Smartbiz Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Smartbiz Bank, N.A. of Northbrook, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.13% | 1.35% | -1.22% | 6th bottom |
| ROAE | 0.95% | 12.06% | -11.11% | 6th bottom |
| Net Interest Margin | 4.62% | 3.90% | +0.72% | 83rd top |
| Efficiency Ratio | 90.82% | 63.14% | +27.68% | 6th bottom |
| PPNR / Avg Assets | 1.02% | 1.64% | -0.62% | 21st bottom |
| Yield on Earning Assets | 7.42% | 5.65% | +1.77% | 98th top |
| Cost of Funds | 2.95% | 1.85% | +1.10% | 6th bottom |
| Net Interest Spread | 4.10% | 3.35% | +0.75% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.96% | 0.92% | +0.04% | 29th below |
| NPA / Total Assets | 0.70% | 0.67% | +0.03% | 30th below |
| NCO / Avg Loans | 0.29% | 0.14% | +0.15% | 10th bottom |
| ACL / Total Loans | 2.14% | 1.28% | +0.86% | 95th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 223.23% | 1645.74% | -1422.51% | 51st above |
| Texas Ratio | 14.78% | 7.15% | +7.63% | 13th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 933.33% | 1189.36% | -256.03% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.24% | 20.84% | -10.60% | 4th bottom |
| Tier 1 Ratio | 10.24% | 20.87% | -10.63% | 3rd bottom |
| Total Capital Ratio | 11.50% | 21.94% | -10.44% | 5th bottom |
| Leverage Ratio | 8.42% | 12.47% | -4.05% | 5th bottom |
| Equity / Assets | 14.13% | 11.67% | +2.46% | 85th top |
| TCE / Tangible Assets | 8.38% | 11.40% | -3.02% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.27% | 78.64% | +8.63% | 35th below |
| Core Deposit Ratio | 75.98% | 87.10% | -11.12% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 19.30% | 6.47% | +12.83% | 94th top |
| Loan Growth (Y/Y) | 27.01% | 7.63% | +19.38% | 96th top |
| Deposit Growth (Y/Y) | 32.62% | 6.01% | +26.61% | 98th top |
See Smartbiz Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Smartbiz Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Smartbiz Bank, N.A. profile, how to read a UBPR, or how this data updates.