Heritage Bank of Schaumburg: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Heritage Bank of Schaumburg of Schaumburg, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.45% | 1.34% | +0.11% | 60th above |
| ROAE | 9.61% | 13.31% | -3.70% | 34th below |
| Net Interest Margin | 3.77% | 3.93% | -0.16% | 41st below |
| Efficiency Ratio | 59.14% | 61.14% | -2.00% | 57th above |
| PPNR / Avg Assets | 1.46% | 1.68% | -0.22% | 42nd below |
| Yield on Earning Assets | 4.75% | 5.67% | -0.92% | 15th bottom |
| Cost of Funds | 1.08% | 1.88% | -0.80% | 89th top |
| Net Interest Spread | 3.48% | 3.32% | +0.16% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 41st below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.35% | 19.50% | -0.15% | 75th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.35% | 19.54% | -0.19% | 75th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.50% | 20.62% | -0.12% | 75th top |
| Leverage Ratio | 10.86% | 12.14% | -1.28% | 48th below |
| Equity / Assets | 15.18% | 11.37% | +3.81% | 89th top |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.34% | 11.09% | -0.75% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.97% | 80.64% | -17.67% | 80th top |
| Core Deposit Ratio | 94.32% | 86.86% | +7.46% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.18% | 6.85% | -4.67% | 33rd below |
| Loan Growth (Y/Y) | 10.54% | 7.90% | +2.64% | 75th top |
| Deposit Growth (Y/Y) | 1.66% | 6.29% | -4.63% | 33rd below |
See Heritage Bank of Schaumburg's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Heritage Bank of Schaumburg, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Heritage Bank of Schaumburg profile, how to read a UBPR, or how this data updates.