SmartFinancial, Inc. - Asset Resilience Ratio

Latest as of September 2025: 6.98%

SmartFinancial, Inc. (SMBK) has an Asset Resilience Ratio of 6.98% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read SMBK total debt and obligations for a breakdown of total debt and financial obligations.

Liquid Assets

$403.50 Million

Cash + Short-term Investments

Total Assets

$5.78 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2005–2024)

This chart shows how SmartFinancial, Inc.'s Asset Resilience Ratio has changed over time. See SmartFinancial, Inc. net assets for net asset value and shareholders' equity analysis.

Liquid Assets Composition Over Time

This chart breaks down SmartFinancial, Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see SmartFinancial, Inc. (SMBK) total market value.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$403.50 Million	6.98%
Total Liquid Assets	$403.50 Million	6.98%

Asset Resilience Insights

Limited Liquidity: SmartFinancial, Inc. maintains only 6.98% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company has significant short-term investments, indicating active treasury management.

SmartFinancial, Inc. Industry Peers by Asset Resilience Ratio

Compare SmartFinancial, Inc.'s asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Bank of Guiyang Co Ltd SHG:601997	Banks - Regional	-0.78%
VersaBank TO:VBNK	Banks - Regional	1.65%
Bank Agris Tbk JK:AGRS	Banks - Regional	1.98%
RMB Holdings Ltd JSE:RMH	Banks - Regional	20.83%
Bank Tabungan Pensiunan Nasional Syariah PT JK:BTPS	Banks - Regional	44.92%
Banco Bradesco DRC BA:BBD	Banks - Regional	4.82%
Grupo Financiero Galicia S.A. BA:GGAL	Banks - Regional	8.18%
Banco Macro SA B BA:BMA	Banks - Regional	0.55%

Annual Asset Resilience Ratio for SmartFinancial, Inc. (2005–2024)

The table below shows the annual Asset Resilience Ratio data for SmartFinancial, Inc..

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2024-12-31	5.90%	$311.22 Million	$5.28 Billion	-2.56pp
2023-12-31	8.46%	$408.41 Million	$4.83 Billion	-2.03pp
2022-12-31	10.49%	$483.89 Million	$4.61 Billion	+0.03pp
2021-12-31	10.46%	$482.45 Million	$4.61 Billion	+3.94pp
2020-12-31	6.52%	$215.63 Million	$3.30 Billion	-0.76pp
2019-12-31	7.28%	$178.35 Million	$2.45 Billion	-1.59pp
2018-12-31	8.87%	$201.69 Million	$2.27 Billion	+0.04pp
2017-12-31	8.83%	$151.94 Million	$1.72 Billion	-3.35pp
2016-12-31	12.18%	$129.42 Million	$1.06 Billion	-4.07pp
2015-12-31	16.25%	$166.41 Million	$1.02 Billion	-2.27pp
2014-12-31	18.52%	$98.88 Million	$533.80 Million	-2.81pp
2013-12-31	21.33%	$92.21 Million	$432.22 Million	+4.06pp
2012-12-31	17.28%	$76.10 Million	$440.46 Million	-3.08pp
2011-12-31	20.36%	$86.06 Million	$422.65 Million	+10.70pp
2006-12-31	9.66%	$36.22 Million	$374.94 Million	+0.48pp
2005-12-31	9.18%	$29.70 Million	$323.61 Million	--

pp = percentage points

About SmartFinancial, Inc.

NASDAQ:SMBK USA Banks - Regional

Market Cap

$632.59 Million

Market Cap Rank

#11699 Global

#2800 in USA

Share Price

$37.15

Change (1 day)

-0.59%

52-Week Range

$30.33 - $37.83

All Time High

$37.83