Centrust Bank, A Division of SmartBiz Bank, N.A.

BankingIllinois, United States11-50 Employees

Centrust Bank, a division of SmartBiz Bank, N.A., is a Chicago-based community bank dedicated to serving small to medium-sized businesses with a strong focus on business lending. We offer a full suite of commercial banking solutions, including conventional and SBA loan products, to help entrepreneurs secure the capital they need to grow and thrive.

We understand entrepreneurship because we are entrepreneurs ourselves. Our team of experienced commercial bankers delivers customized financial solutions and deep industry expertise, ensuring our clients have the tools and capital necessary to scale their businesses successfully. We offer more than just banking: By connecting clients with valuable professional resources in accounting, wealth management, insurance, and legal services as well as prioritizing personal relationships, we are our clients’ trusted financial partner.

In 2025, SmartBiz Loans acquired United Community Bancshares, Inc. and its wholly-owned subsidiary, Centrust Bank, N.A. The combined company, SmartBiz Bank, N.A, is now operating under the bank holding company SmartBiz Bancshares, Inc. Centrust Bank’s core mission remains unchanged: providing personalized, high-quality banking services to small business owners and entrepreneurs.

As a part of SmartBiz Bank, we’ve enhanced our capabilities by combining our relationship-driven banking approach with SmartBiz’s innovative, technology-powered SBA lending platform. This complementary union allows us to expand our reach and impact, providing robust banking and lending services for current and future small business owners nationwide.

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