D
SmartBiz Bank, National Association
Rating Date
March 2026
Risk Based
Capital Ratio
11.76
Leverage
Ratio
9.03
Return On
Assets
-7.49%
Total
Assets
191.93M
Capital
28.00M
Total
Deposits
144.46M
Net
Income
-10.12M
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Weiss Ratings SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Rating D
Asset Quality Index 4.00
Capitalization Index 7.10
Liquidity Index 0.20
Profitability Index 0.70
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 29.55%
5-Year Asset Growth 3.02%
5-Year Charge-Offs to Average Loans 0.20%
Charge-Offs to Average Loans 0.78%
Non-Performing Assets to Assets 0.87%
Non-Performing Loans to Capital 7.73%
Non-Performing Loans to Loans 1.22%
Balance Sheet SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Total Assets 191.93M
Total Deposits 144.46M
Capital and Reserves SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Capital 28.00M
Leverage Ratio 9.03
Loan Loss Reserves to Loans 1.62%
Risk-Based Capital Ratio 11.76
Liquidity SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Hot Money Ratio 60.09%
Liquidity Ratio 17.41%
Profitability SmartBiz Bank, National Association
Northbrook, IL 		Click to
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5-Year Return on Average Assets 0.68%
Net Income -10.12M
Net Interest Spread 4.57%
Operating Profit to Average Assets -6.00%
Overhead Efficiency Ratio 146.40%
Return on Assets -7.49%
Return on Equity -42.11%