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Itasca Bank & Trust Co.

Itasca, IL · Cert 16666 · Itasca Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

16

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

65

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Itasca Bank & Trust Co.

Itasca, IL · Cert 16666 · Itasca Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$770.8MAssets
$566.3MLoans
$691.7MDeposits
$74.3MEquity
Loan mix
68%RE $363.1M32%C&I $173.1M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $503.6M27%Noninterest $188.1MQ2 2025Q2 2026

NIM

4.94%Q2 ’245.26%Q2 ’255.41%Q2 ’26+7%+11%

Non-interest income vs. expense

2.55%Q2 ’242.74%Q2 ’252.80%Q2 ’26+10%+1%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #58 of 147 inst. · $0.7B of $630.7B

Executive Summary

  • Earnings: ROA of 1.10%, up 16 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.28% of loans (+17 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.58%, up 29 bps from a year ago.
  • Funding: loans stand at 81.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+37 bps YoY

Efficiency Ratio (YTD, annualized)

63.02%-479 bps YoY

Tier 1 Leverage Ratio

10.58%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.02%1.05%1.03%1.10%+16 bps
Return on Equity10.82%11.41%11.65%10.84%11.55%+73 bps
Net Interest Margin3.53%3.65%3.63%3.80%3.90%+37 bps
Efficiency Ratio67.81%65.84%64.66%64.35%63.02%-479 bps
Non-Interest Burden2.23%2.23%2.17%2.26%2.26%+3 bps
Growth
Asset Growth (YoY)-1.04%-2.02%0.62%0.53%4.11%+515 bps
Loan Growth (YoY)0.83%3.39%4.01%1.61%4.90%+406 bps
Deposit Growth (YoY)-2.21%-2.91%-0.61%-0.53%3.64%+585 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.18%0.33%0.29%0.28%+17 bps
Net Charge-Offs / Loans0.04%0.02%0.02%0.00%0.03%-1 bps
Allowance / Loans1.36%1.37%1.39%1.46%1.42%+5 bps
Allowance Coverage of NPLs12.0x7.6x4.2x5.1x5.0x-7.0x
Capital
Tier 1 Leverage Ratio10.29%10.45%10.28%10.49%10.58%+29 bps
Total Risk-Based Capital10.29%10.45%10.28%10.49%10.58%+29 bps
Equity / Assets9.29%9.44%9.41%9.63%9.64%+35 bps
Liquidity & Funding
Loans / Deposits80.90%79.97%79.31%79.05%81.87%+98 bps
Liquid Assets / Assets0.98%2.83%4.00%4.06%2.77%+179 bps
CRE / Total Capitaln/a334%338%328%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Itasca Bank & Trust Co.

Itasca, IL · Cert 16666 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Itasca Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$770.8MAssets
$566.3MLoans
$691.7MDeposits
$74.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 75% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 14 of 57).
  • Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 53 of 57).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.10%

Rank 20 of 57

Net Interest Margin

3.90%

Rank 19 of 57

Efficiency Ratio

63.02%

Rank 21 of 57

Equity / Assets

9.64%

Rank 41 of 57

Non-interest income vs. expense

$4.2M$21.8MINCOMEEXPENSE
Unfavorable gap of $17.6M · efficiency ratio beats 65% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 63.02%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.10%0.51%0.84%1.19%Beats 65%20 / 57
Return on Equity11.46%3.13%7.76%11.40%Beats 75%14 / 57
Net Interest Margin3.90%3.16%3.63%4.08%Beats 67%19 / 57
Efficiency Ratio63.02%59.57%69.70%81.06%Beats 65%21 / 57
Asset Quality
Nonperforming Loans / Loans0.28%0.06%0.34%1.78%Beats 52%28 / 56
Net Charge-Offs / Loans0.04%n/a0.00%0.01%Beats 20%46 / 56
Capital
Tier 1 Capital Ratio10.58%12.24%16.06%19.69%Beats 12%50 / 57
Total Risk-Based Capital Ratio10.58%12.54%16.50%20.95%Beats 7%53 / 57
Equity / Assets9.64%9.37%11.56%15.00%Beats 28%41 / 57
Liquidity & Funding
Loans / Deposits81.87%66.29%85.59%95.16%44th pctl32 / 57
Loans / Assets73.47%57.07%71.07%78.13%58th pctl24 / 57
Brokered Deposits / Depositsn/aNot reported for this institution