Billy Carroll is the President and Chief Executive Officer of SmartBank. Mr. Carroll, also a founding Director of SmartBank, has held the position since the Bank’s inception. A graduate of the University of Tennessee, he earned his bachelor’s degree in Business Administration in 1990. Following graduation, Mr. Carroll worked for Kraft CPAs in Nashville, Tenn. He joined Citizens National Bank in 1992 where he held various management positions, including Executive Vice President and Chief Financial Officer. He also served on the Bank’s Board of Directors as well as the Loan Committee and Asset Liability Committee. Mr. Carroll is active in the community and served as past President of the Sevier County High School Foundation; member of the Sevierville Planning Commission; President of the Sevier County’s University of the Tennessee Alumni chapter; and numerous other local organizations. Mr. Carroll previously served on the Board of the Federal Reserve Bank, Nashville branch.