services (15 loans), at an average loan of $741K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $5.9B
- Headquarters
- Pigeon Forge, TN
- FDIC cert
- #58463
- Status
- Active
Where SmartBank lends
Top states by funded SBA volume.
Metro areas where SmartBank funds
What SmartBank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 15 | $17.1M |
| Professional and Technical Services | 4 | $7.3M |
| Retail Trade | 9 | $5.3M |
| Manufacturing | 6 | $3.5M |
| Other Services | 7 | $3.0M |
| Administrative and Support | 5 | $2.8M |
SmartBank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 8 | $5.7M |
| 2011 | 3 | $5.7M |
| 2012 | 7 | $10.0M |
| 2013 | 8 | $3.3M |
| 2014 | 3 | $1.6M |
| 2015 | 12 | $2.9M |
| 2016 | 5 | $4.1M |
| 2017 | 7 | $4.8M |
| 2018 | 4 | $2.5M |
| 2019 | 1 | $370K |
| 2020 | 1 | $1.1M |
| 2022 | 1 | $181K |
| 2023 | 1 | $1.0M |
| 2025 | 1 | $2.7M |
Related SBA lenders
Other lenders active in Tennessee or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
SmartBank: frequently asked questions
Does SmartBank offer SBA loans?
Yes. SmartBank appears in the public SBA data with 62 funded SBA 7(a) loans totaling $45.9M.
How many SBA loans has SmartBank made?
SmartBank is associated with 62 SBA 7(a) loans totaling $45.9M in the public SBA data (as of 2026-03-31).
What is SmartBank's SBA charge-off rate?
About 9.7% of SmartBank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does SmartBank do most of its SBA lending?
SmartBank's SBA lending in the data is most concentrated in Tennessee, and by industry in Accommodation and Food Services.
Is SmartBank an SBA Preferred Lender (PLP)?
The loan record shows SmartBank operating under PLP delegated authority: 3 of its 7(a) loans (4.8%) were processed through the Preferred Lenders Program. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). SmartBank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/smartbank/
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