Smartbiz Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to average assets dropped 1.02 percentage points in Q2 2026, from 15.25% to 14.23%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Smartbiz Bank, N.A. is 8th from the bottom among 198 Illinois banks, 10.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Smartbiz Bank, N.A. sits 4.83 points lower, at 10.24% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.24% |
| Tier 1 risk-based capital ratio | 10.24% |
| Total risk-based capital ratio | 11.50% |
| Tier 1 leverage ratio | 8.42% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $15.7M |
| Tier 1 capital | $15.7M |
| Total risk-based capital | $17.7M |
| Total equity capital | $28.4M |
| Risk-weighted assets | $153.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.13% |
| Tangible equity to tangible assets | 8.38% |
| Equity capital to average assets | 14.23% |
| Internal capital growth rate | 0.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.9M |
| Common stock surplus | $35.9M |
| Retained earnings | -$10.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$34K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.64% | 15.64% | 16.89% | 12.03% | $112.4M |
| Q4 2023 | 15.70% | 15.70% | 16.95% | 12.07% | $114.7M |
| Q1 2024 | 16.26% | 16.26% | 17.51% | 12.29% | $110.8M |
| Q2 2024 | 16.15% | 16.15% | 17.40% | 12.47% | $110.1M |
| Q3 2024 | 16.65% | 16.65% | 17.90% | 12.66% | $110.0M |
| Q4 2024 | 16.41% | 16.41% | 17.63% | 12.63% | $112.2M |
| Q1 2025 | 17.29% | 17.29% | 18.54% | 14.11% | $123.9M |
| Q2 2025 | 13.77% | 13.77% | 15.02% | 11.97% | $128.7M |
| Q3 2025 | 11.64% | 11.64% | 12.89% | 11.15% | $147.6M |
| Q4 2025 | 10.51% | 10.51% | 11.76% | 9.03% | $143.9M |
| Q1 2026 | 10.40% | 10.40% | 11.65% | 9.01% | $149.6M |
| Q2 2026 | 10.24% | 10.24% | 11.50% | 8.42% | $153.6M |
Smartbiz Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Smartbiz Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Smartbiz Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58158) · FFIEC NIC profile (RSSD 3377235)