SmartBank holds $4.9B in deposits across 26 counties in 14 ranked markets and 3 states. Its deposit footprint is concentrated: the top three counties (Sevier County, Knox County, Tuscaloosa County) hold 46% of its deposits, and Tennessee accounts for 63% of the total. It ranks among the three largest institutions in 4 of the 26 counties where it operates.
Identifying and Recruiting the Right People
Deposit share data tends to track where commercial client relationships, and the bankers who hold them, are concentrated. We help banks building or entering competitive markets recruit the people who have those relationships.
See how we help banks recruit commercial banking talentDeposits by county
Data as of June 30, 2025 (FDIC Summary of Deposits)
| County | Deposits | County’s % of Bank’s Deposits | Bank’s % of County Deposits | Branches | |
|---|---|---|---|---|---|
| 1. | Sevier County, TN | $1.2B | 24.4% | 29.2% | 6 |
| 2. | Knox County, TN | $569M | 11.7% | 3.0% | 3 |
| 3. | Tuscaloosa County, AL | $496M | 10.2% | 11.0% | 3 |
| 4. | Hamilton County, TN | $465M | 9.5% | 3.8% | 5 |
| 5. | Lee County, AL | $235M | 4.8% | 5.3% | 1 |
| 6. | Cumberland County, TN | $208M | 4.3% | 11.7% | 1 |
| 7. | Houston County, AL | $185M | 3.8% | 5.4% | 1 |
| 8. | Blount County, TN | $173M | 3.5% | 5.7% | 2 |
| 9. | Montgomery County, AL | $141M | 2.9% | 2.0% | 1 |
| 10. | Escambia County, FL | $114M | 2.3% | 1.8% | 1 |
| 11. | Jefferson County, AL | $105M | 2.2% | 0.2% | 1 |
| 12. | Clarke County, AL | $99M | 2.0% | 13.0% | 2 |
| 13. | Baldwin County, AL | $98M | 2.0% | 1.5% | 1 |
| 14. | Okaloosa County, FL | $97M | 2.0% | 1.9% | 1 |
| 15. | Morgan County, TN | $97M | 2.0% | 56.4% | 1 |
| 16. | Putnam County, TN | $77M | 1.6% | 2.4% | 1 |
| 17. | Bradley County, TN | $65M | 1.3% | 2.5% | 1 |
| 18. | Coffee County, TN | $64M | 1.3% | 4.3% | 1 |
| 19. | Rutherford County, TN | $62M | 1.3% | 0.8% | 1 |
| 20. | Washington County, AL | $61M | 1.3% | 28.4% | 2 |
| 21. | Madison County, AL | $58M | 1.2% | 0.5% | 1 |
| 22. | Bay County, FL | $57M | 1.2% | 1.3% | 1 |
| 23. | Fentress County, TN | $56M | 1.1% | 11.1% | 1 |
| 24. | Mobile County, AL | $48M | 1.0% | 0.5% | 1 |
| 25. | Williamson County, TN | $34M | 0.7% | 0.2% | 1 |
| 26. | Leon County, FL | $21M | 0.4% | 0.3% | 1 |
Deposits are as reported to the FDIC at branch level, June 30, 2025, and are nominal. “County’s % of Bank’s Deposits” is this county’s share of the institution’s total deposits; “Bank’s % of County Deposits” is this institution’s deposits as a percent of all deposits booked in that county. Counties within a Combined or Metropolitan Statistical Area link to their full profile; other counties are shown for completeness.
All 293 markets and the 1,533 counties within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates.