Bank call report · Northbrook, IL
Smartbiz Bank, N.A. Call Report
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Smartbiz Bank, N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 278 reported line items, schedule by schedule (767 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3377235 |
| FDIC certificate number | 58158 |
| Total assets | $200.8M |
Official Q2 2026 call report PDF (FFIEC) →
Smartbiz Bank, N.A. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (25 items)
About Schedule RC · Smartbiz Bank, N.A. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $200.8M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $200.8M |
| Total Liabilities and Minority Interest | RCON2948 | $172.4M |
| Total Deposits | RCON2200 | $167.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $145.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $137.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $133.9M |
| Surplus | RCON3839 | $35.9M |
| Total Equity Capital | RCON3210 | $28.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $28.4M |
| Federal Funds Sold | RCONB987 | $21.9M |
| Deposits: Noninterest-bearing | RCON6631 | $21.5M |
| Intangible Assets | RCON2143 | $15.9M |
| Other Assets | RCON2160 | $11.7M |
| Goodwill | RCON3163 | $11.3M |
| Undivided Profits and Capital Reserves | RCON3632 | -$10.5M |
| Loans and Leases Held for Sale | RCON5369 | $8.9M |
| Other Liabilities, Total | RCON2930 | $5.2M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $3.8M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $3.0M |
| Common Stock | RCON3230 | $2.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.4M |
| Interest-bearing Balances | RCON0071 | $250K |
| Accumulated Other Comprehensive Income | RCONB530 | -$34K |
Schedule RI: Income Statement (35 items)
About Schedule RI · Smartbiz Bank, N.A. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Noninterest Expense | RIAD4093 | $12.5M |
| Total Noninterest Income | RIAD4079 | $9.3M |
| Salaries and Employee Benefits | RIAD4135 | $7.7M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $6.4M |
| Total Interest Income | RIAD4107 | $6.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $5.9M |
| Other Noninterest Expense | RIAD4092 | $4.0M |
| Net Interest Income | RIAD4074 | $3.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $3.3M |
| Other Noninterest Income | RIADB497 | $2.6M |
| Total Interest Expense | RIAD4073 | $2.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $2.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.5M |
| Provision for Loan and Lease Losses | RIAD4230 | $1.0M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $1.0M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $665K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $653K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $522K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | -$357K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | -$357K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | -$331K |
| Net Income (Loss) | RIAD4340 | -$331K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | -$331K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $324K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $299K |
| Net Servicing Fees | RIADB492 | $187K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $141K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $111K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $88K |
| Other Interest Income | RIAD4518 | $37K |
| Applicable Income Taxes | RIAD4302 | -$26K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $12K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $4K |
| Other Interest Expense | RIADGW44 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 109 |
Schedule RC-B: Securities (7 items)
About Schedule RC-B · Smartbiz Bank, N.A. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $2.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $2.2M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $3.8M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $2.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $1.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $1.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $1.1M |
Schedule RC-C, Part I: Loans and Leases (27 items)
About Schedule RC-C, Part I · Smartbiz Bank, N.A. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $145.9M |
| Pledged Loans and Leases | RCONG378 | $101.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $83.1M |
| Commercial and Industrial Loans | RCON1766 | $64.9M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $64.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $35.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $30.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $27.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $21.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $12.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $8.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $7.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $7.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $4.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $1.9M |
| Unearned Income on Loans | RCON2123 | $1.9M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $1.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $1.6M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $1.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $1.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $960K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $873K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $723K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $611K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $611K |
| Other Loans | RCONJ464 | $8K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $37.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $19.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $15.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $10.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $2.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $499K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 1,007 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 68 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 41 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 36 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 16 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 9 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · Smartbiz Bank, N.A. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $145.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $95.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $73.7M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $50.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $47.8M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $44.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $40.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $34.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $29.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $22.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $21.5M |
| Total Transaction Accounts | RCON2215 | $21.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $21.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $17.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $16.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $14.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $11.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $10.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $6.8M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $6.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $6.0M |
| Total Brokered Deposits | RCON2365 | $6.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.4M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $2.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $415K |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $65K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $3K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $7.1M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $2.6M |
| Accounts Receivable | RCONFT34 | $2.5M |
| Accrued Interest Receivable | RCONB556 | $1.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $924K |
| Prepaid Expenses | RCON2166 | $721K |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $2.3M |
| All Other Liabilities | RCON2938 | $1.7M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.1M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $41K |
Schedule RC-K: Quarterly Averages (13 items)
About Schedule RC-K · Smartbiz Bank, N.A. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $199.4M |
