D
SmartBiz Bank, National Association
Rating Date
August 2026
Risk Based
Capital Ratio
11.50
Leverage
Ratio
8.42
Return On
Assets
-0.34%
Total
Assets
200.76M
Capital
28.36M
Total
Deposits
167.24M
Net
Income
-331.00K
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Weiss Ratings SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Rating D
Asset Quality Index 2.20
Capitalization Index 6.40
Liquidity Index 0.20
Profitability Index 1.10
Stability Index 5.50
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 19.30%
5-Year Asset Growth 3.02%
5-Year Charge-Offs to Average Loans 0.28%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 0.70%
Non-Performing Loans to Capital 13.18%
Non-Performing Loans to Loans 0.96%
Balance Sheet SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Total Assets 200.76M
Total Deposits 167.24M
Capital and Reserves SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Capital 28.36M
Leverage Ratio 8.42
Loan Loss Reserves to Loans 2.14%
Risk-Based Capital Ratio 11.50
Liquidity SmartBiz Bank, National Association
Northbrook, IL 		Click to
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Hot Money Ratio 64.51%
Liquidity Ratio 15.84%
Profitability SmartBiz Bank, National Association
Northbrook, IL 		Click to
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5-Year Return on Average Assets -1.02%
Net Income -331.00K
Net Interest Spread 4.58%
Operating Profit to Average Assets -0.37%
Overhead Efficiency Ratio 95.07%
Return on Assets -0.34%
Return on Equity -2.35%