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  <xsd:element name="HeldToMaturityDebtSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" id="smbk_HeldToMaturityDebtSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="HeldToMaturityDebtSecuritiesUnrealizedLossPositionFairValue" id="smbk_HeldToMaturityDebtSecuritiesUnrealizedLossPositionFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="HeldToMaturityDebtSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" id="smbk_HeldToMaturityDebtSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="HeldToMaturityDebtSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsFairValue" id="smbk_HeldToMaturityDebtSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="HeldToMaturityDebtSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerFairValue" id="smbk_HeldToMaturityDebtSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="HeldToMaturityDebtSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions" id="smbk_HeldToMaturityDebtSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="OtherInvestmentsImpairment" id="smbk_OtherInvestmentsImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="HeldToMaturityDebtSecuritiesContinuousUnrealizedLossPositionAbstract" id="smbk_HeldToMaturityDebtSecuritiesContinuousUnrealizedLossPositionAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalReleaseForUnfundedCommitments" id="smbk_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalReleaseForUnfundedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalNotIncludingReleaseOfUnfundedCommitments" id="smbk_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalNotIncludingReleaseOfUnfundedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="NoncashRelatedRecognitionOfOperatingLeaseAssetsInExchangeForLeaseLiabilities" id="smbk_NoncashRelatedRecognitionOfOperatingLeaseAssetsInExchangeForLeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="Rule10b51ArrangementModified" id="smbk_Rule10b51ArrangementModified" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NonRule10b51ArrangementModified" id="smbk_NonRule10b51ArrangementModified" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableLoanModificationsPolicyPolicyTextBlock" id="smbk_FinancingReceivableLoanModificationsPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfPropertiesInProcessOfForeclosure" id="smbk_NumberOfPropertiesInProcessOfForeclosure" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="InterestIncomeSecuritiesOperatingTaxableGross" id="smbk_InterestIncomeSecuritiesOperatingTaxableGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="GainLossOnFairValueHedgesRecognizedInEarningsTaxableSecurities" id="smbk_GainLossOnFairValueHedgesRecognizedInEarningsTaxableSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="InterestIncomeSecuritiesTaxables" id="smbk_InterestIncomeSecuritiesTaxables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxReconciliationNondeductibleExpenseBenefitBankOwnedLifeInsurance" id="smbk_IncomeTaxReconciliationNondeductibleExpenseBenefitBankOwnedLifeInsurance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableImpairedLoansTableTextBlock" id="smbk_FinancingReceivableImpairedLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtSecuritiesAvailableForSaleAllowanceForCreditLossExpenseReversal" id="smbk_DebtSecuritiesAvailableForSaleAllowanceForCreditLossExpenseReversal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedPaymentArrangementRestrictedSharesDecreaseForTaxWithholdingObligation" id="smbk_ShareBasedPaymentArrangementRestrictedSharesDecreaseForTaxWithholdingObligation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="MortgageAndOtherNoninterestIncome" id="smbk_MortgageAndOtherNoninterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="AcquisitionOfOtherRepossessedAssets" id="smbk_AcquisitionOfOtherRepossessedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="FinancedSalesOfOtherRepossessedAssets" id="smbk_FinancedSalesOfOtherRepossessedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="InterestExpenseBorrowingsExcludingSubordinatedDebt" id="smbk_InterestExpenseBorrowingsExcludingSubordinatedDebt" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DerivativeInstrumentNotionalAmountAxis" id="smbk_DerivativeInstrumentNotionalAmountAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DerivativeInstrumentNotionalAmountDomain" id="smbk_DerivativeInstrumentNotionalAmountDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="Notional150000AmountMember" id="smbk_Notional150000AmountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="Notional100000AmountMember" id="smbk_Notional100000AmountMