BlastPoint's Banking Scorecard

Itasca Bank & Trust Co.

$100M-$1B Specialty: Commercial IL FDIC cert 16666

Itasca, IL

2 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +3.6% year over year ($691.7M on the books).
Delinquency rate 0.29%.
Return on assets 1.10%.
Efficiency ratio 63.02% vs a 64.48% peer average.
Loan-to-deposit ratio 80.72% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Itasca Bank & Trust Co. has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.12% above tier average
+ Efficiency Ratio 1.46% below tier average
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 22.1% in tier
- Credit Quality Pressure: Bottom 29.3% in tier
- Capital Thin: Bottom 46.0% in tier
- ROA 0.22% below tier average

Get updates when Itasca Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$770.8M +4.1% YoY +0.7% QoQ	+$384.2M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 9.5% in tier
Total Loans ?	$558.3M +4.8% YoY +4.4% QoQ	+$300.0M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 7.6% in tier
Total Deposits ?	$691.7M +3.6% YoY +0.8% QoQ	+$365.0M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 7.5% in tier
Return on Assets ?	1.10% +16.3% YoY +7.0% QoQ	-0.22%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	41%
Net Interest Margin ?	4.11% +10.9% YoY +2.6% QoQ	+0.12%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	59%
Efficiency Ratio ?	63.02% -7.1% YoY -2.1% QoQ	-1.46%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	48%
Delinquency Rate ?	0.29% +148.3% YoY -1.8% QoQ	-0.63%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	58%
Loan-to-Deposit Ratio ?	80.72% +1.2% YoY +3.6% QoQ	+2.76%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	48%
Non-Interest-Bearing Deposit Share ?	27.20% -3.3% YoY -4.0% QoQ	+5.17%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	74%
Nonperforming Asset Ratio ?	0.21% +150.0% YoY +1.9% QoQ	-0.46%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	60%
Tier 1 Capital Ratio ?	10.58% +2.8% YoY +0.9% QoQ	-5.33%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.27% +3.8% YoY +104.1% QoQ	-0.30%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	67%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	27.2% -0.9pp YoY -1.1pp QoQ	+5.1pp	22.1%	20.1%	22.2%	74%
Brokered Deposits	0.0% 0.0pp YoY 0.0pp QoQ	-7.9pp	7.9%	8.0%	8.5%	1%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	30.7% -2.3pp YoY -1.7pp QoQ	+19.1pp	11.6%	14.7%	12.5%	96%
CRE	51.3% +2.7pp YoY +1.2pp QoQ	+11.7pp	39.5%	37.9%	41.4%	72%
1-4 Family	18.1% -0.6pp YoY +0.6pp QoQ	-14.5pp	32.6%	28.3%	31.3%	26%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	5.4%	5.0%	6%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	10.6% +0.3pp YoY +0.1pp QoQ	-1.6pp	12.2%	12.2%	12.6%	43%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	101 -1 (-1.0%) YoY +7 (+7.4%) QoQ	+42	58	228	482	87%
Assets per Employee ($)	$7.6M +5.1% YoY -6.3% QoQ	+$113K	$7.5M	$8.3M	$8.8M	63%
Branch Count	2 0 YoY 0 QoQ	-3	4	10	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.3% +0.2pp YoY 0.0pp QoQ	-0.7pp	0.9%	1.1%	1.0%	37%
Allowance Coverage	5.03x -58.1% YoY -1.6% QoQ	-19.12x	24.15x	5.62x	20.23x	71%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	61%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	11.6% +0.7pp YoY +0.7pp QoQ	-0.6pp	12.2%	10.5%	11.6%	47%
Cost of Funds (YTD)	1.6% -0.2pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	42%
Net Income ($, YTD)	$4.3M +18.3% YoY — QoQ	+$1.7M	$2.6M	$11.7M	$40.4M	82%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk

#208 of 936 • Bottom 22.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#369 of 1256 • Bottom 29.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.29%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Capital Thin

risk

#305 of 661 • Bottom 46.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.58%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

199

Total Deposits

size

Value: $691.70M

Peer Median: $326.73M

#199 of 2643 Top 7.5% in $100M-$1B

202

Total Loans

size

Value: $558.31M

Peer Median: $258.35M

#202 of 2643 Top 7.6% in $100M-$1B

251

Total Assets

size

Value: $770.77M

Peer Median: $386.57M

#251 of 2643 Top 9.5% in $100M-$1B

Top Weaknesses (1 metrics)

2172

Tier 1 Capital Ratio

capital

Value: 10.58%

Peer Median: 15.91%

#2172 of 2643 Bottom 17.9% in $100M-$1B