Schaumburg Bank & Trust Company, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 20.5% in Q2 2026, from -$8.3M to -$9.9M. It was the largest change from Q1 2026 among the key lines here. Schaumburg Bank & Trust Company, N.A. ranks 171st of 198 Illinois banks on CET1 ratio, in the lower half at 11.07% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Schaumburg Bank & Trust Company, N.A. sits 2.41 points lower, at 11.07% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.07% |
| Tier 1 risk-based capital ratio | 11.07% |
| Total risk-based capital ratio | 11.62% |
| Tier 1 leverage ratio | 9.36% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $231.0M |
| Tier 1 capital | $231.0M |
| Total risk-based capital | $242.3M |
| Total equity capital | $236.9M |
| Risk-weighted assets | $2.09B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.26% |
| Tangible equity to tangible assets | 8.69% |
| Equity capital to average assets | 9.54% |
| Internal capital growth rate | 9.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.6M |
| Common stock surplus | $112.3M |
| Retained earnings | $131.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.71% | 10.71% | 11.38% | 8.99% | $1.71B |
| Q4 2023 | 10.59% | 10.59% | 11.31% | 9.36% | $1.80B |
| Q1 2024 | 10.71% | 10.71% | 11.47% | 9.71% | $1.84B |
| Q2 2024 | 10.78% | 10.78% | 11.67% | 9.48% | $1.88B |
| Q3 2024 | 11.12% | 11.12% | 11.93% | 9.64% | $1.91B |
| Q4 2024 | 11.53% | 11.53% | 12.22% | 10.03% | $1.88B |
| Q1 2025 | 11.08% | 11.08% | 11.79% | 10.13% | $1.93B |
| Q2 2025 | 11.06% | 11.06% | 11.66% | 9.83% | $2.03B |
| Q3 2025 | 11.43% | 11.43% | 12.04% | 9.65% | $2.01B |
| Q4 2025 | 12.24% | 12.24% | 12.90% | 10.13% | $1.91B |
| Q1 2026 | 11.41% | 11.41% | 11.98% | 9.71% | $1.98B |
| Q2 2026 | 11.07% | 11.07% | 11.62% | 9.36% | $2.09B |
Schaumburg Bank & Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Schaumburg Bank & Trust Company, N.A., freeSource: Call Report Schedule RC-R, 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 Schaumburg Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57103) · FFIEC NIC profile (RSSD 2970657)