HERITAGE BANK OF SCHAUMBURG
HERITAGE BANK OF SCHAUMBURG is an FDIC-insured commercial bank headquartered in SCHAUMBURG, IL, established in 1974. As of , 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 3.63%. CET1 capital ratio: 21.98%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Heritage Bank of Schaumburg rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 21.98% | 1.37% | 0.00% | 0.00% | 3.63% |
| 2025-09-30 | 22.90% | 1.32% | 0.00% | 0.00% | 3.60% |
| 2025-06-30 | 23.47% | 1.23% | 0.00% | 0.00% | 3.45% |
| 2025-03-31 | 23.38% | 1.05% | 0.00% | 0.00% | 3.18% |
| 2024-12-31 | 21.65% | 0.94% | 0.00% | 0.00% | 3.08% |
| 2024-09-30 | 22.94% | 0.75% | 0.00% | 0.00% | 2.97% |
| 2024-06-30 | 23.81% | 0.80% | 0.00% | 0.00% | 2.97% |
| 2024-03-31 | 23.48% | 0.60% | 0.00% | 0.00% | 2.78% |
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Frequently asked about HERITAGE BANK OF SCHAUMBURG
What are Heritage Bank of Schaumburg's total assets?
As of the Q4 2025 filing, Heritage Bank of Schaumburg reported total assets of $150.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Heritage Bank of Schaumburg headquartered?
Heritage Bank of Schaumburg is headquartered in SCHAUMBURG, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Heritage Bank of Schaumburg founded?
Heritage Bank of Schaumburg was established in 1974, per the FDIC institution directory.
Is Heritage Bank of Schaumburg FDIC-insured?
Yes. Heritage Bank of Schaumburg is an FDIC-insured commercial bank (FDIC Certificate #21721). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Heritage Bank of Schaumburg?
Heritage Bank of Schaumburg's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Heritage Bank of Schaumburg's CET1 capital ratio?
Heritage Bank of Schaumburg reported a Common Equity Tier 1 (CET1) capital ratio of 21.98% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Heritage Bank of Schaumburg operate?
Heritage Bank of Schaumburg operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Heritage Bank of Schaumburg's Texas Ratio?
Heritage Bank of Schaumburg's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.