HERITAGE BANK OF SCHAUMBURG

SCHAUMBURG, IL | Small | Est. Aug. 8, 1974, midnight | FDIC #21721 | RSSD #337340 | FDIC
Latest Report: 2025-12-31

HERITAGE BANK OF SCHAUMBURG is asn small FDIC-insured commercial bank headquartered in SCHAUMBURG, IL, established in Aug. 8, 1974, midnight. As of 2025-12-31, the bank reported total assets of $150M and total deposits of $127M. Profitability stands at 1.37% ROA and 9.14% ROE, with a net interest margin of 3.67%. The bank's CET1 capital ratio is 21.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #21721.

Assets

$150M

Deposits

$127M

Loans

$78M

Equity

$23M

Profitability

Return on Assets (ROA) 1.37%
Return on Equity (ROE) 9.14%
Net Interest Margin (NIM) 3.67%
Yield on Assets 4.62%
Cost of Funds 1.03%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 21.98%
Tier 1 Capital 21.98%
Total Capital Ratio 23.23%
Leverage Ratio 10.53%
Loan-to-Deposit 61.57%

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