PackageTrendsPeer
Letter portraitLegal landscape

Smartbiz Bank, N.A.

Northbrook, IL · Cert 58158 · Smartbiz Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

29

Q2 2024Q2 2026peer median (50)

Asset Quality

20

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

12

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Smartbiz Bank, N.A.

Northbrook, IL · Cert 58158 · Smartbiz Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$200.8MAssets
$145.9MLoans
$167.2MDeposits
$28.4MEquity
Loan mix
55%RE $82.0M45%C&I $67.4M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $145.8M13%Noninterest $21.5MQ2 2025Q2 2026

NIM

6.68%Q2 ’243.90%Q2 ’256.38%Q2 ’26-30%+61%

Non-interest income vs. expense

4.21%Q2 ’2413.07%Q2 ’2512.57%Q2 ’26+120%-58%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #105 of 147 inst. · $0.2B of $630.7B

Executive Summary

  • Earnings: ROA of -0.33%, up 674 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 1.49% of loans (-41 bps YoY), with net charge-offs at 0.15%.
  • Capital: tier 1 leverage ratio of 8.42%, down 355 bps from a year ago.
  • Funding: loans stand at 87.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.33%+674 bps YoY

Net Interest Margin (YTD, annualized)

4.16%+158 bps YoY

Efficiency Ratio (YTD, annualized)

94.23%-7,373 bps YoY

Tier 1 Leverage Ratio

8.42%-355 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-7.07%-6.27%-5.89%-0.80%-0.33%+674 bps
Return on Equity-39.51%-36.05%-35.09%-5.66%-2.35%+3,716 bps
Net Interest Margin2.58%3.11%3.29%4.31%4.16%+158 bps
Efficiency Ratio167.96%152.73%145.32%97.21%94.23%-7,373 bps
Non-Interest Burden7.70%7.76%7.27%3.71%3.24%-446 bps
Growth
Asset Growth (YoY)15.18%23.17%29.55%24.52%19.30%+413 bps
Loan Growth (YoY)12.78%28.19%27.98%39.59%27.01%+1,424 bps
Deposit Growth (YoY)7.16%18.68%17.28%30.47%32.62%+2,546 bps
Asset Quality
Nonperforming Loans / Loans1.91%1.55%0.73%1.56%1.49%-41 bps
Net Charge-Offs / Loans0.00%0.00%0.54%0.00%0.15%+15 bps
Allowance / Loans1.58%1.62%1.62%1.86%2.14%+56 bps
Allowance Coverage of NPLs0.8x1.0x2.2x1.2x1.4x+0.6x
Capital
Tier 1 Leverage Ratio11.97%11.15%9.03%9.01%8.42%-355 bps
Total Risk-Based Capital15.02%12.89%11.76%11.65%11.50%-352 bps
Equity / Assets18.25%16.14%14.59%13.78%14.13%-412 bps
Liquidity & Funding
Loans / Deposits91.12%91.21%95.22%90.80%87.27%-385 bps
Liquid Assets / Assets1.24%1.73%5.78%5.00%0.12%-111 bps
CRE / Total Capitaln/a415%462%469%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Smartbiz Bank, N.A.

Northbrook, IL · Cert 58158 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Smartbiz Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$200.8MAssets
$145.9MLoans
$167.2MDeposits
$28.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 79% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 12 of 57).
  • Widest gap: return on assets trails 98% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 56 of 57).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.33%

Rank 56 of 57

Net Interest Margin

4.16%

Rank 12 of 57

Efficiency Ratio

95.07%

Rank 51 of 57

Equity / Assets

14.13%

Rank 19 of 57

Non-interest income vs. expense

$18.6M$25.1MINCOMEEXPENSE
Unfavorable gap of $6.5M · efficiency ratio beats 12% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 95.07%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.33%0.51%0.84%1.19%Beats 2%56 / 57
Return on Equity-2.33%3.13%7.76%11.40%Beats 4%55 / 57
Net Interest Margin4.16%3.16%3.63%4.08%Beats 79%12 / 57
Efficiency Ratio95.07%59.57%69.70%81.06%Beats 12%51 / 57
Asset Quality
Nonperforming Loans / Loans1.49%0.06%0.34%1.78%Beats 29%41 / 56
Net Charge-Offs / Loans0.07%n/a0.00%0.01%Beats 11%51 / 56
Capital
Tier 1 Capital Ratio10.24%12.24%16.06%19.69%Beats 7%53 / 57
Total Risk-Based Capital Ratio11.50%12.54%16.50%20.95%Beats 12%50 / 57
Equity / Assets14.13%9.37%11.56%15.00%Beats 67%19 / 57
Liquidity & Funding
Loans / Deposits87.27%66.29%85.59%95.16%54th pctl26 / 57
Loans / Assets72.70%57.07%71.07%78.13%54th pctl26 / 57
Brokered Deposits / Depositsn/aNot reported for this institution