Heritage Bank of Schaumburg: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 16.44 percentage points lower than in Q1 2026, at 363.19%. 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, 17.97 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $79.6M |
| Net loans and leases | $78.7M |
| Loans held for sale | $0 |
| Loans to total assets | 53.11% |
| Loan-to-deposit ratio | 62.97% |
| Net loans to equity capital | 3.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.55% |
| Multifamily (5+ residential) | 72.53% |
| Commercial and industrial | 4.27% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 363.19% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.38% |
| Interest income on loans | $1.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $69.8M | $123.4M | 4.21% | 5.21% | 0.01% |
| Q4 2023 | $68.1M | $119.1M | 4.22% | 5.21% | 0.01% |
| Q1 2024 | $68.2M | $120.4M | 4.12% | 4.90% | 0.01% |
| Q2 2024 | $68.9M | $121.8M | 4.31% | 4.57% | 0.03% |
| Q3 2024 | $72.1M | $121.1M | 4.03% | 4.09% | 0.03% |
| Q4 2024 | $75.5M | $124.3M | 3.75% | 4.08% | 0.02% |
| Q1 2025 | $71.6M | $124.1M | 3.86% | 4.42% | 0.00% |
| Q2 2025 | $72.0M | $124.4M | 3.75% | 4.26% | 0.00% |
| Q3 2025 | $74.5M | $124.8M | 3.54% | 4.00% | 0.00% |
| Q4 2025 | $78.0M | $126.7M | 3.32% | 3.79% | 0.00% |
| Q1 2026 | $82.0M | $126.9M | 3.09% | 3.70% | 0.00% |
| Q2 2026 | $79.6M | $126.5M | 2.55% | 4.27% | 0.00% |
Heritage Bank of Schaumburg loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank of Schaumburg, freeSource: Call Report Schedule RC-C, 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)