<?xml version="1.0" encoding="utf-8"?>
<!--XBRL document created with Toppan Merrill Bridge  11.3.0.1 -->
<!--Based on XBRL 2.1-->
<!--Created on: 5/11/2026 5:23:46 PM-->
<!--Modified on: 5/11/2026 5:23:46 PM-->
<xsd:schema targetNamespace="http://www.smartbank.com/20260331" attributeFormDefault="unqualified" elementFormDefault="qualified" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:smbk="http://www.smartbank.com/20260331" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:enum2="http://xbrl.org/2020/extensible-enumerations-2.0" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:dtr="http://www.xbrl.org/2009/dtr" xmlns:attributeFormDefault="unqualified" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:us-roles="http://fasb.org/us-roles/2025" xmlns:us-gaap="http://fasb.org/us-gaap/2025" xmlns:srt="http://fasb.org/srt/2025" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:net="http://www.xbrl.org/2009/role/net" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:deprecated="http://www.xbrl.org/2009/role/deprecated" xmlns:ecd="http://xbrl.sec.gov/ecd/2025" xmlns:ecd-sub="http://xbrl.sec.gov/ecd-sub/2025">
  <xsd:annotation>
    <xsd:appinfo>
      <link:roleType roleURI="http://www.smartbank.com/role/StatementConsolidatedBalanceSheets" id="StatementConsolidatedBalanceSheets">
        <link:definition>995200100 - Statement - CONSOLIDATED BALANCE SHEETS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/StatementConsolidatedStatementsOfIncome" id="StatementConsolidatedStatementsOfIncome">
        <link:definition>995200200 - Statement - CONSOLIDATED STATEMENTS OF INCOME</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/StatementConsolidatedStatementsOfComprehensiveIncome" id="StatementConsolidatedStatementsOfComprehensiveIncome">
        <link:definition>995200300 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/StatementConsolidatedStatementsOfCashFlows" id="StatementConsolidatedStatementsOfCashFlows">
        <link:definition>995200500 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureSecuritiesScheduleOfAvailableForSaleSecuritiesReconciliationDetails" id="DisclosureSecuritiesScheduleOfAvailableForSaleSecuritiesReconciliationDetails">
        <link:definition>99940302 - Disclosure - Securities - Schedule of Available-for-sale Securities Reconciliation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureSecuritiesAvailableForSaleByContractualMaturityDateDetails" id="DisclosureSecuritiesAvailableForSaleByContractualMaturityDateDetails">
        <link:definition>99940304 - Disclosure - Securities - Available-for-sale by Contractual Maturity Date (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureSecuritiesHeldToMaturityByContractualMaturityDateDetails" id="DisclosureSecuritiesHeldToMaturityByContractualMaturityDateDetails">
        <link:definition>99940305 - Disclosure - Securities - Held-to-maturity by Contractual Maturity Date (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureSecuritiesScheduleOfAvailableForSaleUnrealizedLossOnInvestmentsDetails" id="DisclosureSecuritiesScheduleOfAvailableForSaleUnrealizedLossOnInvestmentsDetails">
        <link:definition>99940306 - Disclosure - Securities - Schedule of Available-for-sale, Unrealized Loss on Investments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureSecuritiesScheduleOfHeldToMaturityUnrealizedLossOnInvestmentsDetails" id="DisclosureSecuritiesScheduleOfHeldToMaturityUnrealizedLossOnInvestmentsDetails">
        <link:definition>99940307 - Disclosure - Securities - Schedule of Held-to-maturity, Unrealized Loss on Investments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureGoodwillAndIntangibleAssetsScheduleOfFiniteLivedIntangibleAssetsDetails" id="DisclosureGoodwillAndIntangibleAssetsScheduleOfFiniteLivedIntangibleAssetsDetails">
        <link:definition>99940502 - Disclosure - Goodwill and Intangible Assets - Schedule of Finite-Lived Intangible Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureGoodwillAndIntangibleAssetsScheduleOfFiniteLivedIntangibleAssetsFutureAmortizationExpenseDetails" id="DisclosureGoodwillAndIntangibleAssetsScheduleOfFiniteLivedIntangibleAssetsFutureAmortizationExpenseDetails">
        <link:definition>99940503 - Disclosure - Goodwill and Intangible Assets - Schedule of Finite-Lived Intangible Assets, Future Amortization Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureBorrowingsLineOfCreditAndSubordinatedDebtScheduleOfDebtDetails" id="DisclosureBorrowingsLineOfCreditAndSubordinatedDebtScheduleOfDebtDetails">
