SmartBiz Bank, National Association (FDIC certificate #58158) is based in Northbrook, Illinois. Its Q2 2026 call report shows $200.8M in total assets and $167.2M in deposits and 1 office.
SmartBiz Bank, National Association has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 306th. Problem-loan coverage contributes the most (86/100, 6.9%); earnings contributes the least (7/100, -0.33%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (48 → 44), mostly because the capital cushion component weakened by 36 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 67 |
| Q4 2024 | 68 |
| Q1 2025 | 55 |
| Q2 2025 | 48 |
| Q3 2025 | 50 |
| Q4 2025 | 50 |
| Q1 2026 | 43 |
| Q2 2026 | 44 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.47% |
| Q3 2024 | 12.66% |
| Q4 2024 | 12.63% |
| Q1 2025 | 14.11% |
| Q2 2025 | 11.97% |
| Q3 2025 | 11.15% |
| Q4 2025 | 9.03% |
| Q1 2026 | 9.01% |
| Q2 2026 | 8.42% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.84% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.79% |
| Q1 2025 | 2.09% |
| Q2 2025 | 1.91% |
| Q3 2025 | 1.55% |
| Q4 2025 | 0.73% |
| Q1 2026 | 1.56% |
| Q2 2026 | 1.49% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.35% |
| Q1 2025 | -4.04% |
| Q2 2025 | -7.07% |
| Q3 2025 | -6.27% |
| Q4 2025 | -5.89% |
| Q1 2026 | -0.80% |
| Q2 2026 | -0.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 44 | $200.8M | 8.42% | 1.49% | -0.33% | 85.4% |
| Q1 2026 | 43 | $205.0M | 9.01% | 1.56% | -0.80% | 89.1% |
| Q4 2025 | 50 | $191.9M | 9.03% | 0.73% | -5.89% | 93.7% |
| Q3 2025 | 50 | $186.5M | 11.15% | 1.55% | -6.27% | 89.7% |
| Q2 2025 | 48 | $168.3M | 11.97% | 1.91% | -7.07% | 89.7% |
| Q1 2025 | 55 | $164.6M | 14.11% | 2.09% | -4.04% | 83.6% |
| Q4 2024 | 68 | $148.1M | 12.63% | 0.79% | 0.35% | 86.2% |
| Q3 2024 | 67 | $151.4M | 12.66% | 0.96% | 0.40% | 83.4% |
| Q2 2024 | 56 | $146.1M | 12.47% | 1.84% | 0.09% | 85.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank in TaylorvilleBank Taylorville, IL | 92 out of 100, Very strong | $200.1M | 14.4% | 0.00% | vs |
| First Community Bank and TrustBank Beecher, IL | 91 out of 100, Very strong | $201.7M | 13.5% | 0.00% | vs |
| Fidelity BankBank Savanna, IL | 52 out of 100, Below average | $198.6M | 8.0% | 0.78% | vs |
| Vermilion Valley BankBank Piper City, IL | 96 out of 100, Very strong | $198.2M | 16.7% | 0.03% | vs |
| Scott State BankBank Bethany, IL | 86 out of 100, Very strong | $203.5M | 13.7% | 0.24% | vs |
| Frederick Community Bank, TheBank Paxton, IL | 84 out of 100, Strong | $196.1M | 10.4% | 0.00% | vs |
Deposit insurance
Is my money safe at SmartBiz Bank, National Association?
Yes. SmartBiz Bank, National Association is an FDIC-insured institution (FDIC certificate #58158). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.1% of deposits ($13.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.42%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.50% (benchmark: 10%).
1 location
Branches
SmartBiz Bank, National Association lists 1 office in 1 city. Most locations:
- Northbrook, IL (1)
Identity & history
Profile
- Legal name
- SmartBiz Bank, National Association
- Former names
- CenTrust Bank, National Association
- Type
- National bank
- FDIC certificate #
- 58158
- RSSD ID
- 3377235
- Primary regulator
- OCC
- Holding company
- Smartbiz Bancshares Inc
- Established
- April 14, 2006
- Headquarters
- 385 Waukegan Rd, Northbrook, IL 60062
- Website
- www.smartbizbank.com
- Employees
- 109
Quick answers
SmartBiz Bank, National Association: common questions
Is SmartBiz Bank, National Association FDIC insured?
Yes. SmartBiz Bank, National Association is an FDIC-insured institution (FDIC certificate #58158). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is SmartBiz Bank, National Association's TellerScore?
44 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has SmartBiz Bank, National Association ever failed?
There is no failure record for FDIC certificate #58158 in the FDIC failed bank list.
How many branches does SmartBiz Bank, National Association have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Northbrook
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
| Abbott Laboratories Credit UnionCredit union Gurnee, IL | 89 out of 100, Very strong | $1.1B | 14.5% | 0.11% | vs |
| Northwest Municipal Federal Credit UnionCredit union Des Plaines, IL | 86 out of 100, Very strong | $41.4M | 13.7% | 0.09% | vs |
| Chicago Firemans Assoc Credit UnionCredit union Chicago, IL | 86 out of 100, Very strong | $21.4M | 15.1% | 0.54% | vs |
| 1st Equity BankBank Skokie, IL | 85 out of 100, Very strong | $130.0M | 16.5% | 0.00% | vs |