BlastPoint's Banking Scorecard

Heritage Bank of Schaumburg

$100M-$1B Specialty: Commercial IL FDIC cert 21721

Schaumburg, IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Heritage Bank of Schaumburg has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 39.0% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.15% above tier average
+ Efficiency Ratio 5.48% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.25% below tier average
- Net Interest Margin 0.22% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$150.1M +3.0% YoY +0.1% QoQ	-$236.0M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 14.2% in tier
Total Loans ?	$81.1M +14.8% YoY +5.2% QoQ	-$174.6M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 11.7% in tier
Total Deposits ?	$126.9M +2.2% YoY +0.2% QoQ	-$201.1M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 14.2% in tier
Return on Assets ?	1.42% +35.2% YoY +14.4% QoQ	+0.15%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	64%
Net Interest Margin ?	3.71% +14.9% YoY +6.3% QoQ	-0.22%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	41%
Efficiency Ratio ?	59.80% -9.5% YoY -4.7% QoQ	-5.48%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	63.93% +12.3% YoY +5.0% QoQ	-12.71%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	16.04% -2.3% YoY -1.9% QoQ	-5.98%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	18.56% -20.6% YoY -15.6% QoQ	+2.73%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.03% -6.8% YoY -75.8% QoQ	-0.25%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Bottom 9.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#260 of 664 • Top 39.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

458

Tier 1 Capital Ratio

capital

Value: 18.56%

Peer Median: 15.83%

#458 of 2664 Top 17.2% in $100M-$1B

625

Loan-to-Deposit Ratio

liquidity

Value: 63.93%

Peer Median: 76.64%

#625 of 2664 Top 23.4% in $100M-$1B

Top Weaknesses (4 metrics)

2425

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2425 of 2664 Bottom 9.0% in $100M-$1B

2353

Total Loans

size

Value: $81.12M

Peer Median: $255.72M

#2353 of 2664 Bottom 11.7% in $100M-$1B

2287

Total Deposits

size

Value: $126.90M

Peer Median: $327.97M

#2287 of 2664 Bottom 14.2% in $100M-$1B

2286

Total Assets

size

Value: $150.05M

Peer Median: $386.08M

#2286 of 2664 Bottom 14.2% in $100M-$1B