Welcome Capstone Clients!

At SmartBank, delivering unparalleled value to our Shareholders, Associates, Clients and the Communities we serve drives every decision and action we take. Exceptional value means being there with smart solutions, fast responses and deep commitment every single time. By doing this, we will create the Southeast’s next, great community banking franchise.


“We are very excited to welcome you to SmartBank – one of the most innovative and dynamic community banks in the Southeast! For the last several months, our team has been working very hard to make this transition to SmartBank as seamless as possible for you. Exciting changes are coming your way – new products and services, an innovative e-banking platform, and an expanded footprint with branches across Tennessee, Alabama and the Florida Panhandle.”

– Billy Carroll, SmartBank President & CEO

Welcome Booklet (Capstone Bank)

Please see our welcome booklet for any questions or concerns you may have.

Download Welcome Booklet PDF