SMARTBIZ BANK, N.A.

NORTHBROOK, IL | Small | Est. April 14, 2006, midnight | FDIC #58158 | RSSD #3377235 | OCC
Latest Report: 2025-12-31

SMARTBIZ BANK, N.A. is asn small FDIC-insured commercial bank headquartered in NORTHBROOK, IL, established in April 14, 2006, midnight. As of 2025-12-31, the bank reported total assets of $192M and total deposits of $144M. Profitability stands at -4.79% ROA and -31.19% ROE, with a net interest margin of 4.41%. The bank's CET1 capital ratio is 10.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.73% and a Texas Ratio of 3.34%. FDIC Certificate #58158.

Assets

$192M

Deposits

$144M

Loans

$138M

Equity

$28M

Profitability

Return on Assets (ROA) -4.79%
Return on Equity (ROE) -31.19%
Net Interest Margin (NIM) 4.41%
Yield on Assets 7.06%
Cost of Funds 3.03%

Asset Quality

NPL Ratio 0.73%
Net Charge-Off Ratio 0.54%
Texas Ratio 3.34%
NPA Ratio 0.53%
ACL / Loans 1.62%

Capital & Liquidity

CET1 Ratio 10.51%
Tier 1 Capital 10.51%
Total Capital Ratio 11.76%
Leverage Ratio 9.03%
Loan-to-Deposit 95.22%

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