Heritage Bank of Schaumburg: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Heritage Bank of Schaumburg is the primary bank subsidiary of its parent holding company, headquartered in Schaumburg, IL, anchoring the Midwest banking market. On its most recent Q2 2026 call report, Heritage Bank of Schaumburg reported $150M in total assets against $126M in deposits. The bank posts a strong 1.45% ROA and 9.61% ROE. Regulatory capital is solid, 19.35% CET1 and 20.50% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.00%. The bank operates from a single office.
As of June 30, 2026, Heritage Bank of Schaumburg reported a CET1 capital ratio of 19.35%, a return on assets of 1.45%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1535 W Schaumburg Rd, Schaumburg, IL 60194
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 8, 1974
- Offices
- 1 domestic
- Employees (FTE)
- 17
- Domestic deposits
- $126.5M
- Allowance for credit losses
- $899K
- Net charge-offs (YTD)
- $0
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 8, 1974
- FDIC Cert
- 21721
- Fed RSSD
- 337340
- SEC CIK
- 1178434 → filed by SCHAUMBURG BANCSHARES, INC.
- Website
- www.hbschaumburg.com →
- Parent Holding Company
- SCHAUMBURG BANCSHARES, INC. (RSSD 1204609)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Heritage Bank of Schaumburg terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Heritage Bank of Schaumburg, 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Heritage Bank of Schaumburg rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.35% | 1.45% | 0.00% | 0.00% | 3.77% |
| Q1 2026 | 18.56% | 1.41% | 0.00% | 0.00% | 3.67% |
| Q4 2025 | 21.98% | 1.36% | 0.00% | 0.00% | 3.62% |
| Q3 2025 | 22.90% | 1.31% | 0.00% | 0.00% | 3.54% |
| Q2 2025 | 23.47% | 1.22% | 0.00% | 0.00% | 3.47% |
| Q1 2025 | 23.38% | 1.04% | 0.00% | 0.00% | 3.18% |
| Q4 2024 | 21.65% | 0.93% | 0.00% | 0.00% | 3.07% |
| Q3 2024 | 22.94% | 0.74% | 0.00% | 0.00% | 2.96% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Heritage Bank of Schaumburg (main office) | Schaumburg , IL | 60194 | $126.5M |
Regulatory record
What the public regulatory sources show for Heritage Bank of Schaumburg, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 270 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 9 applications, 8 loans originated, $3.0M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Heritage Bank of Schaumburg
What are Heritage Bank of Schaumburg's total assets?
As of the Q2 2026 filing, Heritage Bank of Schaumburg reported total assets of $150.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Heritage Bank of Schaumburg headquartered?
Heritage Bank of Schaumburg is headquartered in Schaumburg, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Heritage Bank of Schaumburg founded?
Heritage Bank of Schaumburg was established in 1974, per the FDIC institution directory.
Is Heritage Bank of Schaumburg FDIC-insured?
Yes. Heritage Bank of Schaumburg is an FDIC-insured commercial bank (FDIC Certificate #21721). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Heritage Bank of Schaumburg?
Heritage Bank of Schaumburg's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Heritage Bank of Schaumburg's CET1 capital ratio?
Heritage Bank of Schaumburg reported a Common Equity Tier 1 (CET1) capital ratio of 19.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Heritage Bank of Schaumburg operate?
Heritage Bank of Schaumburg operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Heritage Bank of Schaumburg's Texas Ratio?
Heritage Bank of Schaumburg's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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