SmartBiz Bank, National Association
Northbrook, IL
IDRSSD: 3377235
Total Assets
$191.93M
Latest filing
Total Deposits
$144.46M
Latest filing
Net Interest Margin
4.79%
Profitability
Key People
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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 01/30/2026Established 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 | 117 |
| 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 | 01/30/2026 |
| CERT | 58158 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $191.93M |
| Total Deposits | $144.46M |
| Total Liabilities | $163.93M |
| Total Equity Capital | $28.00M |
| Net Income | $-2,265,000 |
| Net Loans and Leases | $135.34M |
| Assets Per Employee ($Millions) | $1.57M |
| Bank Premises and Fixed Assets | $4.40M |
| Cash and Balances due from Depository Institutions | $12.28M |
| Deposits Held in Domestic Offices | $144.46M |
Key Performance Ratios
| Return on Assets (ROA) | -4.79% |
| Return on Equity (ROE) | -31.19% |
| Net Interest Margin | 4.79% |
| Efficiency Ratio | 128.34% |
| Tier 1 Risk-Based Capital Ratio | 10.508% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.69% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.587% |
| Earning Assets to total Assets | 84.76% |
Income and Expense
| Total Interest Income | $3.07M |
| Total Noninterest Income | $3.05M |
| Total Interest Expense | $1.15M |
| Total Noninterest Expense | $6.44M |
| Net Interest Income | $1.92M |
| Pre-tax Net Operating Income | $-2,265,000 |
| Provision for Credit Losses | $800.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $11.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $12.21M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.47M |
| Total Liabilities and Capital | $191.93M |
Securities
| Securities | $4.04M |
| Available-for-sale debt securities | $4.04M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$191.93M as of the latest filing.
How much are SmartBiz Bank, National Association's total deposits?
$144.46M in total deposits.
Where is SmartBiz Bank, National Association located?
Northbrook, IL.
What is the Net Interest Margin?
4.79%.
How many domestic offices does it operate?
1.
When was it established?
04/14/2006.
What is the Return on Assets (ROA)?
-4.79%.
How much are total loans and leases?
$135.34M (latest filing).
What is the total interest income (latest filing)?
$3.07M.