The SmartBank Way


Our vision is to build exceptional value for our brand and for our clients, communities, associates, and shareholders by delivering more than they think possible.

About Us

SmartBank emerged in January 2006, when long-time executive bankers Bill Carroll and Billy Carroll decided to start the process of organizing a bank with the image, values and service level that would become incomparable to any other bank in the market. SmartBank opened its first office in January 2007 in Pigeon Forge, Tennessee. Today, SmartBank has 12 branches serving clients in East Tennessee and the Florida Panhandle.

Recruiting the best people, delivering exceptional client service, strategic branching and a conservative and disciplined approach to lending have all given rise to SmartBank’s success. At SmartBank, we are committed to creating a better bank, and we will continue to work hard and capitalize on opportunities that build value for our shareholders, clients and associates.



We build exceptional value for our clients by demonstrating incomparable care for their needs and increasing their financial wealth.


We build exceptional value in our communities by providing lasting solutions to their problems and protecting their greatest assets.


We build exceptional value for our associates by fostering a more fulfilling environment that respects individual needs, establishes high expectations and recognizes achievement.


We build exceptional value for our shareholders by managing growth and maximizing profitability, return on investment, stock value, dividends, and liquidity.

Building a great culture is not something that happens overnight. It’s something that takes hard work and becomes ingrained in your character over time. It’s what you do day in and day out without even thinking about it.

–Billy Carroll, SmartBank President & CEO

Core Values

We never compromise integrity

We will always act with integrity. Period.

We are passionate

“Enthusiasm,” “Energy,” and “Determination” all describe the way we act and how we work within our company.

We are not afraid to try new ideas

...and realize that some will fail. If they do, we will learn from them. We understand that we don’t have all the answers but we must explore new areas of business, even when it is uncomfortable.

We are accountable

To each other, our clients and shareholders.

We deliver the exceptional

Create “WOW” for our clients. We look for opportunities to create experiences that people talk about.

We embrace change

We are curious and seek continuous improvement without the boundary of “that’s the way we’ve always done it.”

We pursue breakthrough strategies

We explore innovation and anticipate both the future opportunities and the future obsolescence in how banking is done.

We communicate an open, honest and respectful way.