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
Unfavorable gap of $6.5M · efficiency ratio beats 12% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |