BlastPoint's Banking Scorecard
SmartBiz Bank, National Association
Micro
Specialty: Commercial
IL
FDIC cert 58158
Designations: ✓ Community bank
Northbrook, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
SmartBiz Bank, National Association has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 5.09% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 6.97% below tier
- - Efficiency Ratio 77.59% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$191.9M
+29.6% YoY
+2.9% QoQ
|
-$25.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$135.3M
+27.5% YoY
+3.4% QoQ
|
-$3.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$144.5M
+17.3% YoY
-1.0% QoQ
|
-$39.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
-5.89%
+6.2% QoQ
|
-6.97% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.77%
-4.6% YoY
+11.8% QoQ
|
-0.09% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
145.32%
+54.6% YoY
-4.9% QoQ
|
+77.59% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.75%
-6.3% YoY
-52.5% QoQ
|
+0.11% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
93.69%
+8.7% YoY
+4.4% QoQ
|
+19.16% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
13.99%
-9.9% YoY
+11.5% QoQ
|
-8.41% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.53%
-36.5% YoY
-58.9% QoQ
|
+0.07% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
10.51%
-36.0% YoY
-9.7% QoQ
|
+1.66% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
5.65%
+806.6% YoY
+35.3% QoQ
|
+5.09% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
5.65%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-5.89%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
145.32%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest Income / Assets
Current: 5.65% · Tier avg: 0.56%
55
55th pctile
Total Loans
Current: $135.3M · Tier avg: $139.2M
53
53th pctile
Tier 1 Capital Ratio
Current: 10.51% · Tier avg: 8.85%
49
49th pctile
Total Assets
Current: $191.9M · Tier avg: $217.5M
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
44
44th pctile
Total Deposits
Current: $144.5M · Tier avg: $183.7M
36
36th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.64%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.99% · Tier avg: 22.39%
16
16th pctile
Loan-to-Deposit Ratio
Current: 93.69% · Tier avg: 74.53%
0
0th pctile
Return on Assets
Current: -5.89% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 145.32% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 145.32% · Tier avg: 67.73%
0
0th pctile
Return on Assets
Current: -5.89% · Tier avg: 1.08%
16
16th pctile
Loan-to-Deposit Ratio
Current: 93.69% · Tier avg: 74.53%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.99% · Tier avg: 22.39%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
36
36th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.64%
44
44th pctile
Total Deposits
Current: $144.5M · Tier avg: $183.7M
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
49
49th pctile
Total Assets
Current: $191.9M · Tier avg: $217.5M
53
53th pctile
Tier 1 Capital Ratio
Current: 10.51% · Tier avg: 8.85%
55
55th pctile
Total Loans
Current: $135.3M · Tier avg: $139.2M
99
99th pctile
Non-Interest Income / Assets
Current: 5.65% · Tier avg: 0.56%