Heritage Bank of Schaumburg: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 18.2% in Q2 2026, from $17.7M to $20.9M. It was the largest change from Q1 2026 among the key lines here. Heritage Bank of Schaumburg ranks 239th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 62.97% (Q2 2026). Heritage Bank of Schaumburg reported 62.97% on loan-to-deposit ratio for Q2 2026, 17.87 points below the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $20.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $60.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.97% |
| Net loans and leases to deposits | 62.26% |
| Loans and leases to core deposits | 66.76% |
| Core deposits to total deposits | 94.32% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 56.56% | 97.03% | $0 | $0 |
| Q4 2023 | 57.22% | 96.20% | $0 | $0 |
| Q1 2024 | 56.63% | 95.81% | $0 | $0 |
| Q2 2024 | 56.54% | 96.07% | $0 | $0 |
| Q3 2024 | 59.52% | 95.56% | $0 | $0 |
| Q4 2024 | 60.76% | 94.77% | $0 | $0 |
| Q1 2025 | 57.64% | 94.90% | $0 | $0 |
| Q2 2025 | 57.91% | 94.92% | $0 | $0 |
| Q3 2025 | 59.74% | 95.47% | $0 | $0 |
| Q4 2025 | 61.57% | 94.53% | $0 | $0 |
| Q1 2026 | 64.64% | 94.54% | $0 | $0 |
| Q2 2026 | 62.97% | 94.32% | $0 | $0 |
Heritage Bank of Schaumburg liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank of Schaumburg, freeSource: Call Report Schedules RC and RC-M, 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)