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GeneralBankingUnitMember" id="smbk_GeneralBankingUnitMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommercialRealEstateNonOwnerOccupiedLoansMember" id="smbk_CommercialRealEstateNonOwnerOccupiedLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommercialRealEstateOwnerOccupiedLoansMember" id="smbk_CommercialRealEstateOwnerOccupiedLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SubordinatedDebtNotesOneMember" id="smbk_SubordinatedDebtNotesOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SubordinatedDebtNotesTwoMember" id="smbk_SubordinatedDebtNotesTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ContributionsToSubsidiaryFromSubordinatedDebtIssuance" id="smbk_ContributionsToSubsidiaryFromSubordinatedDebtIssuance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="O2025Q3DividendsMember" id="smbk_O2025Q3DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SaleOfSubsidiaryBusinessEquityInterestDivestedPercentage" id="smbk_SaleOfSubsidiaryBusinessEquityInterestDivestedPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="SaleOfSubsidiaryBusinessPurchasePriceReceivedGross" id="smbk_SaleOfSubsidiaryBusinessPurchasePriceReceivedGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="SaleOfSubsidiaryBusinessWriteOffOfGoodwillAndIntangibles" id="smbk_SaleOfSubsidiaryBusinessWriteOffOfGoodwillAndIntangibles" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="SaleOfSubsidiaryBusinessWorkingCapitalAdjustmentsSettledAtClosing" id="smbk_SaleOfSubsidiaryBusinessWorkingCapitalAdjustmentsSettledAtClosing" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="SaleOfSubsidiaryBusinessPurchasePriceReceivedNet" id="smbk_SaleOfSubsidiaryBusinessPurchasePriceReceivedNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="SaleOfSubsidiaryBusinessTransactionCosts" id="smbk_SaleOfSubsidiaryBusinessTransactionCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="SaleOfSubsidiaryBusinessPreTaxGain" id="smbk_SaleOfSubsidiaryBusinessPreTaxGain" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LeaseExtensionTermOptionToExtend" id="smbk_LeaseExtensionTermOptionToExtend" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ProceedsFromIssuanceOfSubordinatedDebtNetOfIssuanceCosts" id="smbk_ProceedsFromIssuanceOfSubordinatedDebtNetOfIssuanceCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ProvisionForCreditLossesAndUnfundedCommitments" id="smbk_ProvisionForCreditLossesAndUnfundedCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="OtherIntangibleAssetsGross" id="smbk_OtherIntangibleAssetsGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="WriteOffOfIntangiblesFromSaleOfSbki" id="smbk_WriteOffOfIntangiblesFromSaleOfSbki" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossPolicyTextBlock" id="smbk_FinancingReceivableAllowanceForCreditLossPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="O2024Q3DividendsMember" id="smbk_O2024Q3DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="O2025Q4DividendsMember" id="smbk_O2025Q4DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="O2024Q4DividendsMember" id="smbk_O2024Q4DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DollyPartonParkwayLeaseMember" id="smbk_DollyPartonParkwayLeaseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LesseeOperatingLeaseInitialAnnualBaseRentPayable" id="smbk_LesseeOperatingLeaseInitialAnnualBaseRentPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AlcoaLeaseMember" id="smbk_AlcoaLeaseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LesseeOperatingLeaseNumberOfRenewalOptions" id="smbk_LesseeOperatingLeaseNumberOfRenewalOptions" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseBankOwnedLifeInsurancePercent" id="smbk_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseBankOwnedLifeInsurancePercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="O2025Q2DividendsMember" id="smbk_O2025Q2DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="O2025Q1DividendsMember" id="smbk_O2025Q1DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="O2024Q2DividendsMember" id="smbk_O2024Q2DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="O2024Q1DividendsMember" id="smbk_O2024Q1DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="GainLossFromCashFlowHedgeEffectivenessNetIncludedInInterestIncome" id="smbk_GainLossFromCashFlowHedgeEffectivenessNetIncludedInInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LossGainFromCashFlowHedgeEffectivenessNetIncludedInInterestExpense" id="smbk_LossGainFromCashFlowHedgeEffectivenessNetIncludedInInterestExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
</xsd:schema>
