Call report 2025Q4
SMARTBIZ BANK, N.A. — 2025Q4
The 22 measures SMARTBIZ BANK, N.A. reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 191,932,000 | USD | evidence → |
| Total loans | 137,560,000 | USD | evidence → |
| Allowance for loan losses | 2,222,000 | USD | evidence → |
| Securities available for sale | 4,041,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 144,460,000 | USD | evidence → |
| Interest-bearing deposits | 124,253,000 | USD | evidence → |
| Noninterest-bearing deposits | 20,207,000 | USD | evidence → |
| Equity capital | 27,998,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 8,953,000 | USD | evidence → |
| Interest expense | 3,438,000 | USD | evidence → |
| Net interest income | 5,515,000 | USD | evidence → |
| Noninterest income | 10,841,000 | USD | evidence → |
| Noninterest expense | 23,946,000 | USD | evidence → |
| Provision for loan losses | 2,359,000 | USD | evidence → |
| Pretax income | -10,092,000 | USD | evidence → |
| Income tax | 25,000 | USD | evidence → |
| Net income | -10,117,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 15,125,000 | USD | evidence → |
| Total capital | 16,930,000 | USD | evidence → |
| Risk-weighted assets | 143,944,000 | USD | evidence → |