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James R. (Jim) Smail is a lifelong resident of Wayne County, Ohio. After completion of his education and his duty to his country in the Armed Forces, Jim entered the finance industry at a locally owned retail stock brokerage firm. In 1972 he joined The Monitor Bank, a small community bank, and purchased the controlling interest in it and retained ownership for 45 years, merging it then into a large regional bank in which he held a substantial ownership interest. He is Vice Chairman of Farmers National Bank of Canfield, Ohio, Chairman of its Executive Committee and Chairman of its Farmers Trust Company.

In 1975, he formed J.R. Smail, Inc. as its Chairman and CEO and entered the oil and gas exploration and production industry. His third business interest is as a cattle rancher with ranches in Ohio and formerly in Texas and Florida. He lives on a ranch in Wooster, Ohio along with his wife Sue and is a member of Grace Brethren Church in Wooster.