Northbrook, IL · Cert 58158 · Smartbiz Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
29
Asset Quality
20
Profitability
28
Liquidity
93
Efficiency
12
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.
Northbrook, IL · Cert 58158 · Smartbiz Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #105 of 147 inst. · $0.2B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.35% | -4.04% | -7.07% | -6.27% | -5.89% | -0.80% | -0.33% | +674 bps | |
| Return on Equity | 2.97% | 2.57% | -22.81% | -39.51% | -36.05% | -35.09% | -5.66% | -2.35% | +3,716 bps | |
| Net Interest Margin | 3.68% | 3.63% | 0.66% | 2.58% | 3.11% | 3.29% | 4.31% | 4.16% | +158 bps | |
| Efficiency Ratio | 90.22% | 94.00% | 163.84% | 167.96% | 152.73% | 145.32% | 97.21% | 94.23% | -7,373 bps | |
| Non-Interest Burden | 3.17% | 3.30% | 2.16% | 7.70% | 7.76% | 7.27% | 3.71% | 3.24% | -446 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.47% | -4.41% | 9.32% | 15.18% | 23.17% | 29.55% | 24.52% | 19.30% | +413 bps | |
| Loan Growth (YoY) | 1.42% | 1.54% | 5.02% | 12.78% | 28.19% | 27.98% | 39.59% | 27.01% | +1,424 bps | |
| Deposit Growth (YoY) | -2.25% | -3.31% | 2.87% | 7.16% | 18.68% | 17.28% | 30.47% | 32.62% | +2,546 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 0.79% | 2.09% | 1.91% | 1.55% | 0.73% | 1.56% | 1.49% | -41 bps | |
| Net Charge-Offs / Loans | 0.15% | -0.07% | 0.00% | 0.00% | 0.00% | 0.54% | 0.00% | 0.15% | +15 bps | |
| Allowance / Loans | 1.28% | 1.22% | 1.45% | 1.58% | 1.62% | 1.62% | 1.86% | 2.14% | +56 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.6x | 0.7x | 0.8x | 1.0x | 2.2x | 1.2x | 1.4x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.66% | 12.63% | 14.11% | 11.97% | 11.15% | 9.03% | 9.01% | 8.42% | -355 bps | |
| Total Risk-Based Capital | 17.90% | 17.63% | 18.54% | 15.02% | 12.89% | 11.76% | 11.65% | 11.50% | -352 bps | |
| Equity / Assets | 13.86% | 14.09% | 20.93% | 18.25% | 16.14% | 14.59% | 13.78% | 14.13% | -412 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.44% | 87.27% | 84.87% | 91.12% | 91.21% | 95.22% | 90.80% | 87.27% | -385 bps | |
| Liquid Assets / Assets | 0.10% | 0.10% | 0.12% | 1.24% | 1.73% | 5.78% | 5.00% | 0.12% | -111 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 415% | 462% | 469% | n/a | 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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 4.16% | 3.16% | 3.63% | 4.08% | Beats 79% | 12 / 57 | ||
| Efficiency Ratio | 95.07% | 59.57% | 69.70% | 81.06% | Beats 12% | 51 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.49% | 0.06% | 0.34% | 1.78% | Beats 29% | 41 / 56 | ||
| Net Charge-Offs / Loans | 0.07% | n/a | 0.00% | 0.01% | Beats 11% | 51 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.24% | 12.24% | 16.06% | 19.69% | Beats 7% | 53 / 57 | ||
| Total Risk-Based Capital Ratio | 11.50% | 12.54% | 16.50% | 20.95% | Beats 12% | 50 / 57 | ||
| Equity / Assets | 14.13% | 9.37% | 11.56% | 15.00% | Beats 67% | 19 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.27% | 66.29% | 85.59% | 95.16% | 54th pctl | 26 / 57 | ||
| Loans / Assets | 72.70% | 57.07% | 71.07% | 78.13% | 54th pctl | 26 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||