BlastPoint's Banking Scorecard
Schaumburg Bank & Trust Company, National Association
Schaumburg, IL
7 branches across IL
Schaumburg Bank & Trust Company, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 26.7% in tier
- + Efficiency Ratio 27.16% below tier average
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.52% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+9.5% YoY
+4.0% QoQ
|
-$421.4M |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$1.8B
+2.9% YoY
+4.4% QoQ
|
-$204.7M |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
61% |
| Total Deposits ? |
$2.1B
+9.3% YoY
+4.6% QoQ
|
-$291.3M |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
1.89%
+36.2% YoY
+15.1% QoQ
|
+0.52% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Top 14.0% in tier |
| Net Interest Margin ? |
3.30%
+5.4% YoY
-0.1% QoQ
|
-0.52% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
29% |
| Efficiency Ratio ? |
33.90%
-11.5% YoY
-3.9% QoQ
|
-27.16% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Top 3.7% in tier |
| Delinquency Rate ? |
0.12%
-36.3% YoY
-35.8% QoQ
|
-0.77% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Top 13.2% in tier |
| Loan-to-Deposit Ratio ? |
85.77%
-5.9% YoY
-0.3% QoQ
|
+1.57% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
20.39%
+24.2% YoY
+8.8% QoQ
|
-0.90% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.09%
-39.3% YoY
-34.7% QoQ
|
-0.58% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Top 13.3% in tier |
| Tier 1 Capital Ratio ? |
11.41%
+3.0% YoY
-6.8% QoQ
|
-3.75% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.10%
+32.9% YoY
-70.2% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
32% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.