BlastPoint's Banking Scorecard

SmartBiz Bank, National Association

$100M-$1B Specialty: Commercial IL FDIC cert 58158

Northbrook, IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +32.6% year over year ($167.2M on the books).
Delinquency rate 1.53%.
Return on assets -0.33%.
Efficiency ratio 94.23% vs a 64.48% peer average.
Loan-to-deposit ratio 85.40% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

SmartBiz Bank, National Association has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 33.7% in tier
+ Net Interest Margin 0.63% above tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 69.1% in tier
- Return on Assets 1.65% below tier average
- Efficiency Ratio 29.75% above tier average
- Delinquency Rate 0.61% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$200.8M +19.3% YoY -2.0% QoQ	-$185.8M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	27%
Total Loans ?	$142.8M +26.3% YoY -1.8% QoQ	-$115.5M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	33%
Total Deposits ?	$167.2M +32.6% YoY +2.5% QoQ	-$159.5M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	26%
Return on Assets ?	-0.33% +95.3% YoY +58.6% QoQ	-1.65%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 2.2% in tier
Net Interest Margin ?	4.61% +66.1% YoY +4.1% QoQ	+0.63%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	83%
Efficiency Ratio ?	94.23% -43.9% YoY -3.1% QoQ	+29.75%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 3.4% in tier
Delinquency Rate ?	1.53% -21.2% YoY -4.2% QoQ	+0.61%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	18%
Loan-to-Deposit Ratio ?	85.40% -4.8% YoY -4.2% QoQ	+7.45%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	37%
Non-Interest-Bearing Deposit Share ?	12.83% -14.7% YoY -11.9% QoQ	-9.20%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	17%
Nonperforming Asset Ratio ?	1.09% -27.5% YoY -3.9% QoQ	+0.42%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	18%
Tier 1 Capital Ratio ?	10.24% -25.7% YoY -1.5% QoQ	-5.67%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 13.4% in tier
Non-Interest Income / Assets ?	4.63% +80.6% YoY +83.4% QoQ	+4.06%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 0.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	12.8% -2.2pp YoY -1.7pp QoQ	-9.3pp	22.1%	20.1%	22.2%	16%
Brokered Deposits	3.6% -1.2pp YoY -0.1pp QoQ	-4.3pp	7.9%	8.0%	8.5%	42%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	45.5% +17.1pp YoY -0.9pp QoQ	+33.9pp	11.6%	14.7%	12.5%	99%
CRE	50.9% -12.6pp YoY +0.7pp QoQ	+11.4pp	39.5%	37.9%	41.4%	71%
1-4 Family	7.1% -2.8pp YoY +0.9pp QoQ	-25.5pp	32.6%	28.3%	31.3%	7%
Consumer	n/a	n/a	4.1%	5.4%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	10.2% -3.5pp YoY -0.2pp QoQ	-8.6pp	18.8%	19.9%	19.7%	3%
Leverage Ratio	8.4% -3.6pp YoY -0.6pp QoQ	-3.7pp	12.2%	12.2%	12.6%	5%
Total Capital Ratio	11.5% -3.5pp YoY -0.2pp QoQ	-8.4pp	19.9%	20.9%	20.8%	4%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	109 -26 (-19.3%) YoY -3 (-2.7%) QoQ	+50	58	228	482	89%
Assets per Employee ($)	$1.8M +47.8% YoY +0.6% QoQ	-$5.7M	$7.5M	$8.3M	$8.8M	1%
Branch Count	1 0 YoY 0 QoQ	-4	4	10	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	1.0% 0.0pp QoQ	+0.7pp	0.3%	0.4%	0.4%	91%
Nonaccrual	0.6% -1.4pp YoY -0.1pp QoQ	-0.4pp	0.9%	1.1%	1.0%	55%
Allowance Coverage	1.43x +72.8% YoY +20.2% QoQ	-22.72x	24.15x	5.62x	20.23x	38%
Net Charge-off Rate (YTD)	0.2% +0.2pp QoQ	0.0pp	0.1%	0.1%	0.2%	82%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	-2.4% +37.2pp YoY +3.3pp QoQ	-14.5pp	12.2%	10.5%	11.6%	2%
Cost of Funds (YTD)	2.9% +1.1pp YoY 0.0pp QoQ	+1.2pp	1.7%	1.6%	1.7%	97%
Net Income ($, YTD)	$-331000.0 +94.2% YoY — QoQ	-$2.9M	$2.6M	$11.7M	$40.4M	2%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#224 of 661 • Top 33.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 4.63%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: -0.33%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Concerns (1)

NIB Deposit Bleed

decline

#113 of 162 • Bottom 69.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 12.83%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 4.63%

Peer Median: 0.57%

#19 of 2643 Top 0.7% in $100M-$1B

449

Net Interest Margin

profitability

Value: 4.61%

Peer Median: 3.99%

#449 of 2643 Top 17.0% in $100M-$1B

Top Weaknesses (6 metrics)

2586

Return on Assets

profitability

Value: -0.33%

Peer Median: 1.32%

#2586 of 2643 Bottom 2.2% in $100M-$1B

2553

Efficiency Ratio

profitability

Value: 94.23%

Peer Median: 64.48%

#2553 of 2643 Bottom 3.4% in $100M-$1B

2290

Tier 1 Capital Ratio

capital

Value: 10.24%

Peer Median: 15.91%

#2290 of 2643 Bottom 13.4% in $100M-$1B

2197

Non-Interest-Bearing Deposit Share

funding

Value: 12.83%

Peer Median: 22.03%

#2197 of 2643 Bottom 16.9% in $100M-$1B

2152

Delinquency Rate

credit_quality

Value: 1.53%

Peer Median: 0.92%

#2152 of 2633 Bottom 18.3% in $100M-$1B

2157

Nonperforming Asset Ratio

credit_quality

Value: 1.09%

Peer Median: 0.67%

#2157 of 2643 Bottom 18.4% in $100M-$1B