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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

Schaumburg Bank & Trust Co. N.A.

Schaumburg, Illinois · $2.56B in assets · beside the 11 other Illinois banks between $1B and $3B

The filing

20.9%
CRE / loans
2nd of 12
34.5%
Efficiency
2nd of 12
160.2%
CRE / capital
2nd of 12

Schaumburg Bank & Trust Co. N.A. is the seventh largest of the 12 Illinois banks nearest its size between $1B and $3B, with $2.56B in assets at 30 June 2026. Loans are 84.3% of deposits, 4th of 12 against a median of 89.0%, and equity is 9.3% of assets, 5th of 12. Loans grew +2.2% in the year, 8th of 12, and deposits grew 6.6%; the cohort's median loan growth is +6.3%.

Noncurrent loans are 0.11% of the book, 3rd of 12 against a median of 0.37%; 0.18% is 30 to 89 days past due, and the allowance covers them 4.8 times. Commercial real estate is 20.9% of loans, 2nd of 12 against a median of 32.1%, and 160% of capital, below the 300% screen, with construction at 28% against the 100% screen.

Return on assets is 1.72%, 3rd of 12 against a median of 1.43%, on an efficiency ratio of 34.5%, 2nd of 12. Five years ago it was 0.98%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansIL banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 32.1% SB State Bank of the Lakes N.A. 17.1% SB Schaumburg Bank & Trust Co. N.A. 20.9% CL Crystal Lake Bank & Trust Co. N.A. 24.0% BB Beverly Bank & Trust Co. N.A. 24.5% PN Peoples National Bank N A 29.6% AC American Commercial Bank & Trust N.A. 29.9% FB FCB Banks 34.2% FB First Bank Chicago 40.6% RB Republic Bank of Chicago 46.1% IN Inb National Association 48.0% LB Lakeside Bank 72.5% MB Marquette Bank 77.4%
Loans, year over yearIL banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +6.3% SB State Bank of the Lakes N.A. +14.2% AC American Commercial Bank & Trust N.A. +13.1% CL Crystal Lake Bank & Trust Co. N.A. +13.1% FB First Bank Chicago +11.5% PN Peoples National Bank N A +8.6% LB Lakeside Bank +6.9% FB FCB Banks +5.6% SB Schaumburg Bank & Trust Co. N.A. +2.2% BB Beverly Bank & Trust Co. N.A. +0.4% RB Republic Bank of Chicago -0.5% IN Inb National Association -1.7% MB Marquette Bank -1.8%

SBA 7(a), FY2008 to FY2026

Schaumburg Bank & Trust Co. N.A. is the 83rd largest 7(a) lender into Illinois of 537, with $31M across 62 loans, 0.2% of everything approved in the state (Byline Bank leads with $2.39B). 1 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Illinois, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cook, IL$14M66th of 2820.2%+0.0 pts
Dupage, IL$6M54th of 1880.3%thin
Kane, IL$6M28th of 1410.8%thin
Lake, IL$3M63rd of 1600.2%thin
Will, IL$1M78th of 1450.1%thin
Mchenry, IL$557K75th of 1080.1%quiet FY2015
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction7$8M25.6%0.03%417th of 2,063
Manufacturing15$8M25.0%0.02%541st of 2,246
Other services11$5M17.4%0.02%516th of 2,248
Professional & technical services8$3M8.4%0.01%639th of 1,955
Retail trade5$2M6.8%0.00%1142nd of 2,589
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and Schaumburg Bank
BB Byline Bank 15.8% $2.39B · 2,427 loans TH The Huntington National Bank 6.2% $942M · 4,109 loans UB U.S. Bank, National Association 4.6% $694M · 2,828 loans JC JPMorgan Chase Bank, National Ass… 4.4% $660M · 4,997 loans LO Live Oak Banking Company 4.0% $607M · 489 loans VB Village Bank and Trust, National … 2.6% $396M · 826 loans MB Millennium Bank 2.4% $366M · 195 loans BB Busey Bank 2.1% $317M · 323 loans WF Wells Fargo Bank National Associa… 1.7% $250M · 513 loans FT Fifth Third Bank 1.6% $244M · 721 loans SB Schaumburg Bank & Trust Company, … 0.2% $31M · 62 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Schaumburg BankRankCohort median
Total CRE against capital, the 300% screen160%2nd of 12267%
Construction against capital, the 100% screen28%2nd of 1241%
Construction and land development, share of loans3.7%2nd of 125.4%
Non-owner-occupied nonfarm nonresidential, share of loans10.4%3rd of 1213.6%
Total CRE, the guidance definition, share of loans20.9%2nd of 1232.1%
CRE growth over 36 months, the third prong+36.7%10th of 12+14.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Lakeside Bank$2.85B1.8%52.8%0.03%-0.02%1.2%94.6%10.7%
State Bank of the Lakes N.A.$2.81B1.4%37.2%0.18%0.07%0.5%87.7%10.1%
Beverly Bank & Trust Co. N.A.$2.69B1.6%58.0%0.40%0.29%0.7%91.0%9.9%
Inb National Association$2.68B1.2%63.8%1.10%0.10%1.1%80.9%9.1%
FCB Banks$2.64B1.8%51.0%0.76%0.01%1.1%90.3%8.1%
Republic Bank of Chicago$2.61B1.3%61.5%1.27%0.02%1.2%74.1%12.3%
Schaumburg Bank & Trust Co. N.A.$2.56B1.7%34.5%0.11%0.04%0.5%84.3%9.3%
Crystal Lake Bank & Trust Co. N.A.$2.26B1.5%34.0%0.34%0.13%0.8%94.0%8.9%
First Bank Chicago$2.23B0.3%80.2%1.09%0.14%0.8%85.7%8.9%
Marquette Bank$2.09B0.7%74.2%0.10%0.04%1.0%80.6%9.1%
Peoples National Bank N A$2.08B1.5%62.1%0.84%0.23%1.2%99.8%8.6%
American Commercial Bank & Trust N.A.$2.07B1.3%50.9%0.29%0.02%1.5%95.2%9.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Schaumburg BankCohort median
20212026Change20212026Change
Loans$1.08B$1.86B+73%$1.23B$1.85B+50%
Deposits$1.37B$2.21B+62%$1.42B$2.24B+57%
NPA / loans0.05%0.11%+0.05 pts0.37%0.37%-0.00 pts
Efficiency59.7%34.5%-25.2 pts59.3%55.4%-3.9 pts
ROA0.98%1.72%+0.74 pts1.11%1.43%+0.33 pts

This read was prepared for Schaumburg Bank & Trust Co. N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Schaumburg Bank & Trust Co. N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $1B to $3B
Institution www.bankschaumburg.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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