Heritage Bank of Schaumburg: how it compares with its peers
Against 126 IL banks with half to twice its assets, Heritage Bank of Schaumburg's strongest measure in Q2 2026 is assets per employee ($8.8M vs. a $6.3M peer median). Its weakest relative measure is net interest margin (3.73% vs. 3.78%).
| Measure | Heritage Bank of Schaumburg | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.44% | 1.14% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.73% | 3.78% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.57% | 65.25% | Top third Ahead of 67% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.8M | $6.3M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.26% | 70.92% | Context |
What it means for lending operations
Its efficiency ratio of 59.57% is better than the 65.25% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank of Litchfield Litchfield, IL · $150M
- First Security Bank Mackinaw, IL · $151M
- Du Quoin State Bank Du Quoin, IL · $148M
- Union Federal Savings and Loan Association Kewanee, IL · $146M
- Philo Exchange Bank Philo, IL · $157M
- National Bank of St. Anne St. Anne, IL · $143M
Questions about Heritage Bank of Schaumburg
How big is Heritage Bank of Schaumburg?
Heritage Bank of Schaumburg, established in 1974, is headquartered in Schaumburg, IL. It reported $150M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Heritage Bank of Schaumburg's return on assets?
1.44% annualized in Q2 2026, against a 1.14% median for 126 IL banks with half to twice its assets, ahead of 74% of them.
What is Heritage Bank of Schaumburg's efficiency ratio?
59.57% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 65.25%, and lower is better.
Is Heritage Bank of Schaumburg growing its loans?
Net loans grew 10.7% over the year to Q2 2026, while deposits grew 1.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.