Bank Comparison
Heritage Bank of Schaumburg vs Farmers Trust & Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Heritage Bank of Schaumburg | Farmers Trust & Savings Bank |
|---|---|---|
| CET1 Ratio | 18.56% | 13.81% |
| Tier 1 Capital Ratio | 18.56% | 13.81% |
| Total Capital Ratio | 19.67% | 14.81% |
| Tier 1 Leverage Ratio | 10.63% | 9.09% |
| Equity / Assets | 15.07% | 9.01% |
Profitability
| Metric | Heritage Bank of Schaumburg | Farmers Trust & Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.41% | 1.65% |
| Return on Equity (ROE) | 9.45% | 18.35% |
| Net Interest Margin (NIM) | 3.67% | 3.85% |
| Yield on Earning Assets | 4.60% | 5.31% |
| Cost of Funds | 1.02% | 1.57% |
Asset quality
| Metric | Heritage Bank of Schaumburg | Farmers Trust & Savings Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.27% |
| Non-Performing Loan Ratio | 0.00% | 0.04% |
| Non-Performing Asset Ratio | 0.00% | 0.03% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.10% | 1.04% |
Balance sheet
| Metric | Heritage Bank of Schaumburg | Farmers Trust & Savings Bank |
|---|---|---|
| Total Assets | $150,051K | $149,941K |
| Total Deposits | $126,900K | $136,040K |
| Total Loans | $82,023K | $94,390K |
| Total Equity | $22,615K | $13,505K |
| Net Income (quarter) | $534 | $616 |
Liquidity & funding
| Metric | Heritage Bank of Schaumburg | Farmers Trust & Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 64.64% | 69.38% |
| Core Deposit Ratio | 94.54% | 93.76% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Heritage Bank of Schaumburg | Farmers Trust & Savings Bank |
|---|---|---|
| Headquarters City | SCHAUMBURG | EARLING |
| Headquarters State | IL | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 17 | 18 |
| Established | Aug. 8, 1974, midnight | Jan. 1, 1892, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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