        <link:definition>99940602 - Disclosure - Borrowings, Line of Credit and Subordinated Debt (Schedule of debt) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLeasesLeaseCostsAndOtherInformationDetails" id="DisclosureLeasesLeaseCostsAndOtherInformationDetails">
        <link:definition>99941103 - Disclosure - Leases (Lease Costs and Other Information) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLeasesLeaseMaturitiesDetails" id="DisclosureLeasesLeaseMaturitiesDetails">
        <link:definition>99941104 - Disclosure - Leases (Lease Maturities) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureOtherComprehensiveIncomeLossActivityInAccumulatedOtherComprehensiveIncomeDetails" id="DisclosureOtherComprehensiveIncomeLossActivityInAccumulatedOtherComprehensiveIncomeDetails">
        <link:definition>99941301 - Disclosure - Other Comprehensive Income (Loss) (Activity in Accumulated Other Comprehensive Income) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DocumentDocumentAndEntityInformation" id="DocumentDocumentAndEntityInformation">
        <link:definition>995200090 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/StatementConsolidatedStatementOfChangesInShareholdersEquity" id="StatementConsolidatedStatementOfChangesInShareholdersEquity">
        <link:definition>995200400 - Statement - CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureBorrowingsLineOfCreditAndSubordinatedDebtTables" id="DisclosureBorrowingsLineOfCreditAndSubordinatedDebtTables">
        <link:definition>99930603 - Disclosure - Borrowings, Line of Credit and Subordinated Debt (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureDerivativesFinancialInstrumentsTables" id="DisclosureDerivativesFinancialInstrumentsTables">
        <link:definition>99931003 - Disclosure - Derivatives Financial Instruments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosurePresentationOfFinancialInformationDetails" id="DisclosurePresentationOfFinancialInformationDetails">
        <link:definition>99940101 - Disclosure - Presentation of Financial Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureSecuritiesNarrativeDetails" id="DisclosureSecuritiesNarrativeDetails">
        <link:definition>99940301 - Disclosure - Securities - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureSecuritiesScheduleOfHeldToMaturitySecuritiesReconciliationDetails" id="DisclosureSecuritiesScheduleOfHeldToMaturitySecuritiesReconciliationDetails">
        <link:definition>99940303 - Disclosure - Securities - Schedule of Held-to-maturity Securities Reconciliation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureSecuritiesOtherInvestmentsDetails" id="DisclosureSecuritiesOtherInvestmentsDetails">
        <link:definition>99940308 - Disclosure - Securities - Other Investments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLoansAndLeasesAndAllowanceForCreditLossesDetails" id="DisclosureLoansAndLeasesAndAllowanceForCreditLossesDetails">
        <link:definition>99940401 - Disclosure - Loans and Leases and Allowance for Credit Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLoansAndLeasesAndAllowanceForCreditLossesAllRollForwardDetails" id="DisclosureLoansAndLeasesAndAllowanceForCreditLossesAllRollForwardDetails">
        <link:definition>99940402 - Disclosure - Loans and Leases and Allowance for Credit Losses - ALL Roll Forward (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLoansAndLeasesAndAllowanceForCreditLossesRiskRatingBasedOnYearOfOriginationForCurrentYearDetails" id="DisclosureLoansAndLeasesAndAllowanceForCreditLossesRiskRatingBasedOnYearOfOriginationForCurrentYearDetails">
        <link:definition>99940403 - Disclosure - Loans and Leases and Allowance for Credit Losses - Risk Rating Based on Year of Origination for Current Year (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLoansAndLeasesAndAllowanceForCreditLossesRiskRatingBasedOnYearOfOriginationForPriorYearDetails" id="DisclosureLoansAndLeasesAndAllowanceForCreditLossesRiskRatingBasedOnYearOfOriginationForPriorYearDetails">
        <link:definition>99940404 - Disclosure - Loans and Leases and Allowance for Credit Losses - Risk Rating Based on Year of Origination for Prior Year (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLoansAndLeasesAndAllowanceForCreditLossesPastDueLoansDetails" id="DisclosureLoansAndLeasesAndAllowanceForCreditLossesPastDueLoansDetails">
        <link:definition>99940405 - Disclosure - Loans and Leases and Allowance for Credit Losses - Past Due Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLoansAndLeasesAndAllowanceForCreditLossesNonaccrualStatusDetails" id="DisclosureLoansAndLeasesAndAllowanceForCreditLossesNonaccrualStatusDetails">
