SmartFinancial, Inc., formerly Cornerstone Bancshares, Inc., is a bank holding company. The Company operates through subsidiaries, including SmartBank and Cornerstone Community Bank. SmartBank operates in approximately seven branch locations across East Tennessee and the Florida Panhandle. Cornerstone Community Bank operates in approximately five branch locations serving clients throughout the Chattanooga metropolitan statistical area (MSA). The Company, through its subsidiaries, offers personal banking, business banking and e-banking services. Its personal banking services include personal checking, personal savings, personal mortgages, personal loans and personal banking additional services. Its business banking services include business checking, business loans, small business administration (SBA) loans and business banking additional services. Its e-banking services include mobile banking, online bill pay, SmartPay and e-statements.