Schaumburg Bank & Trust Company
Schaumburg Bank & Trust Company reported total assets of $2.6 bn at Q2 2026, up 7.0% on a year earlier, the 489th largest of 497 banks in our US coverage. The CET1 capital ratio at Schaumburg Bank & Trust Company was 11.07%, and the uninsured share of Schaumburg Bank & Trust Company was 33.69%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Schaumburg Bank & Trust Company slipped from 225th to 265th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Schaumburg Bank & Trust Company reports one of the lowest efficiency ratio readings among banks of $1 bn to $10 bn: 34.50% at , where the median of the 339 banks is 56.87% (FDIC Call Reports).
- The noncurrent loans to total loans of Schaumburg Bank & Trust Company, 0.11% at , places Schaumburg Bank & Trust Company in the bottom tenth of banks of $1 bn to $10 bn (group median 0.58%; FDIC Call Reports).
What sets Schaumburg Bank & Trust Company apart
How large is Schaumburg Bank & Trust Company?
The balance sheet of Schaumburg Bank & Trust Company at : assets $2.6 bn, deposits $2.2 bn, net loans $1.9 bn (loans equal to 83.83% of deposits). Securities make up 20.7% of total assets at Schaumburg Bank & Trust Company. Since , when Schaumburg Bank & Trust Company held $937.4 mn, its assets grew 173.1%. In the year to , deposits at Schaumburg Bank & Trust Company rose 6.6% while its total assets rose 7.0%. At , Schaumburg Bank & Trust Company employed 67 full-time equivalent staff across 7 offices, about $38.2 mn of assets per employee and $315.5 mn of deposits per office.
How much funding at Schaumburg Bank & Trust Company is uninsured?
At Schaumburg Bank & Trust Company, uninsured deposits (above the FDIC limit) made up 33.69% of domestic deposits at (-2.73 pp on a year earlier); Schaumburg Bank & Trust Company ranks 265th of 500 on this measure. In dollars, Schaumburg Bank & Trust Company estimated $743.9 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.2 bn | +6.6% | 473rd of 499 |
| Net loans and leases | $1.9 bn | +2.3% | 459th of 500 |
| Loan-to-deposit ratio | 83.83% | -3.57 pp | 294th of 500 |
| Tier 1 leverage ratio | 9.36% | -0.47 pp | 388th of 500 |
| Total risk-based capital ratio | 11.62% | -0.05 pp | 433rd of 448 |
| Net interest margin | 3.33% | +0.18 pp | 336th of 500 |
| Return on assets (ROA) | 1.77% | +0.17 pp | 84th of 500 |
| Efficiency ratio | 34.50% | -2.27 pp | 35th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $26.6 mn | Narrowed by $3.8 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $14.8 mn | Widened by $572,000 | |
| Noncurrent loans to total loans | 0.11% | -0.03 pp | 38th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.04% | -0.03 pp | 185th of 500 (1 = lowest) |
US rank of Schaumburg Bank & Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Schaumburg Bank & Trust Company: assets, deposits and loans
- Total assets $2.6bn
- Deposits $2.2bn
- Net loans $1.9bn
Capital and securities
The CET1 ratio of Schaumburg Bank & Trust Company stood at 11.07% in , +0.01 pp year on year. Low and high at Schaumburg Bank & Trust Company since : 9.45% () to 12.24% (). Equity capital of Schaumburg Bank & Trust Company at : $236.9 mn, or 9.3% of total assets. Schaumburg Bank & Trust Company also reported a total capital ratio of 11.62% for , and a tier 1 leverage ratio of 9.36%.
On held-to-maturity securities, Schaumburg Bank & Trust Company carried an unrealized loss of $26.6 mn at , equal to 11.2% of equity capital. The loss narrowed by $3.8 mn over the year. Its deepest point: $41.0 mn in . The available-for-sale portfolio of Schaumburg Bank & Trust Company showed an unrealized loss of $14.8 mn at ; the loss widened by $572,000 over the year.
Schaumburg Bank & Trust Company: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.4%
Schaumburg Bank & Trust Company: unrealized securities gains and losses
- Available for sale -$15mn
- Held to maturity -$27mn
Profitability and loan quality
For the year to , Schaumburg Bank & Trust Company earned a return on equity of 17.97%; return on assets: 1.77%. Net interest margin at Schaumburg Bank & Trust Company: 3.33%, +0.18 pp in a year. Schaumburg Bank & Trust Company net income: $21.4 mn, up 19.3% year on year. The efficiency ratio of Schaumburg Bank & Trust Company was 34.50%: about 35 cents cost per revenue dollar, against 72 cents at the median peer.
At , noncurrent loans were 0.11% of total loans at Schaumburg Bank & Trust Company; net charge-offs: 0.04% of average loans. Gross loans and leases at Schaumburg Bank & Trust Company: $1.9 bn, up 2.2% in a year.
Schaumburg Bank & Trust Company: profitability
- Return on equity 18%
- Net interest margin 3.3%
- Return on assets 1.8%
Peer group of Schaumburg Bank & Trust Company
The peer group of Schaumburg Bank & Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Schaumburg Bank & Trust Company (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Illinois. Against them, Schaumburg Bank & Trust Company shows CET1 ratio 11.07% against a peer median of 13.21%, return on equity 17.97% against a peer median of 9.50% and uninsured deposit share 33.69% against a peer median of 42.90%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Extraco Banks | National bank | TX | $2.6 bn | 15.88% | 9.27% | 19.17% | |
| Cornerstone Bank | State member bank | MA | $2.6 bn | 11.84% | 6.96% | 27.38% | |
| United Business Bank | State member bank | CA | $2.6 bn | 13.76% | 0.93% | 46.48% | |
| Schaumburg Bank & Trust Company | National bank | IL | $2.6 bn | 11.07% | 17.97% | 33.69% | |
| Horizon Bank, SSB | State-chartered stock savings bank | TX | $2.6 bn | 11.99% | 20.71% | 50.64% | |
| Community National Bank | National bank | TX | $2.5 bn | 17.14% | 16.91% | 48.60% | |
| American National Bank & Trust | National bank | TX | $2.5 bn | 12.66% | 9.72% | 39.33% | |
. FDIC Call Reports.
Last eight quarters
Two years at Schaumburg Bank & Trust Company, to : assets +16.0%, deposits +19.0%, equity +6.0%. Staff 63 to 67.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.2 bn | $2.1 bn | $2.2 bn | $2.4 bn | $2.4 bn | $2.3 bn | $2.4 bn | $2.6 bn |
| Total deposits | $1.9 bn | $1.8 bn | $1.9 bn | $2.1 bn | $2.1 bn | $2.0 bn | $2.1 bn | $2.2 bn |
| Bank equity capital | $223.5 mn | $220.8 mn | $221.5 mn | $232.7 mn | $239.7 mn | $245.0 mn | $233.2 mn | $236.9 mn |
| CET1 ratio | 11.12% | 11.53% | 11.08% | 11.06% | 11.43% | 12.24% | 11.41% | 11.07% |
| Return on equity (ROE) | 13.78% | 14.87% | 13.56% | 15.96% | 16.18% | 16.11% | 18.52% | 17.97% |
| Uninsured share of domestic deposits | 32.99% | 30.18% | 31.79% | 36.42% | 35.19% | 33.10% | 34.91% | 33.69% |
| Full-time equivalent employees | 63 | 67 | 65 | 67 | 62 | 66 | 65 | 67 |
| Number of offices | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Schaumburg Bank & Trust Company appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Schaumburg Bank & Trust Company?
Schaumburg Bank & Trust Company reported $2.6 bn at in its Call Report. That makes Schaumburg Bank & Trust Company the 489th largest of 497 banks in our US coverage.
Is Schaumburg Bank & Trust Company the same as its holding company?
No. This page covers Schaumburg Bank & Trust Company, FDIC certificate 57103; WINTRUST FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Schaumburg Bank & Trust Company profitable?
Schaumburg Bank & Trust Company reported net income of $21.4 mn for the year to ; annualized return on equity: 17.97%. So yes: Schaumburg Bank & Trust Company made a profit over these months.
When is data for Schaumburg Bank & Trust Company next updated?
Figures from Schaumburg Bank & Trust Company for are due after .
Where can I check the figures for Schaumburg Bank & Trust Company?
In the FDIC BankFind Suite record for certificate 57103, and in the Call Reports of Schaumburg Bank & Trust Company (RSSD ID 2970657) at the FFIEC Central Data Repository.