Unverified listing What this means
The Lender Report built this page from public records. SmartBiz Bank, National Association has not reviewed it. Every lender's page starts this way, and it says nothing about SmartBiz Bank, National Association itself. Each figure shows its source and date. Work at SmartBiz Bank, National Association? You can claim this page for free.
Bank, Northbrook, IL
SmartBiz Bank, National Association
A bank based in Northbrook, IL. Its commercial book is led by C&I and non-owner-occupied CRE. Public files show recent SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $138M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 1,256
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $201M
- FDIC call report,
Does it fit my deal?
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How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number. Try the lender's website.
- Website
- www.smartbizbank.comFrom the FDIC record, November 9, 2026.
- Names it files under
- CenTrust Bank, A Division of SmartBiz Bank National AssociationFDIC institution record,
- Address
- 385 Waukegan Rd, Northbrook, IL 60062FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
What changed. SmartBiz Bank, National Association recorded 919 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 320 in the prior 12 months. SBA FOIA,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 1,240 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 102.5% to $64.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 6.1% to $30.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 68.3% to $5M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| March 14, 2025 | Changed its name from CenTrust Bank, National Association on March 14, 2025.FDIC structure history. | FDIC history, |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Illinois | SBA 7(a), Coin-Operated Laundries and Drycleaners | $620K | 9.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Illinois | SBA 7(a), Other Heavy and Civil Engineering Construction | $350K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), All Other Professional, Scientific, and Technical Services | $350K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Ambulance Services | $350K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Oklahoma | SBA 7(a), Exterminating and Pest Control Services | $350K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Washington | SBA 7(a), Insurance Agencies and Brokerages | $350K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), Pharmacies and Drug Retailers | $350K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Illinois | SBA 7(a), New Single-Family Housing Construction (except For-Sale Builders) | $350K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), All Other Professional, Scientific, and Technical Services | $350K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Washington | SBA 7(a), Wood Kitchen Cabinet and Countertop Manufacturing | $350K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Colorado | SBA 7(a), Other Foundation, Structure, and Building Exterior Contractors | $350K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Colorado | SBA 7(a), Other Miscellaneous Nondurable Goods Merchant Wholesalers | $350K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Alaska | SBA 7(a), Residential Remodelers | $340K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Janitorial Services | $320K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Roofing Contractors | $320K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Oklahoma | SBA 7(a), Offices of Physical, Occupational and Speech Therapists, and Audiologists | $310K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Freight Transportation Arrangement | $300K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Oklahoma | SBA 7(a), All Other Amusement and Recreation Industries | $280K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Virginia | SBA 7(a), Commercial Printing (except Screen and Books) | $250K | 11.5% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Finish Carpentry Contractors | $240K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | North Carolina | SBA 7(a), Landscaping Services | $240K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Maryland | SBA 7(a), Beauty Salons | $230K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Hawaii | SBA 7(a), Clothing and Clothing Accessories Retailers | $220K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Cosmetics, Beauty Supplies, and Perfume Retailers | $220K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Wisconsin | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $200K | 9.75% | 10 yr | SBA FOIA | |
| 1,255 SBA 7(a) loans since October 2023, net of cancelled | $277M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $7.88M | 5.4% | -18.4% |
| Construction and land development | $6.50M | 4.5% | +84.6% |
| Owner-occupied CRE | $27.8M | 19.1% | -6.8% |
| Non-owner-occupied CRE | $30.5M | 20.9% | +6.1% |
| Farmland | $0 | 0.0% | Not reported |
| Commercial and industrial | $64.9M | 44.5% | +102.5% |
| Commercial total | $138M |
Reference only: $10.2M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $93.2M |
| Q4 2023 | $96.1M |
| Q1 2024 | $91.2M |
| Q2 2024 | $92.3M |
| Q3 2024 | $94.9M |
| Q4 2024 | $99.3M |
| Q1 2025 | $95.8M |
| Q2 2025 | $104M |
| Q3 2025 | $122M |
| Q4 2025 | $129M |
| Q1 2026 | $140M |
| Q2 2026 | $138M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 1,255 | $277M | $150K | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 919 | $186M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 1 | $2.3M | $2.3M | $2.3M | SBA FOIA, |
How these public files were tied to this lender. SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: d/b/a or division name, name and state.
| Industry | Loans | Dollars |
|---|---|---|
| Residential Remodelers | 72 | $13.8M |
| Limited-Service Restaurants | 38 | $10.5M |
| Plumbing, Heating, and Air-Conditioning Contractors | 38 | $9.44M |
| Full-Service Restaurants | 32 | $12.9M |
| All Other Specialty Trade Contractors | 32 | $6.32M |
| Nail Salons | 28 | $5.24M |
| Insurance Agencies and Brokerages | 26 | $5.89M |
| New Single-Family Housing Construction (except For-Sale Builders) | 22 | $8.40M |
| Electrical Contractors and Other Wiring Installation Contractors | 22 | $4.22M |
| Landscaping Services | 22 | $3.68M |
Other lenders in these fields: SBA lenders for construction trades, SBA lenders for restaurants, SBA lenders for landscaping companies.
