Smartbiz Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 46.29 percentage points in Q2 2026, from 176.94% to 223.23%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Smartbiz Bank, N.A. is 24th from the bottom among 323 Illinois banks, 0.13% (Q2 2026). Smartbiz Bank, N.A.'s return on assets of 0.13% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.12 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.24% |
| Tier 1 risk-based capital ratio | 10.24% |
| Total risk-based capital ratio | 11.50% |
| Tier 1 leverage ratio | 8.42% |
| Equity capital to assets | 14.13% |
| Tangible equity to tangible assets | 8.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.96% |
| Non-performing assets ratio | 0.70% |
| Net charge-off ratio | 0.29% |
| Texas ratio | 14.78% |
| Allowance for credit losses to loans | 2.14% |
| Reserve coverage of non-performing loans | 223.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.13% |
| Return on equity | 0.95% |
| Net interest margin | 4.62% |
| Efficiency ratio | 90.82% |
| Yield on earning assets | 7.42% |
| Cost of funds | 2.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.27% |
| Core deposits to total deposits | 75.98% |
| Brokered deposits to total deposits | 3.59% |
| Deposits to assets | 83.30% |
| Securities to assets | 1.89% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.64% | 15.64% | 16.89% | 12.03% | -2.20% |
| Q4 2023 | 15.70% | 15.70% | 16.95% | 12.07% | 0.90% |
| Q1 2024 | 16.26% | 16.26% | 17.51% | 12.29% | 0.02% |
| Q2 2024 | 16.15% | 16.15% | 17.40% | 12.47% | 0.15% |
| Q3 2024 | 16.65% | 16.65% | 17.90% | 12.66% | 1.05% |
| Q4 2024 | 16.41% | 16.41% | 17.63% | 12.63% | 0.19% |
| Q1 2025 | 17.29% | 17.29% | 18.54% | 14.11% | -3.83% |
| Q2 2025 | 13.77% | 13.77% | 15.02% | 11.97% | -10.16% |
| Q3 2025 | 11.64% | 11.64% | 12.89% | 11.15% | -5.23% |
| Q4 2025 | 10.51% | 10.51% | 11.76% | 9.03% | -5.03% |
| Q1 2026 | 10.40% | 10.40% | 11.65% | 9.01% | -0.86% |
| Q2 2026 | 10.24% | 10.24% | 11.50% | 8.42% | 0.13% |
Smartbiz Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Smartbiz Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)