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
Unfavorable gap of $17.6M · efficiency ratio beats 65% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.51% | 0.84% | 1.19% | Beats 65% | 20 / 57 | |
| Return on Equity | 11.46% | 3.13% | 7.76% | 11.40% | Beats 75% | 14 / 57 | |
| Net Interest Margin | 3.90% | 3.16% | 3.63% | 4.08% | Beats 67% | 19 / 57 | |
| Efficiency Ratio | 63.02% | 59.57% | 69.70% | 81.06% | Beats 65% | 21 / 57 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.06% | 0.34% | 1.78% | Beats 52% | 28 / 56 | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.01% | Beats 20% | 46 / 56 | |
| Capital |
| Tier 1 Capital Ratio | 10.58% | 12.24% | 16.06% | 19.69% | Beats 12% | 50 / 57 | |
| Total Risk-Based Capital Ratio | 10.58% | 12.54% | 16.50% | 20.95% | Beats 7% | 53 / 57 | |
| Equity / Assets | 9.64% | 9.37% | 11.56% | 15.00% | Beats 28% | 41 / 57 | |
| Liquidity & Funding |
| Loans / Deposits | 81.87% | 66.29% | 85.59% | 95.16% | 44th pctl | 32 / 57 | |
| Loans / Assets | 73.47% | 57.07% | 71.07% | 78.13% | 58th pctl | 24 / 57 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |