Schaumburg Bank & Trust Company, N.A.: 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.
Cre concentration (tier 1 capital + allowance) climbed 4.28 percentage points in Q2 2026, from 161.85% to 166.13%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Schaumburg Bank & Trust Company, N.A. is 98th of 323 on loan-to-deposit ratio, 84.26% as of Q2 2026, above the middle of the field. Schaumburg Bank & Trust Company, N.A. reported 84.26% on loan-to-deposit ratio for Q2 2026, 3.95 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.86B |
| Net loans and leases | $1.85B |
| Loans held for sale | $0 |
| Loans to total assets | 72.69% |
| Loan-to-deposit ratio | 84.26% |
| Net loans to equity capital | 7.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.25% |
| Multifamily (5+ residential) | 6.76% |
| Commercial and industrial | 42.61% |
| Consumer | 17.07% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 166.13% |
| Construction concentration (Tier 1 capital + allowance) | 28.65% |
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 | 5.90% |
| Interest income on loans | $26.2M |
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 | $1.49B | $1.69B | 15.38% | 42.15% | 23.16% |
| Q4 2023 | $1.58B | $1.67B | 15.35% | 42.86% | 21.81% |
| Q1 2024 | $1.63B | $1.73B | 14.61% | 45.42% | 20.04% |
| Q2 2024 | $1.68B | $1.86B | 16.81% | 40.62% | 20.23% |
| Q3 2024 | $1.72B | $1.86B | 16.27% | 40.41% | 19.94% |
| Q4 2024 | $1.66B | $1.81B | 16.87% | 38.77% | 21.26% |
| Q1 2025 | $1.72B | $1.88B | 16.00% | 41.48% | 21.69% |
| Q2 2025 | $1.82B | $2.07B | 14.32% | 44.05% | 20.56% |
| Q3 2025 | $1.80B | $2.05B | 14.23% | 42.78% | 20.03% |
| Q4 2025 | $1.70B | $1.96B | 14.57% | 41.25% | 19.70% |
| Q1 2026 | $1.77B | $2.05B | 15.02% | 40.92% | 19.09% |
| Q2 2026 | $1.86B | $2.21B | 14.25% | 42.61% | 17.07% |
Schaumburg Bank & Trust Company, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Schaumburg Bank & Trust Company, N.A., 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 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)