        <link:definition>99940406 - Disclosure - Loans and Leases and Allowance for Credit Losses - Nonaccrual Status (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLoansAndLeasesAndAllowanceForCreditLossesCollateralDependentLoansDetails" id="DisclosureLoansAndLeasesAndAllowanceForCreditLossesCollateralDependentLoansDetails">
        <link:definition>99940407 - Disclosure - Loans and Leases and Allowance for Credit Losses - Collateral Dependent Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLoansAndLeasesAndAllowanceForCreditLossesLoanModificationsToBorrowersExperiencingFinancialDifficultyDetails" id="DisclosureLoansAndLeasesAndAllowanceForCreditLossesLoanModificationsToBorrowersExperiencingFinancialDifficultyDetails">
        <link:definition>99940408 - Disclosure - Loans and Leases and Allowance for Credit Losses - Loan Modifications to Borrowers Experiencing Financial Difficulty (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLoansAndLeasesAndAllowanceForCreditLossesNarrativeDetails" id="DisclosureLoansAndLeasesAndAllowanceForCreditLossesNarrativeDetails">
        <link:definition>99940410 - Disclosure - Loans and Leases and Allowance for Credit Losses - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureGoodwillAndIntangibleAssetsNarrativeDetails" id="DisclosureGoodwillAndIntangibleAssetsNarrativeDetails">
        <link:definition>99940501 - Disclosure - Goodwill and Intangible Assets - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureBorrowingsLineOfCreditAndSubordinatedDebtNarrativeDetails" id="DisclosureBorrowingsLineOfCreditAndSubordinatedDebtNarrativeDetails">
        <link:definition>99940601 - Disclosure - Borrowings, Line of Credit and Subordinated Debt - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureBorrowingsLineOfCreditAndSubordinatedDebtSubordinatedDebtDetails" id="DisclosureBorrowingsLineOfCreditAndSubordinatedDebtSubordinatedDebtDetails">
        <link:definition>99940603 - Disclosure - Borrowings, Line of Credit and Subordinated Debt - Subordinated Debt (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureEmployeeBenefitPlansNarrativeDetails" id="DisclosureEmployeeBenefitPlansNarrativeDetails">
        <link:definition>99940701 - Disclosure - Employee Benefit Plans (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureEmployeeBenefitPlansScheduleOfNonVestedRestrictedStockDetails" id="DisclosureEmployeeBenefitPlansScheduleOfNonVestedRestrictedStockDetails">
        <link:definition>99940702 - Disclosure - Employee Benefit Plans (Schedule of Non-vested Restricted Stock) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureCommitmentsAndContingentLiabilitiesDetails" id="DisclosureCommitmentsAndContingentLiabilitiesDetails">
        <link:definition>99940801 - Disclosure - Commitments and Contingent Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureFairValueDisclosuresAssetsAndLiabilitiesMeasuredOnRecurringBasisDetails" id="DisclosureFairValueDisclosuresAssetsAndLiabilitiesMeasuredOnRecurringBasisDetails">
        <link:definition>99940901 - Disclosure - Fair Value Disclosures (Assets and Liabilities Measured on Recurring Basis) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureFairValueDisclosuresAssetsAndLiabilitiesMeasuredOnNonrecurringBasisDetails" id="DisclosureFairValueDisclosuresAssetsAndLiabilitiesMeasuredOnNonrecurringBasisDetails">
        <link:definition>99940902 - Disclosure - Fair Value Disclosures (Assets and Liabilities Measured on Nonrecurring Basis) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureFairValueDisclosuresUnobservableInputsDetails" id="DisclosureFairValueDisclosuresUnobservableInputsDetails">
        <link:definition>99940903 - Disclosure - Fair Value Disclosures (Unobservable Inputs) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureFairValueDisclosuresCarryingAmountAndEstimatedFairValueOfFinancialInstrumentsDetails" id="DisclosureFairValueDisclosuresCarryingAmountAndEstimatedFairValueOfFinancialInstrumentsDetails">
        <link:definition>99940904 - Disclosure - Fair Value Disclosures (Carrying Amount and Estimated Fair Value of Financial Instruments) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureFairValueDisclosuresAdditionalDetail" id="DisclosureFairValueDisclosuresAdditionalDetail">
        <link:definition>99940905 - Disclosure - Fair Value Disclosures (Additional) (Detail)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureDerivativesFinancialInstrumentsFairValueHedgesOnBalanceSheetDetails" id="DisclosureDerivativesFinancialInstrumentsFairValueHedgesOnBalanceSheetDetails">
