Side-by-side · Q2 2026 data
Heritage Bank of Schaumburg vs American Community Bank & Trust
Metric by metric
| Measure | Heritage Bank of Schaumburg | American Community Bank & Trust |
|---|---|---|
| TellerScore | 83 (stronger) | 64 |
| Capital cushion | 59 (stronger) | 56 |
| Loan quality | 100 (stronger) | 67 |
| Earnings | 78 (stronger) | 75 |
| Funding & liquidity | 98 (stronger) | 47 |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 84th | 33rd |
| Total assets | $150.0M | $1.2B |
| Deposits / shares | $126.5M | $1.0B |
| Capital ratio | 10.86% (stronger) | 10.61% |
| Problem loans | 0.00% (stronger) | 1.00% |
| Net charge-offs | 0.00% | -0.09% (stronger) |
| Return on assets | 1.44% (stronger) | 1.38% |
| Loans ÷ deposits | 62.3% (stronger) | 77.7% |
| Uninsured deposits | 6.5% (stronger) | 47.2% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
Heritage Bank of Schaumburg has the higher TellerScore (83 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Heritage Bank of Schaumburg leads on 6 and American Community Bank & Trust on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.