BlastPoint's Banking Scorecard

Itasca Bank & Trust Co.

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

Itasca, IL

2 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Itasca Bank & Trust Co. has 3 strengths but faces 5 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 0.08% above tier average
+ Efficiency Ratio 0.94% below tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.0% in tier
- Capital Thin: Bottom 19.1% in tier
- Credit Quality Pressure: Bottom 33.5% in tier
- Flatlined Growth: Bottom 42.4% in tier
- ROA 0.24% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$765.5M +0.5% YoY -1.4% QoQ	+$379.4M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 9.9% in tier
Total Loans ?	$534.7M +1.5% YoY -2.2% QoQ	+$278.9M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Top 8.7% in tier
Total Deposits ?	$686.4M -0.5% YoY -1.8% QoQ	+$358.4M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 7.7% in tier
Return on Assets ?	1.03% +28.3% YoY -2.0% QoQ	-0.24%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	4.01% +13.4% YoY +2.5% QoQ	+0.08%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	57%
Efficiency Ratio ?	64.35% -9.7% YoY -0.5% QoQ	-0.94%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	47%
Delinquency Rate ?	0.29% +342.2% YoY -12.9% QoQ	-0.60%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	57%
Loan-to-Deposit Ratio ?	77.90% +2.0% YoY -0.4% QoQ	+1.26%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	28.34% +6.0% YoY +2.5% QoQ	+6.32%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.20% +346.5% YoY -13.6% QoQ	-0.44%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	10.49% +5.4% YoY +2.0% QoQ	-5.34%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.13% +11.3% YoY -74.7% QoQ	-0.15%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	68%

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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 (4)

Credit Risk Growth

risk

#79 of 973 • Bottom 8.0% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Capital Thin

risk

#128 of 666 • Bottom 19.1% 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: 10.49%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#439 of 1308 • Bottom 33.5% 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: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#218 of 512 • Bottom 42.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.03%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

207

Total Deposits

size

Value: $686.37M

Peer Median: $327.97M

#207 of 2664 Top 7.7% in $100M-$1B

234

Total Loans

size

Value: $534.66M

Peer Median: $255.72M

#234 of 2664 Top 8.7% in $100M-$1B

264

Total Assets

size

Value: $765.48M

Peer Median: $386.08M

#264 of 2664 Top 9.9% in $100M-$1B

602

Non-Interest-Bearing Deposit Share

funding

Value: 28.34%

Peer Median: 22.02%

#602 of 2664 Top 22.6% in $100M-$1B

Top Weaknesses (1 metrics)

2238

Tier 1 Capital Ratio

capital

Value: 10.49%

Peer Median: 15.83%

#2238 of 2664 Bottom 16.0% in $100M-$1B