        <link:definition>99941001 - Disclosure - Derivatives Financial Instruments (Fair Value Hedges on Balance Sheet) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureDerivativesFinancialInstrumentsFairValueHedgesOnIncomeStatementDetails" id="DisclosureDerivativesFinancialInstrumentsFairValueHedgesOnIncomeStatementDetails">
        <link:definition>99941002 - Disclosure - Derivatives Financial Instruments (Fair Value Hedges on Income Statement) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureDerivativesFinancialInstrumentsInterestRateSwapsRelatedToLoanHedgingProgramDetails" id="DisclosureDerivativesFinancialInstrumentsInterestRateSwapsRelatedToLoanHedgingProgramDetails">
        <link:definition>99941003 - Disclosure - Derivatives Financial Instruments (Interest Rate Swaps related to Loan Hedging Program) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureDerivativesFinancialInstrumentsEffectOfFairValueAndCashFlowHedgeAccountingOnAociDetails" id="DisclosureDerivativesFinancialInstrumentsEffectOfFairValueAndCashFlowHedgeAccountingOnAociDetails">
        <link:definition>99941004 - Disclosure - Derivatives Financial Instruments (Effect of Fair Value and Cash Flow Hedge Accounting on AOCI) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureDerivativesFinancialInstrumentsEffectOfFairValueAndCashFlowHedgeAccountingOnIncomeDetails" id="DisclosureDerivativesFinancialInstrumentsEffectOfFairValueAndCashFlowHedgeAccountingOnIncomeDetails">
        <link:definition>99941005 - Disclosure - Derivatives Financial Instruments (Effect of Fair Value and Cash Flow Hedge Accounting on the Income) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureDerivativesFinancialInstrumentsInterestRateSwapsToFacilitateCustomerSTransactionsDetails" id="DisclosureDerivativesFinancialInstrumentsInterestRateSwapsToFacilitateCustomerSTransactionsDetails">
        <link:definition>99941006 - Disclosure - Derivatives Financial Instruments (Interest Rate Swaps to Facilitate Customer's Transactions) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLeasesNarrativeDetails" id="DisclosureLeasesNarrativeDetails">
        <link:definition>99941101 - Disclosure - Leases (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureRegulatoryMattersNarrativeDetails" id="DisclosureRegulatoryMattersNarrativeDetails">
        <link:definition>99941201 - Disclosure - Regulatory Matters (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureRegulatoryMattersRegulatoryCapitalLevelsDetails" id="DisclosureRegulatoryMattersRegulatoryCapitalLevelsDetails">
        <link:definition>99941202 - Disclosure - Regulatory Matters (Regulatory Capital Levels) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureSegmentInformationDetails" id="DisclosureSegmentInformationDetails">
        <link:definition>99941401 - Disclosure - Segment Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/StatementConsolidatedBalanceSheetsParenthetical" id="StatementConsolidatedBalanceSheetsParenthetical">
        <link:definition>995200105 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/StatementConsolidatedStatementOfChangesInShareholdersEquityParenthetical" id="StatementConsolidatedStatementOfChangesInShareholdersEquityParenthetical">
        <link:definition>995200405 - Statement - CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosurePresentationOfFinancialInformation" id="DisclosurePresentationOfFinancialInformation">
        <link:definition>995210101 - Disclosure - Presentation of Financial Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureEarningsPerShare" id="DisclosureEarningsPerShare">
        <link:definition>995210201 - Disclosure - Earnings Per Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureSecurities" id="DisclosureSecurities">
        <link:definition>995210301 - Disclosure - Securities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLoansAndLeasesAndAllowanceForCreditLosses" id="DisclosureLoansAndLeasesAndAllowanceForCreditLosses">
        <link:definition>995210401 - Disclosure - Loans and Leases and Allowance for Credit Losses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureGoodwillAndIntangibleAssets" id="DisclosureGoodwillAndIntangibleAssets">
        <link:definition>995210501 - Disclosure - Goodwill and Intangible Assets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureBorrowingsLineOfCreditAndSubordinatedDebt" id="DisclosureBorrowingsLineOfCreditAndSubordinatedDebt">
        <link:definition>995210601 - Disclosure - Borrowings, Line of Credit and Subordinated Debt</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureEmployeeBenefitPlans" id="DisclosureEmployeeBenefitPlans">
