Smartbiz Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Smartbiz Bank, N.A. is an FDIC-insured commercial bank headquartered in Northbrook, IL, established in 2006 (FDIC certificate 58158), and it is supervised by the OCC. At Q2 2026 it reported total assets of $200.8M, up 19.3% from Q2 2025, the 193rd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 10.24% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 58158
- Headquarters
- Northbrook, IL
- Established
- 2006
- Total assets, Q2 2026
- $200.8M
- Assets vs Q2 2025
- +19.3%
- CET1 ratio, Q2 2026
- 10.24%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071926553
- Latest call report
- Q2 2026, FFIEC 051 · Smartbiz Bank, N.A. call report
- Holding company
- SMARTBIZ BANCSHARES, INC.
- Asset rank in state
- 193rd of 319 in Illinois
Smartbiz Bank, N.A. spends more to run itself than most banks of its size. Based in Northbrook, Illinois, it had $201 million in assets at June 30, 2026, up 19.3% from a year earlier. It earns about $0.13 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 91 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Its $65 million commercial and industrial book is improving, with 0.66% past due or on nonaccrual, down from 5.39% a year earlier. Its $31 million non-owner-occupied commercial real estate book is now fully current, after 2.77% of it was past due or on nonaccrual a year earlier. Funding is the softer spot: it pays an average of 2.95% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Smartbiz Bank, N.A. reported a CET1 capital ratio of 10.24%, a return on assets of 0.13%, a nonperforming-loan ratio of 1.49% and a Texas ratio of 11.54%. The figures come from its call report filed with the FFIEC.
Smartbiz Bank, N.A. ranks as the 193rd largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.0% to $200.8M, loans fell 1.5% and deposits rose 2.5%. Commercial and industrial loans made up 44.5% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 20.9%. The FDIC Summary of Deposits lists a single office for it, in Northbrook, IL. On its Q2 2026 call report, Smartbiz Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 385 Waukegan Rd, Northbrook, IL 60062
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 14, 2006
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 109
- Domestic deposits
- $167.2M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $108K
- Average total assets
- $199.4M
- Average total loans
- $148.5M
- Average interest-bearing deposits
- $142.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 14, 2006
- FDIC Cert
- 58158
- Fed RSSD
- 3377235
- SEC CIK
- 1656823 → filed by SMARTBIZ BANCSHARES, INC.
- Website
- www.SmartBizBank.com →
- Parent Holding Company
- SMARTBIZ BANCSHARES, INC. (RSSD 5900806)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Smartbiz Bank, N.A.'s total assets ran between $146.1M (Q2 2024) and $205.0M (Q1 2026), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$200.8M total assets against $168.3M; $172.4M total liabilities against $137.6M.
$142.8M net loans and leases against $113.1M; $167.2M total deposits against $126.1M.
$3.8M securities against $5.7M; $23.5M cash and balances due against $24.6M.
$3.2M total interest income against $2.7M; $1.2M total interest expense against $1.0M.
$2.0M net interest income against $1.7M.
$4.1M total noninterest income against $3.6M; $5.6M total noninterest expense against $8.9M.
$468K provision for credit losses against $266K.
$67K net income against -$4.1M.
0.13% return on assets against -10.16%; 4.62% net interest margin against 4.47%.
10.24% CET1 capital ratio against 13.77%; 8.42% tier 1 leverage ratio against 11.97%.
Inside the full Smartbiz Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Smartbiz Bank, N.A. rankings
Its closest position to the top of a national ranking is 510 of 3,640, for Texas Ratio; its furthest is 2,075 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -10.16% (Q2 2025) to 1.05% (Q3 2024) and its net interest margin ran from 3.74% (Q4 2024) to 4.81% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.24% | 0.13% | 1.49% | 11.54% | 4.62% |
| Q1 2026 | 10.40% | -0.86% | 1.56% | 12.63% | 4.54% |
| Q4 2025 | 10.51% | -5.03% | 0.73% | 5.82% | 4.81% |
| Q3 2025 | 11.64% | -5.23% | 1.55% | 12.35% | 4.68% |
| Q2 2025 | 13.77% | -10.16% | 1.91% | 12.89% | 4.47% |
| Q1 2025 | 17.29% | -3.83% | 2.09% | 11.11% | — |
| Q4 2024 | 16.41% | 0.19% | 0.79% | 5.53% | 3.74% |
| Q3 2024 | 16.65% | 1.05% | 0.96% | 6.44% | 4.05% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Smartbiz Bank, National Association | Northbrook , IL | 60062 | $167.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC); 3 against individuals associated with it
- July 25, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Centrust Bank, National Association
- November 17, 2009, OCC: Formal Agreement: Centrust Bank, National Association
- June 16, 2009, OCC: Formal Agreement: Centrust Bank, National Association
- Period: Most recent institution action July 25, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 240 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 320 loans, $68.7M approved, $215K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Smartbiz Bank, N.A.
What are Smartbiz Bank, N.A.'s total assets?
As of the Q2 2026 filing, Smartbiz Bank, N.A. reported total assets of $200.8 million in its FFIEC call report.
Where is Smartbiz Bank, N.A. headquartered?
It is headquartered in Northbrook, IL, United States.
When was Smartbiz Bank, N.A. founded?
It was established in 2006, per the FDIC institution directory.
Is Smartbiz Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58158). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Smartbiz Bank, N.A.?
Smartbiz Bank, N.A.'s primary federal regulator is the OCC.
What is Smartbiz Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.24% in its Q2 2026 call report, above regulatory requirements.
How many branches does Smartbiz Bank, N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Smartbiz Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 11.54% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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