Schaumburg Bank & Trust Company, N.A.
Also written as SB&T
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Data as of · sourced from FFIEC call reports. How we update
Schaumburg Bank & Trust Company, N.A. is an FDIC-insured commercial bank headquartered in Schaumburg, IL, supervised by the OCC, with $2.56B in total assets at Q2 2026, up 7.0% from Q2 2025, the 32nd largest of 319 banks headquartered in Illinois. It was established in 2001 and holds FDIC certificate 57103. Its CET1 capital ratio was 11.07% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57103
- Headquarters
- Schaumburg, IL
- Established
- 2001
- Total assets, Q2 2026
- $2.56B
- Assets vs Q2 2025
- +7.0%
- CET1 ratio, Q2 2026
- 11.07%
- Domestic offices
- 7 · Schaumburg Bank & Trust Company, N.A. branches FDIC institution directory, current count
- Routing number
- 071926197
- Safety and soundness
- Is Schaumburg Bank & Trust Company, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 041 · Schaumburg Bank & Trust Company, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 32nd of 319 in Illinois
Schaumburg Bank & Trust Company, N.A. runs leaner than most banks of its size. Its balance sheet stood at $2.6 billion at June 30, 2026, up 7.0% from a year earlier; it is based in Schaumburg, Illinois. It spends about 35 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it holds common equity equal to 11.07% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.50%).
Its $194 million non-owner-occupied commercial real estate book is now fully current, after 2.48% of it was past due or on nonaccrual a year earlier. Unrealized losses on its securities total $41 million, equal to 18% of Tier 1 capital, against 20% a year earlier.
As of June 30, 2026, Schaumburg Bank & Trust Company, N.A. reported a CET1 capital ratio of 11.07%, a return on assets of 1.67%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.90%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Schaumburg Bank & Trust Company, N.A. is the 32nd largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 6.9% to $2.56B, loans rose 5.1% and deposits rose 7.6%. Commercial and industrial loans made up 42.6% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 17.1%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in IL; its Schaumburg office books 39% of its branch deposits. On its Q2 2026 call report, Schaumburg Bank & Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1180 E Higgins Rd, Schaumburg, IL 60173
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 22, 2001
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $2.21B
- Allowance for credit losses
- $9.5M
- Net charge-offs (YTD)
- $388K
- Average total assets
- $2.48B
- Average total loans
- $1.78B
- Average interest-bearing deposits
- $1.69B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 22, 2001
- FDIC Cert
- 57103
- Fed RSSD
- 2970657
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.bankschaumburg.com →
- Parent Holding Company
- WINTRUST FINANCIAL CORPORATION (RSSD 2260406) · WTFC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Timothy Crane | CEO | PRESIDENT & CEO |
| Thomas P Zidar | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| David L Stoehr | CFO | CHIEF FINANCIAL OFFICER |
| David A Dykstra | COO | VICE CHAIRMAN AND COO |
| Kathleen M Boege | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| James V Lentino | CRO | SVP and Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Schaumburg Bank & Trust Company, N.A.'s total assets ranged from $2.02B (Q3 2023) to $2.56B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.56B total assets against $2.39B; $2.32B total liabilities against $2.16B.
$1.85B net loans and leases against $1.81B; $2.21B total deposits against $2.07B.
$531.0M securities against $411.3M; $95.5M cash and balances due against $65.9M.
$32.7M total interest income against $32.2M; $12.6M total interest expense against $14.7M.
$20.0M net interest income against $17.5M.
$2.0M total noninterest income against $2.1M; $7.7M total noninterest expense against $7.0M.
$326K provision for credit losses against -$1.6M.
$10.3M net income against $10.5M.
1.67% return on assets against 1.82%; 3.33% net interest margin against 3.13%.
11.07% CET1 capital ratio against 11.06%; 9.36% tier 1 leverage ratio against 9.83%.
Inside the full Schaumburg Bank & Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Schaumburg Bank & Trust Company, N.A. rankings
Its closest position to the top of a national ranking is 86 of 3,606, for efficiency ratio; its furthest is 1,938 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.41% (Q1 2025) to 1.89% (Q1 2026) and its net interest margin ran from 3.03% (Q4 2024) to 3.33% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.07% | 1.67% | 0.11% | 0.90% | 3.33% |
| Q1 2026 | 11.41% | 1.89% | 0.12% | 0.96% | 3.25% |
| Q4 2025 | 12.24% | 1.65% | 0.18% | 1.34% | 3.29% |
| Q3 2025 | 11.43% | 1.64% | 0.13% | 1.02% | 3.24% |
| Q2 2025 | 11.06% | 1.82% | 0.13% | 1.10% | 3.13% |
| Q1 2025 | 11.08% | 1.41% | 0.19% | 1.49% | 3.15% |
| Q4 2024 | 11.53% | 1.80% | 0.20% | 1.58% | 3.03% |
| Q3 2024 | 11.12% | 1.65% | 0.15% | 1.17% | 3.16% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Schaumburg Bank & Trust Company, N.A. (main office) | Schaumburg , IL | 60173 | $868.8M |
| Itasca Branch | Itasca , IL | 60143 | $481.9M |
| Bloomingdale Bank & Trust, A Branch of Schaumburg Bank & Trust Company, N.A. | Bloomingdale , IL | 60108 | $422.0M |
| Wood Dale Bank & Trust, A Branch of Schaumburg Bank & Trust Company, N.A. | Wood Dale , IL | 60191 | $177.7M |
| Addison Bank and Trust Branch | Addison , IL | 60101 | $171.5M |
| Elk Grove Village Bank & Trust Branch | Elk Grove Village , IL | 60007 | $86.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 26, 2011 | Structure Change | Acquired The Bank of Commerce Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 25, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- March 25, 2019, Federal Reserve: Civil Money Penalty, $1,012,500: Wintrust Financial Corporation, Rosemont, Illinois
- Period: Most recent institution action March 25, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in IL, rank 40 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 65 applications, 55 loans originated, $49.6M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $2.5M approved, $505K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Schaumburg Bank & Trust Company, N.A.
What are Schaumburg Bank & Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Schaumburg Bank & Trust Company, N.A. reported total assets of $2.56 billion in its FFIEC call report.
Where is Schaumburg Bank & Trust Company, N.A. headquartered?
It is headquartered in Schaumburg, IL, United States.
When was Schaumburg Bank & Trust Company, N.A. founded?
It was established in 2001, per the FDIC institution directory.
Is Schaumburg Bank & Trust Company, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Schaumburg Bank & Trust Company, N.A.?
Schaumburg Bank & Trust Company, N.A.'s primary federal regulator is the OCC.
What is Schaumburg Bank & Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.07% in its Q2 2026 call report, above regulatory requirements.
How many branches does Schaumburg Bank & Trust Company, N.A. operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Schaumburg Bank & Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 0.90% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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