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Regulatory Matters (Tables) | 9 Months Ended
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Sep. 30, 2025
Banking and Thrift [Abstract] |
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations | Actual and required capital levels at September 30, 2025, and December 31, 2024 are presented below (dollars in thousands):
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Minimum to be | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | well | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | capitalized under | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | Minimum for | ​ | prompt | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | capital | ​ | corrective action | ​
​ | ​ | ​ | Actual | ​ | adequacy purposes | ​ | provisions1 | ​
​ |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio | ​
September 30, 2025 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
SmartFinancial: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Capital (to Risk Weighted Assets) | ​ | $ | 614,298 |  | 13.31 | % | $ | 369,144 |  | 8.00 | % | ​ | N/A |  | N/A | ​
Tier 1 Capital (to Risk Weighted Assets) | ​ |  | 454,671 |  | 9.85 | % |  | 276,858 |  | 6.00 | % | ​ | N/A |  | N/A | ​
Common Equity Tier 1 Capital (to Risk Weighted Assets) | ​ |  | 454,671 |  | 9.85 | % |  | 207,644 |  | 4.50 | % | ​ | N/A |  | N/A | ​
Tier 1 Capital (to Average Assets)2 | ​ |  | 454,671 |  | 8.21 | % |  | 221,619 |  | 4.00 | % | ​ | N/A |  | N/A | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
SmartBank: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Capital (to Risk Weighted Assets) | ​ | $ | 567,837 |  | 12.37 | % | $ | 367,372 |  | 8.00 | % | $ | 459,215 |  | 10.00 | %
Tier 1 Capital (to Risk Weighted Assets) | ​ |  | 530,814 |  | 11.56 | % |  | 275,529 |  | 6.00 | % |  | 367,372 |  | 8.00 | %
Common Equity Tier 1 Capital (to Risk Weighted Assets) | ​ |  | 530,814 |  | 11.56 | % |  | 206,647 |  | 4.50 | % |  | 298,490 |  | 6.50 | %
Tier 1 Capital (to Average Assets)2 | ​ |  | 530,814 |  | 9.59 | % |  | 221,414 |  | 4.00 | % |  | 276,767 |  | 5.00 | %
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
December 31, 2024 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
SmartFinancial: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Capital (to Risk Weighted Assets) | ​ | $ | 470,635 |  | 11.10 | % | $ | 339,044 |  | 8.00 | % |  | N/A |  | N/A | ​
Tier 1 Capital (to Risk Weighted Assets) | ​ |  | 413,616 |  | 9.76 | % |  | 254,283 |  | 6.00 | % |  | N/A |  | N/A | ​
Common Equity Tier 1 Capital (to Risk Weighted Assets) | ​ |  | 413,616 |  | 9.76 | % |  | 190,712 |  | 4.50 | % |  | N/A |  | N/A | ​
Tier 1 Capital (to Average Assets) | ​ |  | 413,616 |  | 8.29 | % |  | 199,585 |  | 4.00 | % |  | N/A |  | N/A | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
SmartBank: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total Capital (to Risk Weighted Assets) | ​ | $ | 478,368 |  | 11.30 | % | $ | 338,774 |  | 8.00 | % | $ | 423,467 |  | 10.00 | %
Tier 1 Capital (to Risk Weighted Assets) | ​ |  | 445,159 |  | 10.51 | % |  | 254,080 |  | 6.00 | % |  | 338,774 |  | 8.00 | %
Common Equity Tier 1 Capital (to Risk Weighted Assets) | ​ |  | 445,159 |  | 10.51 | % |  | 190,560 |  | 4.50 | % |  | 275,253 |  | 6.50 | %
Tier 1 Capital (to Average Assets) | ​ |  | 445,159 |  | 8.94 | % |  | 199,214 |  | 4.00 | % |  | 249,017 |  | 5.00 | %
1The prompt corrective action provisions are applicable at the Bank level only. 2Average assets for the above calculations were based on the most recent quarter.

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- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1B -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B + Details
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