Headquartered in Schaumburg, Illinois, Schaumburg Bank & Trust Company, National Association is a national bank with $2.6B in total assets and $2.2B in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 2001.
Based on its Q2 2026 filing, Schaumburg Bank & Trust Company, National Association scores 73/100, which we describe as strong. That is higher than 70% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 128th. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is capital cushion (44/100; 9.36%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 73).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 69 |
| Q4 2024 | 72 |
| Q1 2025 | 71 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 74 |
| Q1 2026 | 75 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.48% |
| Q3 2024 | 9.64% |
| Q4 2024 | 10.03% |
| Q1 2025 | 10.13% |
| Q2 2025 | 9.83% |
| Q3 2025 | 9.65% |
| Q4 2025 | 10.13% |
| Q1 2026 | 9.71% |
| Q2 2026 | 9.36% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.20% |
| Q1 2025 | 0.19% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.12% |
| Q2 2026 | 0.11% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.19% |
| Q3 2024 | 1.36% |
| Q4 2024 | 1.48% |
| Q1 2025 | 1.38% |
| Q2 2025 | 1.60% |
| Q3 2025 | 1.63% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.89% |
| Q2 2026 | 1.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $2.6B | 9.36% | 0.11% | 1.77% | 83.8% |
| Q1 2026 | 75 | $2.4B | 9.71% | 0.12% | 1.89% | 85.8% |
| Q4 2025 | 74 | $2.3B | 10.13% | 0.18% | 1.64% | 86.0% |
| Q3 2025 | 72 | $2.4B | 9.65% | 0.13% | 1.63% | 86.9% |
| Q2 2025 | 72 | $2.4B | 9.83% | 0.13% | 1.60% | 87.4% |
| Q1 2025 | 71 | $2.2B | 10.13% | 0.19% | 1.38% | 91.1% |
| Q4 2024 | 72 | $2.1B | 10.03% | 0.20% | 1.48% | 91.1% |
| Q3 2024 | 69 | $2.2B | 9.64% | 0.15% | 1.36% | 92.0% |
| Q2 2024 | 68 | $2.2B | 9.48% | 0.15% | 1.19% | 89.5% |
897 peers · $1 billion – $10 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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Republic Bank of ChicagoBank Oak Brook, IL | 68 out of 100, Moderate | $2.6B | 12.6% | 1.27% | vs |
| FCB BanksBank Collinsville, IL | 66 out of 100, Moderate | $2.6B | 8.5% | 0.76% | vs |
| INB, National AssociationBank Springfield, IL | 62 out of 100, Moderate | $2.7B | 9.4% | 1.10% | vs |
| Beverly Bank & Trust Company, National AssociationBank Chicago, IL | 71 out of 100, Strong | $2.7B | 9.9% | 0.40% | vs |
| State Bank of the Lakes, National AssociationBank Antioch, IL | 71 out of 100, Strong | $2.8B | 9.0% | 0.18% | vs |
| Lakeside BankBank Chicago, IL | 75 out of 100, Strong | $2.9B | 11.0% | 0.03% | vs |
Deposit insurance
Is my money safe at Schaumburg Bank & Trust Company, National Association?
Yes. Schaumburg Bank & Trust Company, National Association is an FDIC-insured institution (FDIC certificate #57103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.7% of deposits ($743.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.36%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.62% (benchmark: 10%).
7 locations
Branches
Schaumburg Bank & Trust Company, National Association lists 6 offices in 6 cities. Most locations:
- Addison, IL (1)
- Bloomingdale, IL (1)
- Elk Grove Village, IL (1)
- Itasca, IL (1)
- Schaumburg, IL (1)
- Wood Dale, IL (1)
HMDA 2025
Mortgage lending
In 2025, Schaumburg Bank & Trust Company, National Association reported 65 home-loan applications under HMDA (LEI 2I8LP0RLR14D1X6W0P51): 55 originated ($49,605,000 total), 1 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Schaumburg Bank & Trust Company, National Association
- Former names
- Advantage National Bank
- Type
- National bank
- FDIC certificate #
- 57103
- RSSD ID
- 2970657
- Primary regulator
- OCC
- Holding company
- Wintrust Financial Corp
- Established
- January 22, 2001
- Headquarters
- 1180 E Higgins Rd, Schaumburg, IL 60173
- Website
- www.bankschaumburg.com
- Employees
- 67
Quick answers
Schaumburg Bank & Trust Company, National Association: common questions
Is Schaumburg Bank & Trust Company, National Association FDIC insured?
Yes. Schaumburg Bank & Trust Company, National Association is an FDIC-insured institution (FDIC certificate #57103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Schaumburg Bank & Trust Company, National Association's TellerScore?
73 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 Schaumburg Bank & Trust Company, National Association ever failed?
There is no failure record for FDIC certificate #57103 in the FDIC failed bank list.
How many branches does Schaumburg Bank & Trust Company, National Association have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Schaumburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| Aurora Policemen Credit UnionCredit union Aurora, IL | 95 out of 100, Very strong | $26.3M | 15.3% | 0.00% | vs |
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |
| Aurora Firefighters' Credit UnionCredit union Aurora, IL | 93 out of 100, Very strong | $2.7M | 16.1% | 0.00% | vs |
| Policemen'S Federal Credit UnionCredit union South Bend, IN | 92 out of 100, Very strong | $95.5M | 16.4% | 0.29% | vs |
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |