Community Reinvestment Act (CRA) Public File

SmartBiz Bank, N.A. is committed to helping meet the credit needs of the communities we serve. The information below is provided as part of the Bank’s Community Reinvestment Act (CRA) Public File.

CRA Strategic Plan

SmartBiz Bank operates under an OCC-approved CRA Strategic Plan effective April 1, 2026.

View CRA Strategic Plan

The Bank’s CRA Assessment Area consists of all of Lake and DuPage Counties and a portion of Cook County, Illinois. The Assessment Area map and applicable census tract information are included in Appendix B of the Strategic Plan.

Most Recent CRA Performance Evaluation

The Bank’s most recent CRA Performance Evaluation was conducted prior to the April 1, 2026 effective date of the current CRA Strategic Plan.

View Most Recent CRA Performance Evaluation

Branch Information

Centrust Bank, A Division of SmartBiz Bank, N.A.
385 Waukegan Road
Northbrook, IL 60062
Census Tract: 8015.00

Branch Services

Hours of Operation: Monday–Friday, 9:00 a.m.–5:00 p.m.; Saturday, 9:00 a.m.–1:00 p.m.

Available Bank Products and Services:

Loan Products Offered

Loan Products include:

● Commercial & Industrial Loans including lines of credit and equipment loans.
● Commercial Real Estate Loans
● Construction Loans

Deposit Products Offered

Deposit Products available to both individuals and businesses include:

● Personal Checking
● Business Checking
● Personal Savings
● Business Savings
● NOW Accounts
● Money Market Accounts
● Certificates of Deposit
● IRA CDs
● Health Savings Account
● Safe Deposit Boxes

Transaction Fees:

View applicable fee schedule/disclosures

SmartBiz Bank currently operates one branch.

Branch Openings and Closings

The Bank has had no branch openings or closings during the current calendar year or the prior two calendar years.

Loan-to-Deposit Ratios

Quarter Ended	Loan-to-Deposit Ratio
March 31, 2025	83.6%
June 30, 2025	85.6%
September 30, 2025	77.5%
December 31, 2025	79.2%

CRA Public Comments

The Bank has received no CRA-related written public comments during the current calendar year or the prior two calendar years.

CRA Public File Questions

For questions regarding SmartBiz Bank’s CRA Public File, please contact:

CRA Officer
Matt Tilton
385 Waukegan Road
Northbrook, IL 60062
847-267-1331