How can I contact CenTrust Bank, A Division of SmartBiz Bank National Associat?

You can contact CenTrust Bank, A Division of SmartBiz Bank National Associat by phone at (847) 267-1331 or email at info@centrustbank.com.

CenTrust Bank, A Division of SmartBiz Bank National Associat

About

CenTrust Bank is a Chicago-based community bank division of SmartBiz Bank, N.A., specializing in commercial banking solutions for small to medium-sized businesses. The bank provides customized financial solutions and deep industry expertise, offering conventional and SBA loan products alongside connections to professional resources in accounting, wealth management, insurance, and legal services.

2006

Founded

Reviews & Ratings

Loading reviews...

SBA 7(a) Lending Analytics

SBA 7(a) Acquisition Loan Data As Of June 30, 2025

SBA Acquisition Loan Activity

Last 12 Months

6

Top 15%

Last 3 Years

13

Top 20%

YoY Growth

+50.0%

low activity

Loan Size Distribution

As Of June 30, 2025

Median

$3.3M

Average

$1.1M

Interest Rate Analysis

All rates shown as spread over Prime Rate

Rate Distribution

Median Rate:Prime + 2.75%

Typical Range:Prime + 2.50% - 3.00%

Min / Max:Prime + 2.00% / 3.50%

Market Comparison

This Lender

Prime + 2.75%

Market Average

Prime + 1.25%

150 bps above market

Default Rate & Risk Profile

As Of June 30, 2025 - 10-year default rate indicates underwriting quality

10-Year Default Rate

0.0%

Bottom 10% of Lenders (Highest Default Rate)

Performance Ranking

100th

Lower is better among all lenders

Geographic Loan Distribution

As Of June 30, 2025 - States by loan volume (darker blue = higher volume)

Low

Medium

High

Very High