D
SmartBiz Bank, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
12.89
Leverage
Ratio
11.15
Return On
Assets
-8.68%
Total
Assets
186.53M
Capital
30.10M
Total
Deposits
145.91M
Net
Income
-7.85M
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Weiss Ratings SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Rating D
Asset Quality Index 4.60
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 0.50
Stability Index 6.80
Company Info SmartBiz Bank, National Association
Northbrook, IL 		Click to
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FDIC Number 58158
Phone Number (847) 267-1331
Website smartbizloans.com
Asset Quality SmartBiz Bank, National Association
Northbrook, IL 		Click to
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1-Year Asset Growth 23.17%
5-Year Asset Growth 2.71%
5-Year Charge-Offs to Average Loans 0.20%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.65%
Non-Performing Loans to Capital 10.64%
Non-Performing Loans to Loans 2.06%
Balance Sheet SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Total Assets 186.53M
Total Deposits 145.91M
Capital and Reserves SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Capital 30.10M
Leverage Ratio 11.15
Loan Loss Reserves to Loans 1.62%
Risk-Based Capital Ratio 12.89
Liquidity SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Hot Money Ratio 57.66%
Liquidity Ratio 18.11%
Profitability SmartBiz Bank, National Association
Northbrook, IL 		Click to
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5-Year Return on Average Assets 0.68%
Net Income -7.85M
Net Interest Spread 4.44%
Operating Profit to Average Assets -6.35%
Overhead Efficiency Ratio 153.80%
Return on Assets -8.68%
Return on Equity -47.18%