Call reports 2026
SMARTBIZ BANK, N.A. — 2026
What SMARTBIZ BANK, N.A. reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 204,957,000 | 200,758,000 |
| Total loans | 148,180,000 | 145,942,000 |
| Allowance for loan losses | 2,762,000 | 3,123,000 |
| Securities available for sale | 3,961,000 | 3,795,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 163,191,000 | 167,240,000 |
| Interest-bearing deposits | 139,429,000 | 145,775,000 |
| Noninterest-bearing deposits | 23,762,000 | 21,465,000 |
| Equity capital | 28,244,000 | 28,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 3,110,000 | 6,356,000 |
| Interest expense | 1,250,000 | 2,476,000 |
| Net interest income | 1,860,000 | 3,880,000 |
| Noninterest income | 5,176,000 | 9,297,000 |
| Noninterest expense | 6,896,000 | 12,528,000 |
| Provision for loan losses | 540,000 | 1,008,000 |
| Pretax income | -398,000 | -357,000 |
| Income tax | 0 | -26,000 |
| Net income | -398,000 | -331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 15,557,000 | 15,729,000 |
| Total capital | 17,439,000 | 17,665,000 |
| Risk-weighted assets | 149,627,000 | 153,646,000 |