PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

5.07%Q2 ’245.30%Q2 ’255.52%Q2 ’26+9%+9%

Non-interest income vs. expense

2.54%Q2 ’242.71%Q2 ’252.81%Q2 ’26+9%+4%

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 1.18%, up 9 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.28% of loans (+17 bps YoY), with net charge-offs at 0.06%.
  • 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 (quarter, annualized)

1.18%+9 bps YoY

Net Interest Margin (quarter, annualized)

4.00%+35 bps YoY

Efficiency Ratio (quarter, annualized)

61.76%-286 bps YoY

Tier 1 Leverage Ratio

10.58%+29 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.18%1.16%1.03%1.18%+9 bps
Return on Equity12.15%12.55%12.30%10.84%12.25%+10 bps
Net Interest Margin3.66%3.87%3.93%3.80%4.00%+35 bps
Efficiency Ratio64.62%62.20%61.52%64.35%61.76%-286 bps
Non-Interest Burden2.17%2.21%2.19%2.26%2.26%+9 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 / Loans0.00%0.00%0.00%0.00%0.06%+7 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