        <link:definition>995210701 - Disclosure - Employee Benefit Plans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureCommitmentsAndContingentLiabilities" id="DisclosureCommitmentsAndContingentLiabilities">
        <link:definition>995210801 - Disclosure - Commitments and Contingent Liabilities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureFairValueDisclosures" id="DisclosureFairValueDisclosures">
        <link:definition>995210901 - Disclosure - Fair Value Disclosures</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureDerivativesFinancialInstruments" id="DisclosureDerivativesFinancialInstruments">
        <link:definition>995211001 - Disclosure - Derivatives Financial Instruments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLeases" id="DisclosureLeases">
        <link:definition>995211101 - Disclosure - Leases</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureRegulatoryMatters" id="DisclosureRegulatoryMatters">
        <link:definition>995211201 - Disclosure - Regulatory Matters</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureOtherComprehensiveIncomeLoss" id="DisclosureOtherComprehensiveIncomeLoss">
        <link:definition>995211301 - Disclosure - Other Comprehensive Income (Loss)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureSegmentInformation" id="DisclosureSegmentInformation">
        <link:definition>995211401 - Disclosure - Segment Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosurePresentationOfFinancialInformationPolicies" id="DisclosurePresentationOfFinancialInformationPolicies">
        <link:definition>99920102 - Disclosure - Presentation of Financial Information (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureEarningsPerShareTables" id="DisclosureEarningsPerShareTables">
        <link:definition>99930203 - Disclosure - Earnings Per Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureSecuritiesTables" id="DisclosureSecuritiesTables">
        <link:definition>99930303 - Disclosure - Securities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLoansAndLeasesAndAllowanceForCreditLossesTables" id="DisclosureLoansAndLeasesAndAllowanceForCreditLossesTables">
        <link:definition>99930403 - Disclosure - Loans and Leases and Allowance for Credit Losses (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureGoodwillAndIntangibleAssetsTables" id="DisclosureGoodwillAndIntangibleAssetsTables">
        <link:definition>99930503 - Disclosure - Goodwill and Intangible Assets (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureEmployeeBenefitPlansTables" id="DisclosureEmployeeBenefitPlansTables">
        <link:definition>99930703 - Disclosure - Employee Benefit Plans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureCommitmentsAndContingentLiabilitiesTables" id="DisclosureCommitmentsAndContingentLiabilitiesTables">
        <link:definition>99930803 - Disclosure - Commitments and Contingent Liabilities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureFairValueDisclosuresTables" id="DisclosureFairValueDisclosuresTables">
        <link:definition>99930903 - Disclosure - Fair Value Disclosures (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLeasesTables" id="DisclosureLeasesTables">
        <link:definition>99931103 - Disclosure - Leases (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureRegulatoryMattersTables" id="DisclosureRegulatoryMattersTables">
        <link:definition>99931203 - Disclosure - Regulatory Matters (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureOtherComprehensiveIncomeLossTables" id="DisclosureOtherComprehensiveIncomeLossTables">
        <link:definition>99931303 - Disclosure - Other Comprehensive Income (Loss) (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureSegmentInformationTables" id="DisclosureSegmentInformationTables">
        <link:definition>99931403 - Disclosure - Segment Information (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureEarningsPerShareNarrativeDetails" id="DisclosureEarningsPerShareNarrativeDetails">
        <link:definition>99940201 - Disclosure - Earnings Per Share (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureEarningsPerShareScheduleOfEarningsPerShareBasicAndDilutedDetails" id="DisclosureEarningsPerShareScheduleOfEarningsPerShareBasicAndDilutedDetails">
        <link:definition>99940202 - Disclosure - Earnings Per Share (Schedule of Earnings Per Share, Basic and Diluted) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureDerivativesFinancialInstrumentsCollateralRequirementsDetails" id="DisclosureDerivativesFinancialInstrumentsCollateralRequirementsDetails">
