SmartFinancial, Inc. is a regional bank holding company that operates through its subsidiary SmartBank, offering comprehensive commercial and consumer banking services including deposits, commercial real estate lending, consumer and residential loans, equipment financing, and investment services to small and medium-sized businesses and individuals in the southeastern United States. The company generates revenue primarily from net interest income—the spread between interest earned on loans and deposits—as well as service charges, investment commissions, and transaction fees. The business model relies on gathering customer deposits to fund a diversified loan portfolio weighted toward commercial real estate and commercial lending, leveraging local market relationships and the expertise of management and directors to build its customer base.