Schaumburg Bank & Trust Company, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 368.57 percentage points lower than in Q1 2026, at 155.80%. Schaumburg Bank & Trust Company, N.A. ranks 65th of 323 Illinois banks on return on assets, in the upper half at 1.67% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Schaumburg Bank & Trust Company, N.A. sits 0.39 points higher, at 1.67% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.07% |
| Tier 1 risk-based capital ratio | 11.07% |
| Total risk-based capital ratio | 11.62% |
| Tier 1 leverage ratio | 9.36% |
| Equity capital to assets | 9.26% |
| Tangible equity to tangible assets | 8.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 2.84% |
| Allowance for credit losses to loans | 0.51% |
| Reserve coverage of non-performing loans | 155.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.67% |
| Return on equity | 17.61% |
| Net interest margin | 3.33% |
| Efficiency ratio | 34.94% |
| Yield on earning assets | 5.42% |
| Cost of funds | 2.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.26% |
| Core deposits to total deposits | 80.78% |
| Brokered deposits to total deposits | 11.28% |
| Deposits to assets | 86.27% |
| Securities to assets | 20.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.71% | 10.71% | 11.38% | 8.99% | 1.53% |
| Q4 2023 | 10.59% | 10.59% | 11.31% | 9.36% | 1.41% |
| Q1 2024 | 10.71% | 10.71% | 11.47% | 9.71% | 1.38% |
| Q2 2024 | 10.78% | 10.78% | 11.67% | 9.48% | 1.00% |
| Q3 2024 | 11.12% | 11.12% | 11.93% | 9.64% | 1.65% |
| Q4 2024 | 11.53% | 11.53% | 12.22% | 10.03% | 1.80% |
| Q1 2025 | 11.08% | 11.08% | 11.79% | 10.13% | 1.41% |
| Q2 2025 | 11.06% | 11.06% | 11.66% | 9.83% | 1.82% |
| Q3 2025 | 11.43% | 11.43% | 12.04% | 9.65% | 1.64% |
| Q4 2025 | 12.24% | 12.24% | 12.90% | 10.13% | 1.65% |
| Q1 2026 | 11.41% | 11.41% | 11.98% | 9.71% | 1.89% |
| Q2 2026 | 11.07% | 11.07% | 11.62% | 9.36% | 1.67% |
Schaumburg Bank & Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Schaumburg Bank & Trust Company, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)