C
SmartBiz Bank, National Association
Rating Date
June 2025
Risk Based
Capital Ratio
18.54
Leverage
Ratio
14.11
Return On
Assets
-3.83%
Total
Assets
164.60M
Capital
34.46M
Total
Deposits
125.08M
Net
Income
-1.58M
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Weiss Ratings SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Rating C
Asset Quality Index 4.70
Capitalization Index 10.00
Liquidity Index 0.90
Profitability Index 0.70
Stability Index 7.30
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 9.32%
5-Year Asset Growth 2.71%
5-Year Charge-Offs to Average Loans 0.20%
Charge-Offs to Average Loans --
Non-Performing Assets to Assets 1.55%
Non-Performing Loans to Capital 9.67%
Non-Performing Loans to Loans 2.09%
Balance Sheet SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Total Assets 164.60M
Total Deposits 125.08M
Capital and Reserves SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Capital 34.46M
Leverage Ratio 14.11
Loan Loss Reserves to Loans 1.45%
Risk-Based Capital Ratio 18.54
Liquidity SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Hot Money Ratio 50.41%
Liquidity Ratio 27.97%
Profitability SmartBiz Bank, National Association
Northbrook, IL 		Click to
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5-Year Return on Average Assets 0.68%
Net Income -1.58M
Net Interest Spread --
Operating Profit to Average Assets -3.83%
Overhead Efficiency Ratio 163.94%
Return on Assets -3.83%
Return on Equity -18.32%