BlastPoint's Banking Scorecard
Schaumburg Bank & Trust Company, National Association
Community
Specialty: Commercial
IL
FDIC cert 57103
Schaumburg, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Schaumburg Bank & Trust Company, National Association shows strong momentum with 1 strength and 7.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 27.35% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+7.3% YoY
-3.4% QoQ
|
+$910.0M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$1.7B
+2.1% YoY
-5.5% QoQ
|
+$711.2M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$2.0B
+8.2% YoY
-4.5% QoQ
|
+$796.4M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.64%
+10.9% YoY
+0.8% QoQ
|
+0.47% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
3.30%
+0.1% YoY
+1.5% QoQ
|
-0.36% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
35.28%
-5.1% YoY
-1.2% QoQ
|
-27.35% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.19%
-8.9% YoY
+43.6% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
86.01%
-5.6% YoY
-1.0% QoQ
|
+2.95% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
18.75%
+23.5% YoY
+4.1% QoQ
|
-2.30% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.14%
-13.1% YoY
+39.1% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
12.24%
+6.2% YoY
+7.2% QoQ
|
+2.00% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.33%
+65.1% YoY
+40.0% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 2%
in Community
Why this stands out
Current:
35.28%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Efficiency Ratio
Current: 35.28% · Tier avg: 62.63%
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
84
84th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
72
72th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.24% · Tier avg: 10.24%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.01% · Tier avg: 83.06%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.75% · Tier avg: 21.05%
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
Top Weaknesses
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.75% · Tier avg: 21.05%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.01% · Tier avg: 83.06%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.24% · Tier avg: 10.24%
72
72th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
84
84th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
98
98th pctile
Efficiency Ratio
Current: 35.28% · Tier avg: 62.63%