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. See working capital position of SmartFinancial, Inc. to evaluate short-term liquidity relative to the company's equity base.

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. For the complete balance sheet picture, see total assets of SmartFinancial, Inc..

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. Explore long-term investment intensity of SmartFinancial, Inc. to see how much of total assets are deployed in long-term investments.

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
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	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

#11439 Global

#2952 in USA

Share Price

$37.15

Change (1 day)

-0.59%

52-Week Range

$33.44 - $37.83

All Time High

$37.83