C
SmartBiz Bank, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
15.02
Leverage
Ratio
11.97
Return On
Assets
-11.65%
Total
Assets
168.28M
Capital
30.71M
Total
Deposits
126.11M
Net
Income
-5.67M
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Weiss Ratings SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Rating C
Asset Quality Index 3.70
Capitalization Index 10.00
Liquidity Index 0.50
Profitability Index 0.80
Stability Index 7.00
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 15.18%
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 1.92%
Non-Performing Loans to Capital 13.02%
Non-Performing Loans to Loans 2.52%
Balance Sheet SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Total Assets 168.28M
Total Deposits 126.11M
Capital and Reserves SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Capital 30.71M
Leverage Ratio 11.97
Loan Loss Reserves to Loans 1.58%
Risk-Based Capital Ratio 15.02
Liquidity SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Hot Money Ratio 51.98%
Liquidity Ratio 22.01%
Profitability SmartBiz Bank, National Association
Northbrook, IL 		Click to
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5-Year Return on Average Assets 0.68%
Net Income -5.67M
Net Interest Spread 4.30%
Operating Profit to Average Assets -6.96%
Overhead Efficiency Ratio 169.02%
Return on Assets -11.65%
Return on Equity -62.98%