SmartBiz Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $201M | $167M | $143M | $28M | $67K | -0.33% | -2.35% | 4.61% | 1.49% |
| Q1 2026 | $205M | $163M | $145M | $28M | $-398K | -0.80% | -5.66% | 4.43% | 1.56% |
| Q4 2025 | $192M | $144M | $135M | $28M | $-2265K | -5.89% | -35.09% | 3.77% | 0.73% |
| Q3 2025 | $187M | $146M | $131M | $30M | $-2186K | -6.27% | -36.05% | 3.37% | 1.55% |
| Q2 2025 | $168M | $126M | $113M | $31M | $-4088K | -7.07% | -39.51% | 2.78% | 1.91% |
| Q1 2025 | $165M | $125M | $105M | $34M | $-1578K | -4.04% | -22.81% | 0.73% | 2.09% |
| Q4 2024 | $148M | $123M | $106M | $21M | $72K | 0.35% | 2.57% | 3.95% | 0.79% |
| Q3 2024 | $151M | $123M | $102M | $21M | $390K | 0.40% | 2.97% | 3.96% | 0.96% |
| Q2 2024 | $146M | $118M | $100M | $20M | $56K | 0.09% | 0.64% | 3.88% | 1.84% |
| Q1 2024 | $151M | $122M | $100M | $20M | $9K | 0.02% | 0.18% | 3.92% | 2.00% |
| Q4 2023 | $155M | $127M | $104M | $20M | $343K | 0.21% | 1.56% | 4.89% | 2.30% |
| Q3 2023 | $149M | $126M | $101M | $19M | $-823K | -0.03% | -0.21% | 5.05% | 2.64% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.