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BDI
SB

SmartBiz Bank, National Association

Northbrook, IllinoisFDIC Cert #58158

OCCEstablished 20061 branch

Holding company: SMARTBIZ BANCSHARES INCRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
1.09%
−19.4%y/y
Peer standing33rd percentile
Peer standing in asset:100m_300m
FDICP3ASSET + LNLSGR
90+ %
0.94%
Peer standing6th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + LNLSGR
Nonaccrual %
0.62%
−70.2%y/y
Peer standing31st percentile
Peer standing in asset:100m_300m
FDICNAASSET + LNLSGR
Noncurrent %
1.56%
−25.2%y/y
Peer standing18th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.13%
−27.1%y/y
Peer standing17th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$2.32M
−9.2%y/y
Peer standing16th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.00%
Peer standing77th percentile
Peer standing in asset:100m_300m
FDICNTLNLS + LNLSGR
NCO
−$1K
Peer standing81st percentile
Peer standing in asset:100m_300m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.86%
+28.8%y/y
Percentile by value90th percentileby value
Peer standing in asset:100m_300m
FDICLNATRES + LNLSGR
30–89
$1.61M
+12.5%y/y
Peer standing24th percentile
Peer standing in asset:100m_300m
FDICP3ASSET
90+
$1.39M
Peer standing4th percentile
Peer standing in asset:100m_300m
FDICP9ASSET
Nonaccrual
$924K
−58.4%y/y
Peer standing26th percentile
Peer standing in asset:100m_300m
FDICNAASSET