| Quarterly Average of Total Loans | RCON3360 | $148.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $87.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $73.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $66.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $32.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $22.3M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $19.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $9.0M |
| Mortgage-backed Securities | RCONB559 | $3.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $2.4M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $1.1M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $769K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Smartbiz Bank, N.A. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $6.9M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $4.4M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $625K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $455K |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $258K |
Schedule RC-M: Memoranda (3 items)
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (9 items)
About Schedule RC-N · Smartbiz Bank, N.A. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $1.4M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 90 Days or More and Still Accruing | RCON5399 | $1.4M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $788K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $469K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $319K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $151K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $80K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $71K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $32K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Smartbiz Bank, N.A. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $199.4M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $174.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $124.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $46.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $15.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $2.8M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $552K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 1,504 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 132 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 63 |
| Averaging Method Used | RCONK653 | 2 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Smartbiz Bank, N.A. regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Smartbiz Bank, N.A. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $199.4M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $186.8M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $153.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $38.9M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $28.4M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $17.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $15.7M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $15.7M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $15.7M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $12.6M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $11.3M |
| Retained Earnings | RCOAKW00 | -$10.5M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.9M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.9M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.9M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $1.3M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$34K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | $34K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.115 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1024 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1024 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0842 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.035 |
Schedule RC-R, Part II: Risk-Weighted Assets (50 items)
About Schedule RC-R, Part II · Smartbiz Bank, N.A. risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $154.9M |
| Total Risk-weighted Assets | RCONG641 | $153.6M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $134.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $134.9M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $132.1M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $130.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $118.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $38.6M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $38.6M |
| Total All Other Assets | RCOND981 | $30.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $23.5M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $22.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $15.2M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $15.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $15.0M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $15.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $14.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $13.9M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $13.6M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $13.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $11.6M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $8.4M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $7.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $6.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $3.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $3.4M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $3.3M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $3.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $3.3M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$3.2M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $2.9M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $2.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $1.7M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $1.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $1.3M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $1.2M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $1.1M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $919K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 150 Pct Risk Weight Category | RCONS463 | $749K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $749K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $749K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $690K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 20% | RCONS528 | $566K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $455K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $455K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $455K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $158K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $118K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$44K |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $29K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $28.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $28.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $28.0M |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $748K |
| Other Comprehensive Income | RIADB511 | -$51K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Smartbiz Bank, N.A. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $109K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $109K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $1K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Smartbiz Bank, N.A. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.1M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.2M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $109K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$2K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Second Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4499 | $748K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $204.1M |
| Total Gross Notional Amount of All Other Derivatives Not Held for Trading | RCONFT02 | $5.0M |
Smartbiz Bank, N.A. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Smartbiz Bank, N.A. call report?
The Smartbiz Bank, N.A. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Smartbiz Bank, N.A. file?
Smartbiz Bank, N.A. files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Smartbiz Bank, N.A. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Smartbiz Bank, N.A. has Federal Reserve RSSD ID 3377235 and FDIC certificate number 58158. Either one finds its filings on the FFIEC Central Data Repository.
How often does Smartbiz Bank, N.A. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Smartbiz Bank, N.A. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 58158) · FFIEC NIC profile (RSSD 3377235)