Side-by-side · Q2 2026 data
Scott State Bank vs SmartBiz Bank, National Association
Bank
SmartBiz Bank, National Association
Northbrook, Illinois · $100 million – $1 billion
Metric by metric
| Measure | Scott State Bank | SmartBiz Bank, National Association |
|---|---|---|
| TellerScore | 86 (stronger) | 44 |
| Capital cushion | 87 (stronger) | 34 |
| Loan quality | 92 (stronger) | 50 |
| Earnings | 65 (stronger) | 7 |
| Funding & liquidity | 92 (stronger) | 75 |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 90th | 4th |
| Total assets | $203.5M | $200.8M |
| Deposits / shares | $178.0M | $167.2M |
| Capital ratio | 13.67% (stronger) | 8.42% |
| Problem loans | 0.24% (stronger) | 1.49% |
| Net charge-offs | 0.03% (stronger) | 0.15% |
| Return on assets | 1.12% (stronger) | -0.33% |
| Loans ÷ deposits | 65.5% (stronger) | 85.4% |
| Uninsured deposits | 17.9% | 8.1% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
Scott State Bank has the higher TellerScore (86 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Scott State Bank leads on 6 and SmartBiz Bank, National Association on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.