Heritage Bank of Schaumburg: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Yield on securities edged up by 0.24 percentage points, from 3.53% to 3.77%, the largest move among the key lines here. Heritage Bank of Schaumburg ranks 149th of 323 Illinois banks on net interest margin, in the upper half at 3.77% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Heritage Bank of Schaumburg sits 0.18 points lower, at 3.77% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.75% |
| Yield on loans | 5.38% |
| Yield on securities | 3.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.08% |
| Cost of interest-bearing deposits | 1.27% |
| Cost of interest-bearing liabilities | 1.27% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.77% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $340K |
| Interest expense on deposits | $340K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.20% | 0.38% | 2.85% | 4.31% | 1.71% |
| Q4 2023 | 3.35% | 0.49% | 2.90% | 4.41% | 1.75% |
| Q1 2024 | 3.44% | 0.69% | 2.81% | 4.44% | 1.79% |
| Q2 2024 | 3.74% | 0.81% | 3.00% | 4.64% | 1.85% |
| Q3 2024 | 3.81% | 0.93% | 2.96% | 4.68% | 2.01% |
| Q4 2024 | 4.01% | 1.02% | 3.07% | 4.84% | 2.22% |
| Q1 2025 | 4.08% | 0.98% | 3.18% | 4.99% | 2.51% |
| Q2 2025 | 4.38% | 1.00% | 3.47% | 5.17% | 3.01% |
| Q3 2025 | 4.48% | 1.02% | 3.54% | 5.27% | 3.33% |
| Q4 2025 | 4.56% | 1.03% | 3.62% | 5.27% | 3.50% |
| Q1 2026 | 4.60% | 1.03% | 3.67% | 5.35% | 3.53% |
| Q2 2026 | 4.75% | 1.08% | 3.77% | 5.38% | 3.77% |
Heritage Bank of Schaumburg yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank of Schaumburg, freeSource: Call Report Schedules RI and RC-K, 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)