BlastPoint's Banking Scorecard

Schaumburg Bank & Trust Company, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 57103

Schaumburg, IL

7 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +6.6% year over year ($2.2B on the books).
Delinquency rate 0.11%.
Return on assets 1.77%.
Efficiency ratio 34.50% vs a 59.73% peer average.
Loan-to-deposit ratio 83.83% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

Schaumburg Bank & Trust Company, National Association has 3 strengths but faces 1 concern

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 41.2% in tier
+ Efficiency Ratio 25.22% below tier average
+ ROA 0.38% above tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.54% below tier average

Get updates when Schaumburg Bank & Trust Company, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$2.6B +7.0% YoY +6.9% QoQ	-$233.6M	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	62%
Total Loans ?	$1.9B +2.3% YoY +5.2% QoQ	-$112.1M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	64%
Total Deposits ?	$2.2B +6.6% YoY +7.6% QoQ	-$110.6M	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	64%
Return on Assets ?	1.77% +10.6% YoY -6.1% QoQ	+0.38%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	81%
Net Interest Margin ?	3.33% +5.8% YoY +1.1% QoQ	-0.54%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	27%
Efficiency Ratio ?	34.50% -6.2% YoY +1.8% QoQ	-25.22%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 4.0% in tier
Delinquency Rate ?	0.11% -20.9% YoY -10.4% QoQ	-0.76%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Top 12.7% in tier
Loan-to-Deposit Ratio ?	83.83% -4.1% YoY -2.3% QoQ	-1.21%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	58%
Non-Interest-Bearing Deposit Share ?	19.57% +9.4% YoY -4.0% QoQ	-1.70%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	49%
Nonperforming Asset Ratio ?	0.08% -23.8% YoY -11.6% QoQ	-0.59%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Top 12.9% in tier
Tier 1 Capital Ratio ?	11.07% +0.1% YoY -3.0% QoQ	-3.77%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.17% +8.4% YoY +72.4% QoQ	-0.36%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	24%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	19.6% +1.7pp YoY -0.8pp QoQ	-1.8pp	21.4%	20.1%	22.2%	49%
Brokered Deposits	11.3% -0.6pp YoY 0.0pp QoQ	+1.8pp	9.5%	8.0%	8.5%	72%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	42.8% -1.5pp YoY +1.7pp QoQ	+28.8pp	14.0%	14.7%	12.5%	96%
CRE	24.8% +0.5pp YoY -0.3pp QoQ	-25.2pp	50.0%	37.9%	41.4%	8%
1-4 Family	8.8% +1.1pp YoY -0.5pp QoQ	-17.6pp	26.4%	28.3%	31.3%	13%
Consumer	17.2% -3.5pp YoY -2.0pp QoQ	+12.4pp	4.7%	5.4%	5.0%	94%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	11.1% 0.0pp YoY -0.3pp QoQ	-4.5pp	15.6%	19.9%	19.7%	11%
Leverage Ratio	9.4% -0.5pp YoY -0.4pp QoQ	-2.0pp	11.3%	12.2%	12.6%	20%
Total Capital Ratio	11.6% 0.0pp YoY -0.4pp QoQ	-5.1pp	16.7%	20.9%	20.8%	5%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	67 0 YoY +2 (+3.1%) QoQ	-247	313	228	482	2%
Assets per Employee ($)	$38.2M +7.0% YoY +3.7% QoQ	+$27.7M	$10.5M	$8.3M	$8.8M	98%
Branch Count	7 0 YoY 0 QoQ	-13	20	10	18	17%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	41%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.8%	1.1%	1.0%	9%
Allowance Coverage	4.78x +7.7% YoY +3.6% QoQ	-13.93x	18.71x	5.62x	20.23x	77%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	51%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	18.0% +2.0pp YoY -0.6pp QoQ	+5.4pp	12.6%	10.5%	11.6%	86%
Cost of Funds (YTD)	2.1% -0.5pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.6%	1.7%	67%
Net Income ($, YTD)	$21.4M +19.3% YoY — QoQ	+$2.2M	$19.2M	$11.7M	$40.4M	72%

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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

#92 of 221 • Top 41.2% in tier

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

Why this signature

Delinquency Rate: 0.11%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 34.50%

Peer Median: 59.73%

#36 of 885 Top 4.0% in $1B-$10B

113

Delinquency Rate

credit_quality

Value: 0.11%

Peer Median: 0.87%

#113 of 882 Top 12.7% in $1B-$10B

115

Nonperforming Asset Ratio

credit_quality

Value: 0.08%

Peer Median: 0.67%

#115 of 885 Top 12.9% in $1B-$10B

168

Return on Assets

profitability

Value: 1.77%

Peer Median: 1.39%

#168 of 885 Top 18.9% in $1B-$10B

Top Weaknesses (2 metrics)

714

Tier 1 Capital Ratio

capital

Value: 11.07%

Peer Median: 14.84%

#714 of 885 Bottom 19.4% in $1B-$10B

671

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.53%

#671 of 885 Bottom 24.3% in $1B-$10B