IL lenders / Community Bank
SmartBiz Bank, National Association
Community Bank · Northbrook, IL · Smartbiz Bancshares Inc
- Total assets
- $205.0M
- CRE loan book
- $73.0M
- QoQ CRE growth
- 4.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.61% as of Q1 2026 — TX bank median 4.87% (1.75pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.61% | 8.16% |
| Q4 2025 | 6.99% | 8.38% |
| Q3 2025 | 6.88% | 7.97% |
| Q2 2025 | 6.63% | 8.58% |
| Q1 2025 | 1.41% | 1.51% |
| Q4 2024 | 7.78% | 8.10% |
| Q3 2024 | 7.44% | 8.74% |
| Q2 2024 | 7.39% | 7.98% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $73.0M | $8.2M | $8.6M | 639% | $562,000 |
| Q4 2025 | $69.9M | $6.2M | $9.4M | 586% | $562,000 |
| Q3 2025 | $71.4M | $5.9M | $9.1M | 480% | $562,000 |
| Q2 2025 | $71.8M | $3.5M | $9.7M | 371% | $540,000 |
| Q1 2025 | $72.7M | $1.7M | $9.5M | 262% | $540,000 |
| Q4 2024 | $68.0M | $1.6M | $8.0M | 304% | $447,000 |
| Q3 2024 | $66.1M | $2.3M | $9.3M | 317% | $0 |
| Q2 2024 | $64.5M | $3.4M | $8.8M | 318% | $502,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Peoples BankCommunity Bank · Ripley · $72.8M CRE book
- Greater State BankCommunity Bank · Mcallen · $72.8M CRE book
- 1NB BankCommunity Bank · Carlyle · $75.5M CRE book
- Commercial State BankCommunity Bank · Wausa · $75.7M CRE book
- Great Plains State BankCommunity Bank · Petersburg · $75.9M CRE book
See all alternatives to SmartBiz Bank, National Association →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.