TellerScore

Heritage Bank of Schaumburg is a state-chartered bank headquartered in Schaumburg, Illinois, in business for about 52 years. At the end of Q2 2026 it reported $150.0M in total assets and $126.5M in deposits, with 1 office.

Heritage Bank of Schaumburg has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 47th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (59/100, 10.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.86%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings78/100
Return on assets (annualized): 1.44%
Funding & liquidity98/100
Loans ÷ deposits and uninsured-deposit share: 62.3% · 6.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (79 → 83), mostly because the earnings component improved by 12 points.

TellerScore
757983Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202476
Q4 202476
Q1 202578
Q2 202579
Q3 202580
Q4 202580
Q1 202682
Q2 202683
Tier 1 leverage ratio
5.00%7.93%10.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.12%
Q3 202410.26%
Q4 202410.18%
Q1 202510.17%
Q2 202510.35%
Q3 202510.44%
Q4 202510.53%
Q1 202610.63%
Q2 202610.86%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.70%1.07%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.72%
Q4 20240.78%
Q1 20251.05%
Q2 20251.14%
Q3 20251.20%
Q4 20251.24%
Q1 20261.42%
Q2 20261.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$150.0M10.86%0.00%1.44%62.3%
Q1 202682$150.1M10.63%0.00%1.42%63.9%
Q4 202580$150.0M10.53%0.00%1.24%60.9%
Q3 202580$147.6M10.44%0.00%1.20%59.0%
Q2 202579$146.8M10.35%0.00%1.14%57.2%
Q1 202578$145.7M10.17%0.00%1.05%56.9%
Q4 202476$145.3M10.18%0.00%0.78%60.0%
Q3 202476$142.5M10.26%0.00%0.72%58.8%
Q2 202475$142.1M10.12%0.00%0.70%55.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.86%
48th
Total risk-based capital20.50%
87th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets1.44%
62nd
Net interest margin3.73%
38th
Efficiency ratio59.6%
58th
Loans to deposits62.3%
80th
Uninsured deposits6.5%
98th
Loan-loss reserves1.13%
42nd
Texas ratio0.0%
95th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of LitchfieldBank Litchfield, IL77 out of 100, Strong$150.4M11.5%0.13%vs
First Security BankBank Mackinaw, IL69 out of 100, Moderate$151.1M9.2%0.00%vs
Du Quoin State BankBank Du Quoin, IL78 out of 100, Strong$148.2M10.8%0.00%vs
Union Federal Savings and Loan AssociationBank Kewanee, IL77 out of 100, Strong$145.6M16.5%0.51%vs
Philo Exchange BankBank Philo, IL76 out of 100, Strong$156.6M10.2%0.02%vs
National Bank of St. AnneBank St. Anne, IL57 out of 100, Moderate$143.2M9.4%1.55%vs

Deposit insurance

Is my money safe at Heritage Bank of Schaumburg?

Yes. Heritage Bank of Schaumburg is an FDIC-insured institution (FDIC certificate #21721). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 6.5% of deposits ($8.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.86%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.50% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Heritage Bank of Schaumburg lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Heritage Bank of Schaumburg
Type
State-chartered bank
FDIC certificate #
21721
RSSD ID
337340
Primary regulator
FDIC
Holding company
Schaumburg Bancshares Inc
Established
August 8, 1974
Headquarters
1535 W Schaumburg Rd, Schaumburg, IL 60194
Employees
17

Quick answers

Heritage Bank of Schaumburg: common questions

Is Heritage Bank of Schaumburg FDIC insured?

Yes. Heritage Bank of Schaumburg is an FDIC-insured institution (FDIC certificate #21721). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Heritage Bank of Schaumburg's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Heritage Bank of Schaumburg ever failed?

There is no failure record for FDIC certificate #21721 in the FDIC failed bank list.

How many branches does Heritage Bank of Schaumburg have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Schaumburg

InstitutionScoreAssetsCapitalProblem loansCompare
Western Springs Federal Credit UnionCredit union Western Springs, IL95 out of 100, Very strong$3.9M18.2%0.46%vs
Aurora Policemen Credit UnionCredit union Aurora, IL95 out of 100, Very strong$26.3M15.3%0.00%vs
Aurora Firefighters' Credit UnionCredit union Aurora, IL93 out of 100, Very strong$2.7M16.1%0.00%vs
St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL93 out of 100, Very strong$383K15.0%0.00%vs
First Eagle BankBank Chicago, IL91 out of 100, Very strong$649.6M21.3%0.10%vs
Abbott Laboratories Credit UnionCredit union Gurnee, IL89 out of 100, Very strong$1.1B14.5%0.11%vs