Heritage Bank of Schaumburg
BankRegReports is independent of Heritage Bank of Schaumburg and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Heritage Bank of Schaumburg is an FDIC-insured commercial bank headquartered in Schaumburg, IL, established in 1974 (FDIC certificate 21721), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $150.0M, up 2.2% from Q2 2025, the 228th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 19.35% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21721
- Headquarters
- Schaumburg, IL
- Established
- 1974
- Total assets, Q2 2026
- $150.0M
- Assets vs Q2 2025
- +2.2%
- CET1 ratio, Q2 2026
- 19.35%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071924131
- Latest call report
- Q2 2026, FFIEC 051 · Heritage Bank of Schaumburg Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- SCHAUMBURG BANCSHARES, INC.
- Asset rank in state
- 228th of 319 in Illinois
Heritage Bank of Schaumburg leans heavily on commercial real estate. Based in Schaumburg, Illinois, it had $150 million in assets at June 30, 2026, up 2.2% from a year earlier. It holds commercial real estate loans worth 3.6 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 21% from a year earlier, to $545,000. Over the same year, loans grew 10.5% and deposits grew 1.7%.
As of June 30, 2026, Heritage Bank of Schaumburg reported a CET1 capital ratio of 19.35%, a return on assets of 1.45%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Heritage Bank of Schaumburg is the 228th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $150.0M, loans fell 2.9% and deposits fell 0.3%. Multifamily loans made up 72.5% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 20.6%. The FDIC Summary of Deposits lists a single office for it, in Schaumburg, IL. On its Q2 2026 call report, Heritage Bank of Schaumburg meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1535 W Schaumburg Rd, Schaumburg, IL 60194
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 8, 1974
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $126.5M
- Allowance for credit losses
- $899K
- Net charge-offs (YTD)
- $0
- Average total assets
- $150.4M
- Average total loans
- $79.9M
- Average interest-bearing deposits
- $106.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 8, 1974
- FDIC Cert
- 21721
- Fed RSSD
- 337340
- SEC CIK
- 1178434 → filed by SCHAUMBURG BANCSHARES, INC.
- Website
- www.hbschaumburg.com →
- Parent Holding Company
- SCHAUMBURG BANCSHARES, INC. (RSSD 1204609)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Heritage Bank of Schaumburg's total assets ran between $138.9M (Q4 2023) and $150.1M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$150.0M total assets against $146.8M; $127.2M total liabilities against $125.1M.
$78.7M net loans and leases against $71.2M; $126.5M total deposits against $124.4M.
$39.9M securities against $44.9M; $20.9M cash and balances due against $20.4M.
$1.6M total interest income against $1.5M; $340K total interest expense against $312K.
$1.3M net interest income against $1.2M.
$52K total noninterest income against $48K; $800K total noninterest expense against $770K.
No provision recorded in the last 12 quarters.
$545K net income against $449K.
1.45% return on assets against 1.22%; 3.77% net interest margin against 3.47%.
19.35% CET1 capital ratio against 23.47%; 10.86% tier 1 leverage ratio against 10.35%.
Inside the full Heritage Bank of Schaumburg terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Heritage Bank of Schaumburg rankings
Its closest position to the top of a national ranking is 378 of 2,134, for CET1 ratio; its furthest is 3,573 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.74% (Q3 2024) to 1.45% (Q2 2026) and its net interest margin ran from 2.96% (Q3 2024) to 3.77% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.35% | 1.45% | 0.00% | 0.00% | 3.77% |
| Q1 2026 | 18.56% | 1.41% | 0.00% | 0.00% | 3.67% |
| Q4 2025 | 21.98% | 1.36% | 0.00% | 0.00% | 3.62% |
| Q3 2025 | 22.90% | 1.31% | 0.00% | 0.00% | 3.54% |
| Q2 2025 | 23.47% | 1.22% | 0.00% | 0.00% | 3.47% |
| Q1 2025 | 23.38% | 1.04% | 0.00% | 0.00% | 3.18% |
| Q4 2024 | 21.65% | 0.93% | 0.00% | 0.00% | 3.07% |
| Q3 2024 | 22.94% | 0.74% | 0.00% | 0.00% | 2.96% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Heritage Bank of Schaumburg (main office) | Schaumburg , IL | 60194 | $126.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 270 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 9 applications, 8 loans originated, $3.0M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Heritage Bank of Schaumburg’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Heritage Bank of Schaumburg
What are Heritage Bank of Schaumburg's total assets?
As of the Q2 2026 filing, Heritage Bank of Schaumburg reported total assets of $150.0 million in its FFIEC call report.
Where is Heritage Bank of Schaumburg headquartered?
It is headquartered in Schaumburg, IL, United States.
When was Heritage Bank of Schaumburg founded?
It was established in 1974, per the FDIC institution directory.
Is Heritage Bank of Schaumburg FDIC-insured?
Yes. It 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.
What is Heritage Bank of Schaumburg's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Heritage Bank of Schaumburg operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Heritage Bank of Schaumburg's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Heritage Bank of Schaumburg.
Get an email when Heritage Bank of Schaumburg files its next call report, and benchmark it against any peer you choose.
Unlock Heritage Bank of Schaumburg, freeFree account