Heritage Bank of Schaumburg: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Total risk-based capital ratio, which rose 0.83 percentage points to 20.50%. Heritage Bank of Schaumburg ranks 50th of 198 Illinois banks on CET1 ratio, in the upper half at 19.35% (Q2 2026). Heritage Bank of Schaumburg reported 19.35% on CET1 ratio for Q2 2026, 4.28 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.35% |
| Tier 1 risk-based capital ratio | 19.35% |
| Total risk-based capital ratio | 20.50% |
| Tier 1 leverage ratio | 10.86% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $15.5M |
| Tier 1 capital | $15.5M |
| Total risk-based capital | $16.4M |
| Total equity capital | $22.8M |
| Risk-weighted assets | $79.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.18% |
| Tangible equity to tangible assets | 10.34% |
| Equity capital to average assets | 15.14% |
| Internal capital growth rate | 2.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $665K |
| Common stock surplus | $16.0M |
| Retained earnings | $6.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$793K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 22.66% | 22.66% | 23.91% | 9.81% | $60.0M |
| Q4 2023 | 23.42% | 23.42% | 24.67% | 10.09% | $58.4M |
| Q1 2024 | 23.48% | 23.48% | 24.73% | 10.21% | $58.3M |
| Q2 2024 | 23.81% | 23.81% | 25.06% | 10.12% | $57.8M |
| Q3 2024 | 22.94% | 22.94% | 24.19% | 10.26% | $60.3M |
| Q4 2024 | 21.65% | 21.65% | 22.90% | 10.18% | $64.7M |
| Q1 2025 | 23.38% | 23.38% | 24.64% | 10.17% | $60.6M |
| Q2 2025 | 23.47% | 23.47% | 24.72% | 10.35% | $61.4M |
| Q3 2025 | 22.90% | 22.90% | 24.16% | 10.44% | $64.2M |
| Q4 2025 | 21.98% | 21.98% | 23.23% | 10.53% | $68.3M |
| Q1 2026 | 18.56% | 18.56% | 19.67% | 10.63% | $82.4M |
| Q2 2026 | 19.35% | 19.35% | 20.50% | 10.86% | $79.9M |
Heritage Bank of Schaumburg regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank of Schaumburg, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Heritage Bank of Schaumburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21721) · FFIEC NIC profile (RSSD 337340)