Programs on record: Federal Home Loan Bank member, Chicago district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- SmartBiz Bank, National Association reported commitments to fund construction loans that had not been drawn at June 30, 2026: $4,365,000 for 1-4 family residential construction and $625,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $6,861,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 1,007 | $37.8M |
| Over $100,000 up to $250,000 | 68 | $10.7M |
| Over $250,000 up to $1 million | 36 | $15.0M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 9 | $499K |
| Over $100,000 up to $250,000 | 16 | $2.92M |
| Over $250,000 up to $1 million | 41 | $19.7M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Illinois HQ | 1 | 76 | 1 | ||
| California | 0 | 206 | 0 | ||
| Florida | 0 | 154 | 0 | ||
| Texas | 0 | 116 | 0 | ||
| New York | 0 | 80 | 0 | ||
| Colorado | 0 | 43 | 0 | ||
| Georgia | 0 | 40 | 0 | ||
| Washington | 0 | 39 | 0 | ||
| Virginia | 0 | 38 | 0 | ||
| North Carolina | 0 | 36 | 0 | ||
| Pennsylvania | 0 | 32 | 0 | ||
| New Jersey | 0 | 28 | 0 |
Also in MD, AZ, OH, MI, MO, SC, WI, TN, OR, UT, IN, MN, AL, KY, MA, OK, NV, CT, LA, KS, MT, NE, AK, AR, HI, NM, RI.
Offices by county
FDIC Summary of Deposits, June 30, 2026
- SmartBiz Bank, National Association has 1 office in 1 county and 1 state (FDIC Summary of Deposits, June 30, 2026): 1 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Cook County, IL | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $2.83M | $3.24M to $4.92M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 238.1% | 44.7% to 293.9% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 34.5% | 4.0% to 35.9% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 87.3% | 55.0% to 102.8% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $4.99M | $175K to $14.4M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 68.3% from a year earlier. | FDIC call report, |
| Loans to assets | 72.7% | 46.6% to 78.7% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 1,240 loans (98.8%)
- Approval to first disbursement
- 6 days, median of 1,170
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| State Bank of Whittington | IL | $180M | $58.0M |
| First Community Bank and Trust | IL | $202M | $73.5M |
| FWBank | IL | $207M | $138M |
| West Central Bank | IL | $232M | $66.1M |
| Town Center Bank | IL | $181M | $121M |
| Warren-Boynton State Bank | IL | $235M | $83.2M |
| Goodfield State Bank | IL | $286M | $124M |
| Community Bank of Elmhurst | IL | $194M | $85.9M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. SmartBiz Bank, National Association, FDIC certificate 58158. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $201M in total assets and $138M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 1,256 recorded loans from SBA files, through September 30, 2026: 1,255 SBA 7(a) in 36 months, 1 SBA 504 first lien in 36 months. Each has its source and date. [How each file was tied to SmartBiz Bank, National Association]
- Phone and website. No phone number is on record. Website smartbizbank.com, from the FDIC record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 58158
- RSSD
- 3377235
- The Lender Report ID
- lr_004297
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Chicago-Naperville-Elgin, IL-IN-WI
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $200.8M in total assets as of June 30, 2026 (FDIC call report).
- Held $137.6M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $64.9M of commercial and industrial loans as of June 30, 2026, up 102.5% from a year earlier (FDIC call report).
- Held $30.5M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 6.1% from a year earlier (FDIC call report).
- Held $27.8M of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Recorded 1,324 SBA 7(a) approvals totaling $290.5M from October 1, 2023 to September 30, 2026, of which 69 were later cancelled (SBA).
5 more sentences
- Provided the first lien on 1 SBA 504 project with $2.3M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Listed 1 office in 1 state (FDIC).
- Held 1,111 commercial and industrial loans that were $1 million or less when made, with a balance of $63.5M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 66 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $23.1M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $4.4M for 1-4 family and $625K for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, SmartBiz Bank, National Association, https://lender.report/lender/smartbiz-bank-il/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
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Work at SmartBiz Bank, National Association? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem