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 | |