Corporate Social Responsibility

Community Commitment in Action

SmartBank’s commitment to Corporate Social Responsibility forms an integral part of our business philosophy. We are dedicated to enriching our community through meaningful initiatives and partnerships. Our efforts span community development, environmental sustainability, and financial literacy outreach programs. As stated in our mission statement, “We build exceptional value in our communities by providing lasting solutions to their problems and protecting their greatest assets.” This principle defines SmartBank and drives us to serve you comprehensively, meeting your financial needs while enhancing community well-being.

SmartBank team volunteering at a community event for a charitable cause

Community Partners

The Bank’s commitment to community extends beyond financial support. Associates contributed CRA‑qualified service hours, serving on nonprofit boards, providing financial expertise, and volunteering with organizations that enhance quality of life and strengthen local neighborhoods.

SmartMoney Series: Investing in Financial Literacy

SmartBank is committed to building financial confidence early through the SmartMoney Series, a financial literacy program developed for teens at the Boys & Girls Club of East Tennessee. The five-week program focuses on essential money management topics such as budgeting, credit, saving, and banking, using interactive, real-world activities to encourage strong financial habits.

Through the dedication of our associates, the program has reached teens across multiple club locations, providing hands-on instruction and meaningful engagement. Recognized by the Tennessee Area Council of the Boys & Girls Clubs of America as the Best Teen Program in the Life Skills category, the SmartMoney Series reflects the impact of community partnership and our ongoing commitment to supporting the next generation.

Cheerful man looking away while collecting trash with friends in a national park

Fraud Awareness and Elder Protection

Protecting clients and communities from fraud, including elder financial exploitation, is a critical focus for SmartBank. Through advocacy and education, we work to raise awareness and support efforts that help prevent financial abuse and protect vulnerable populations.

SmartBank has engaged with policymakers to advocate for resources and initiatives that strengthen protections against financial exploitation, while also contributing to broader conversations on prevention and response strategies. In addition, we provide community education through “SmartBanking for Seniors – Protecting Yourself from Fraud” events, offering practical guidance and tools to help individuals and caregivers recognize and avoid fraudulent activity.

Together, these efforts reflect SmartBank’s commitment to promoting awareness, supporting community partnerships, and helping safeguard those we serve from evolving fraud risks.

Supporting local businesses remains central to our community strategy. During 2025, the Bank originated 921 small business loans totaling $220 million, providing critical capital to entrepreneurs and small employers across our markets. These loans helped businesses grow, create jobs, and invest in their futures. The Bank also remained committed to serving agricultural customers and rural communities, originating 8 small farm loans totaling $1.2 million. This financing supported farm operations and reinforced the Bank’s role as a trusted partner in rural economic development.

Community Development Activities

Qualified Investments

The Bank maintained a strong investment presence with $48 million in CRA‑qualified investments, including mortgage‑backed securities, municipal bonds, and general obligation bonds. These investments helped fund affordable housing, infrastructure improvements, and community‑focused projects that promote sustainable economic growth.

Charitable Contributions

In 2025, the Bank contributed $180,142 in CRA‑qualified donations to nonprofit organizations and community partners. These contributions supported initiatives focused on housing, financial stability, education, and essential services for low‑ and moderate‑income individuals and families. SmartBank funded a 4th installment of $20,000 of $100,000 commitment to Saban Center

In 2025, the Bank originated 17 community development loans totaling $72.2 million. These loans supported projects aligned with CRA objectives, including affordable housing, economic development initiatives, and community services for low‑ and moderate‑income individuals, as well as efforts to revitalize and stabilize underserved areas.