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Smartbiz Bank, National Association
Northbrook, IL · FDIC Certificate #58158 · Chartered 04/1
Total assets
$200.76M
Total deposits
$167.24M
Total equity
$28.36M
Net loans
$142.82M
Branches (offices)
1
Net income (YTD)
-$331.00K
Rank: #2,972 of 4,213 U.S. banks by assets · #195 of 322 in Illinois. Assets changed 19.3% and deposits 32.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.33% |
| Return on equity | -2.35% |
| Net interest margin (YTD) | 4.61% |
| Equity to assets | 14.13% |
| Tier 1 leverage ratio | 8.42% |
| Uninsured deposits (share of deposits) | 8.1% |
| Noncurrent loans (share of loans) | 1.49% |
| Net charge-offs (share of loans) | 0.15% |
| Loans to deposits | 85.4% |
| Real estate loans (share of loans) | 58.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $82.87M | 58.0% | |
| Commercial & industrial | $64.93M | 45.5% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $6.50M | 4.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $163.98M | $142.06M | $550.00K | $18.82M |
| Jun 2023 | $145.71M | $121.29M | $791.00K | $20.31M |
| Jun 2024 | $146.10M | $117.68M | $65.00K | $20.27M |
| Jun 2025 | $168.28M | $126.11M | -$5.67M | $30.71M |
| Jun 2026 | $200.76M | $167.24M | -$331.00K | $28.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $167.24M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $167.24M.
Similar-sized banks
Keystone Savings Bank ($200.76M) · The Valley State Bank ($200.51M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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