BlastPoint's Banking Scorecard

SmartBiz Bank, National Association

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

Northbrook, IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

SmartBiz Bank, National Association has 2 strengths but faces 3 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 33.8% in tier
+ Net Interest Margin 0.50% above tier average

Key Concerns

Areas that may need attention

- Return on Assets 2.07% below tier average
- Efficiency Ratio 31.93% above tier average
- Delinquency Rate 0.71% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$205.0M +24.5% YoY +6.8% QoQ	-$181.1M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	28%
Total Loans ?	$145.4M +39.0% YoY +7.4% QoQ	-$110.3M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	34%
Total Deposits ?	$163.2M +30.5% YoY +13.0% QoQ	-$164.8M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	25%
Return on Assets ?	-0.80% +80.1% YoY +86.4% QoQ	-2.07%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Bottom 1.3% in tier
Net Interest Margin ?	4.43% +504.3% YoY +17.7% QoQ	+0.50%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	97.21% -40.7% YoY -33.1% QoQ	+31.93%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 3.1% in tier
Delinquency Rate ?	1.59% -24.9% YoY +113.5% QoQ	+0.71%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	89.11% +6.5% YoY -4.9% QoQ	+12.47%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	14.56% -2.2% YoY +4.1% QoQ	-7.46%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	23%
Nonperforming Asset Ratio ?	1.13% -27.1% YoY +114.8% QoQ	+0.49%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	10.40% -39.9% YoY -1.1% QoQ	-5.43%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 14.9% in tier
Non-Interest Income / Assets ?	2.53% +450.6% YoY -55.3% QoQ	+2.25%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 0.6% in tier

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$250B+

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

#226 of 666 • Top 33.8% 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: 2.53%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: -0.80%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 2.53%

Peer Median: 0.28%

#18 of 2664 Top 0.6% in $100M-$1B

551

Net Interest Margin

profitability

Value: 4.43%

Peer Median: 3.93%

#551 of 2664 Top 20.6% in $100M-$1B

Top Weaknesses (7 metrics)

2631

Return on Assets

profitability

Value: -0.80%

Peer Median: 1.27%

#2631 of 2664 Bottom 1.3% in $100M-$1B

2582

Efficiency Ratio

profitability

Value: 97.21%

Peer Median: 65.29%

#2582 of 2664 Bottom 3.1% in $100M-$1B

2269

Tier 1 Capital Ratio

capital

Value: 10.40%

Peer Median: 15.83%

#2269 of 2664 Bottom 14.9% in $100M-$1B

2215

Nonperforming Asset Ratio

credit_quality

Value: 1.13%

Peer Median: 0.64%

#2215 of 2664 Bottom 16.9% in $100M-$1B

2203

Delinquency Rate

credit_quality

Value: 1.59%

Peer Median: 0.89%

#2203 of 2654 Bottom 17.0% in $100M-$1B

2061

Non-Interest-Bearing Deposit Share

funding

Value: 14.56%

Peer Median: 22.02%

#2061 of 2664 Bottom 22.7% in $100M-$1B

2010

Total Deposits

size

Value: $163.19M

Peer Median: $327.97M

#2010 of 2664 Bottom 24.6% in $100M-$1B