Side-by-side · Q2 2026 data
Fidelity Bank vs SmartBiz Bank, National Association
Bank
SmartBiz Bank, National Association
Northbrook, Illinois · $100 million – $1 billion
Metric by metric
| Measure | Fidelity Bank | SmartBiz Bank, National Association |
|---|---|---|
| TellerScore | 52 (stronger) | 44 |
| Capital cushion | 30 | 34 (stronger) |
| Loan quality | 74 (stronger) | 50 |
| Earnings | 32 (stronger) | 7 |
| Funding & liquidity | 63 | 75 (stronger) |
| Problem-loan coverage | 85 | 86 (stronger) |
| Peer percentile | 8th | 4th |
| Total assets | $198.6M | $200.8M |
| Deposits / shares | $165.5M | $167.2M |
| Capital ratio | 7.97% | 8.42% (stronger) |
| Problem loans | 0.78% (stronger) | 1.49% |
| Net charge-offs | 0.00% (stronger) | 0.15% |
| Return on assets | 0.31% (stronger) | -0.33% |
| Loans ÷ deposits | 88.4% | 85.4% (stronger) |
| Uninsured deposits | 23.2% | 8.1% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.6% | — |
Fidelity Bank has the higher TellerScore (52 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Fidelity Bank leads on 4 and SmartBiz Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.