$148M
+39.6%y/y
Percentile by value71st percentileby value
FDIC
LNLSGRSB
SmartBiz Bank, National Association
Northbrook, IllinoisFDIC Cert #58158
OCCEstablished 20061 branch
Holding company: SMARTBIZ BANCSHARES INCRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $27.1M |
| Investor CRE | $29.1M |
| Multifamily | $8.61M |
| Construction | $8.18M |
| 1–4 family | $9.01M |
| C&I | $67.4M |
| Agriculture | $0 |
| Other |
Loan book
Reported balances and balance-sheet intensity.
$145M
+39.0%y/y
Percentile by value71st percentileby value
FDIC
LNLSNET+39.00%
+659.8%y/y
Percentile by value96th percentileby value
FDIC
LNLSNET89.1%
+6.5%y/y
Percentile by value79th percentileby value
FDIC
LNLSNET + DEP71.0%
+11.6%y/y
Percentile by value67th percentileby value
FDIC
LNLSNET + ASSET56.58%
−29.3%y/y
Percentile by value14th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
263%
+52.6%y/y
Percentile by value94th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC47%
+532.2%y/y
Percentile by value75th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,893points
+23.5%y/y
Peer standing32nd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD18.29%
−41.3%y/y
Percentile by value84th percentileby value
FDIC
LNRENROW + LNLSGR19.66%
−26.6%y/y
Percentile by value84th percentileby value
FDIC
LNRENROT + LNLSGR45.49%
+109.3%y/y
Percentile by value99th percentileby value
FDIC
LNCI + LNLSGR