Itasca, IL · Cert 16666 · Itasca Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #58 of 147 inst. · $0.7B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.96% | 0.80% | 0.95% | 1.02% | 1.05% | 1.03% | 1.10% | +16 bps | |
| Return on Equity | 11.84% | 11.62% | 9.44% | 10.82% | 11.41% | 11.65% | 10.84% | 11.55% | +73 bps | |
| Net Interest Margin | 3.31% | 3.22% | 3.34% | 3.53% | 3.65% | 3.63% | 3.80% | 3.90% | +37 bps | |
| Efficiency Ratio | 65.58% | 66.02% | 71.26% | 67.81% | 65.84% | 64.66% | 64.35% | 63.02% | -479 bps | |
| Non-Interest Burden | 1.99% | 1.95% | 2.25% | 2.23% | 2.23% | 2.17% | 2.26% | 2.26% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.41% | 5.24% | 1.74% | -1.04% | -2.02% | 0.62% | 0.53% | 4.11% | +515 bps | |
| Loan Growth (YoY) | 4.60% | 5.65% | 2.28% | 0.83% | 3.39% | 4.01% | 1.61% | 4.90% | +406 bps | |
| Deposit Growth (YoY) | 4.08% | 4.94% | 0.88% | -2.21% | -2.91% | -0.61% | -0.53% | 3.64% | +585 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.06% | 0.11% | 0.18% | 0.33% | 0.29% | 0.28% | +17 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.08% | 0.04% | 0.02% | 0.02% | 0.00% | 0.03% | -1 bps | |
| Allowance / Loans | 1.40% | 1.38% | 1.36% | 1.36% | 1.37% | 1.39% | 1.46% | 1.42% | +5 bps | |
| Allowance Coverage of NPLs | 2448.0x | n/a | 20.9x | 12.0x | 7.6x | 4.2x | 5.1x | 5.0x | -7.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.89% | 9.66% | 9.95% | 10.29% | 10.45% | 10.28% | 10.49% | 10.58% | +29 bps | |
| Total Risk-Based Capital | 9.89% | 9.66% | 9.95% | 10.29% | 10.45% | 10.28% | 10.49% | 10.58% | +29 bps | |
| Equity / Assets | 8.57% | 8.31% | 8.74% | 9.29% | 9.44% | 9.41% | 9.63% | 9.64% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.10% | 75.78% | 77.39% | 80.90% | 79.97% | 79.31% | 79.05% | 81.87% | +98 bps | |
| Liquid Assets / Assets | 6.81% | 5.31% | 4.10% | 0.98% | 2.83% | 4.00% | 4.06% | 2.77% | +179 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 334% | 338% | 328% | n/a | n/a | |