        <link:definition>99941007 - Disclosure - Derivatives Financial Instruments (Collateral Requirements) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureLeasesBalanceSheetLeaseAssetsAndLiabilitiesDetails" id="DisclosureLeasesBalanceSheetLeaseAssetsAndLiabilitiesDetails">
        <link:definition>99941102 - Disclosure - Leases (Balance Sheet Lease Assets and Liabilities) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:linkbaseRef xlink:type="simple" xlink:href="smbk-20260331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="smbk-20260331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="smbk-20260331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="smbk-20260331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:roleType roleURI="http://www.smartbank.com/role/DisclosureStandardAndCustomAxisDomainDefaults" id="DisclosureStandardAndCustomAxisDomainDefaults">
        <link:definition>99900 - Disclosure - Standard And Custom Axis Domain Defaults</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:import namespace="https://xbrl.org/2023/calculation-1.1" schemaLocation="https://www.xbrl.org/2023/calculation-1.1.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/ecd/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xsd:import namespace="http://fasb.org/us-roles/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-roles-2025.xsd" />
  <xsd:import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd" />
  <xsd:import namespace="http://fasb.org/us-gaap/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/ecd-sub/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-sub-2025.xsd" />
  <xsd:element name="FeesAndCommissionsDepositorAccounts1" id="smbk_FeesAndCommissionsDepositorAccounts1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="NetOccupancyAndEquipmentExpense" id="smbk_NetOccupancyAndEquipmentExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DefinedContributionPlanRangeOneMember" id="smbk_DefinedContributionPlanRangeOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="WeightedAverageNumberOfSharesOutstandingBasic1" id="smbk_WeightedAverageNumberOfSharesOutstandingBasic1" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfStockOptionPlans" id="smbk_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfStockOptionPlans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SmartBankMember" id="smbk_SmartBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfLoanPortfolioSegments" id="smbk_NumberOfLoanPortfolioSegments" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatureOfBusinessPolicyPolicyTextBlock" id="smbk_NatureOfBusinessPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FederalFundsSoldAndOtherEarningAssets" id="smbk_FederalFundsSoldAndOtherEarningAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="SmartfinancialIncMember" id="smbk_SmartfinancialIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FeesAndCommissionsDebitCards1" id="smbk_FeesAndCommissionsDebitCards1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="WatchMember" id="smbk_WatchMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedContributionPlanMatchingRangeAxis" id="smbk_DefinedContributionPlanMatchingRangeAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AssetsAndLiabilitiesLesseeTableTextBlock" id="smbk_AssetsAndLiabilitiesLesseeTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FederalReserveBankStockMember" id="smbk_FederalReserveBankStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ConstructionPortfolioSegmentMember" id="smbk_ConstructionPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FirstNationalBankersBankStockMember" id="smbk_FirstNationalBankersBankStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedContributionPlanRangeTwoMember" id="smbk_DefinedContributionPlanRangeTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OutstandingOffBalanceSheetRisksAmountLiability" id="smbk_OutstandingOffBalanceSheetRisksAmountLiability" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DefinedContributionPlanMatchingRangeDomain" id="smbk_DefinedContributionPlanMatchingRangeDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredSalaryReductionPlanMember" id="smbk_DeferredSalaryReductionPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansHeldForSale" id="smbk_LoansHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="NumberOfPropertiesOtherRealEstateOwned" id="smbk_NumberOfPropertiesOtherRealEstateOwned" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="PercentageOfAllowanceForCreditLossesToAggregateLoans" id="smbk_PercentageOfAllowanceForCreditLossesToAggregateLoans" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="AppraisalAndDiscountedCashFlowMember" id="smbk_AppraisalAndDiscountedCashFlowMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SavingsDepositsAndMoneyMarketAccountsFairValue" id="smbk_SavingsDepositsAndMoneyMarketAccountsFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="InterestRateSwapLiabilityMember" id="smbk_InterestRateSwapLiabilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SecuritiesSoldUnderAgreementToRepurchaseMaturityOfAgreement" id="smbk_SecuritiesSoldUnderAgreementToRepurchaseMaturityOfAgreement" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SecuritiesSoldUnderAgreementsToRepurchaseCarryingValueOfCollateral" id="smbk_SecuritiesSoldUnderAgreementsToRepurchaseCarryingValueOfCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="CollateralDependentLoansFairValueDisclosure" id="smbk_CollateralDependentLoansFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="CollateralDependentLoansMeasurementInput" id="smbk_CollateralDependentLoansMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTransferToHeldToMaturityMember" id="smbk_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesTransferToHeldToMaturityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionLessThan12MonthsNumberOfPositions" id="smbk_DebtSecuritiesHeldToMaturityUnrealizedLossPositionLessThan12MonthsNumberOfPositions" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="DebtSecuritiesHeldToMaturityUnrealizedLossPosition12MonthsOrLongerNumberOfPositions" id="smbk_DebtSecuritiesHeldToMaturityUnrealizedLossPosition12MonthsOrLongerNumberOfPositions" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="SecuritiesSoldUnderAgreementsToRepurchaseMaximumMonthEndAmount" id="smbk_SecuritiesSoldUnderAgreementsToRepurchaseMaximumMonthEndAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="SecuritiesSoldUnderAgreementsToRepurchaseMaximumAverageAmount" id="smbk_SecuritiesSoldUnderAgreementsToRepurchaseMaximumAverageAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="SecurePublicFundsAndSecuritiesSoldUnderAgreementsToRepurchaseMember" id="smbk_SecurePublicFundsAndSecuritiesSoldUnderAgreementsToRepurchaseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoanAndSecurityAgreementAndRevolvingLineOfCreditMember" id="smbk_LoanAndSecurityAgreementAndRevolvingLineOfCreditMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CollateralPledgedToDerivativeCounterparties" id="smbk_CollateralPledgedToDerivativeCounterparties" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="AociFairValueMunicipalSecurityHedgesMember" id="smbk_AociFairValueMunicipalSecurityHedgesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="BasisOfPresentationAndAccountingEstimatesPolicyTextBlock" id="smbk_BasisOfPresentationAndAccountingEstimatesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SummaryOfAmortizedCostBasisOfCollateralDependentLoansWhichAreIndividuallyEvaluatedToDetermineExpectedCreditLossesTableTextBlock" id="smbk_SummaryOfAmortizedCostBasisOfCollateralDependentLoansWhichAreIndividuallyEvaluatedToDetermineExpectedCreditLossesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherCollateralMember" id="smbk_OtherCollateralMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DerivativeIncludedComponentGainLossRecognizedInEarnings" id="smbk_DerivativeIncludedComponentGainLossRecognizedInEarnings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="HeldToMaturityDebtSecuritiesUnrealizedLossPositionAccumulatedLoss" id="smbk_HeldToMaturityDebtSecuritiesUnrealizedLossPositionAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <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="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="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="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="LeaseExtensionTermOptionToExtend" id="smbk_LeaseExtensionTermOptionToExtend" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <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="WriteOffOfIntangiblesFromSaleOfSbki" id="smbk_WriteOffOfIntangiblesFromSaleOfSbki" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <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:element name="RecentlyModifiedAccountingPolicyPolicyTextBlock" id="smbk_RecentlyModifiedAccountingPolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BeginningGrossBalanceMember" id="smbk_BeginningGrossBalanceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AccumulatedAmortizationMember" id="smbk_AccumulatedAmortizationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" id="smbk_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="O2026Q1DividendsMember" id="smbk_O2026Q1DividendsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
