SmartBiz Bank, National Association
Northbrook, IL
IDRSSD: 3377235
Total Assets
$186.53M
Latest filing
Total Deposits
$145.91M
Latest filing
Net Interest Margin
4.54%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
SmartBiz Bank, National Association
385 Waukegan Rd
Northbrook, IL 60062
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/14/2006FDIC Certificate 440820
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| SmartBiz Bank, National Association (Main) | 385 Waukegan Rd | Northbrook, IL | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 04/14/2006 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60062 |
| State and County Number | 17031 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 135 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/14/2025 |
| Date of Deposit Insurance | 04/14/2006 |
| Primary Insurance Agency | DIF |
| Website | www.SmartBizBank.com |
| Data Updated | 11/14/2025 |
| CERT | 58158 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $186.53M |
| Total Deposits | $145.91M |
| Total Liabilities | $156.42M |
| Total Equity Capital | $30.10M |
| Net Income | $-2,186,000 |
| Net Loans and Leases | $130.92M |
| Assets Per Employee ($Millions) | $1.59M |
| Bank Premises and Fixed Assets | $4.49M |
| Cash and Balances due from Depository Institutions | $4.47M |
| Deposits Held in Domestic Offices | $145.91M |
Key Performance Ratios
| Return on Assets (ROA) | -4.93% |
| Return on Equity (ROE) | -28.75% |
| Net Interest Margin | 4.54% |
| Efficiency Ratio | 134.37% |
| Tier 1 Risk-Based Capital Ratio | 11.64% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.77% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.139% |
| Earning Assets to total Assets | 84.71% |
Income and Expense
| Total Interest Income | $2.74M |
| Total Noninterest Income | $3.47M |
| Total Interest Expense | $1.05M |
| Total Noninterest Expense | $7.00M |
| Net Interest Income | $1.69M |
| Pre-tax Net Operating Income | $-2,171,000 |
| Provision for Credit Losses | $340.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $332.00k |
| Other borrowed funds | $3.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $19.74M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.51M |
| Total Liabilities and Capital | $186.53M |
Securities
| Securities | $4.12M |
| Available-for-sale debt securities | $4.12M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of SmartBiz Bank, National Association?
$186.53M as of the latest filing.
How much are SmartBiz Bank, National Association's total deposits?
$145.91M in total deposits.
Where is SmartBiz Bank, National Association located?
Northbrook, IL.
What is the Net Interest Margin?
4.54%.
How many domestic offices does it operate?
1.
When was it established?
04/14/2006.
What is the Return on Assets (ROA)?
-4.93%.
How much are total loans and leases?
$130.92M (latest filing).
What is the total interest income (latest filing)?
$2.74M.