Itasca Bank & Trust Co.
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Data as of · sourced from FFIEC call reports. How we update
Itasca Bank & Trust Co. is an FDIC-insured commercial bank headquartered in Itasca, IL, established in 1948 (FDIC certificate 16666), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $770.8M, up 4.1% from Q2 2025, the 66th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.58% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16666
- Headquarters
- Itasca, IL
- Established
- 1948
- Total assets, Q2 2026
- $770.8M
- Assets vs Q2 2025
- +4.1%
- Tier 1 leverage ratio, Q2 2026
- 10.58%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071922175
- Holding company
- ITASCA BANCORP INC.
- Asset rank in state
- 66th of 319 in Illinois
Little in Itasca Bank & Trust Co.'s latest call report stands out. It reported $771 million in assets at June 30, 2026, up 4.1% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
The commercial and industrial book ($171 million) is worsening: 1.04% of it is past due or on nonaccrual, up from 0.15% a year earlier. Net income for the quarter rose 10% from a year earlier, to $2.3 million. One more trend to watch: problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.28% of loans, against 0.11% a year earlier.
As of June 30, 2026, Itasca Bank & Trust Co. reported a return on assets of 1.16%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 1.93%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Itasca Bank & Trust Co. is the 66th largest of the 319 banks headquartered in Illinois. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.7% to $770.8M, loans rose 4.4% and deposits rose 0.8%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 30.2% of total loans, followed by owner-occupied commercial real estate loans at 19.5%. Its 2 offices in the FDIC Summary of Deposits are in Itasca, IL and Roselle, IL; its Itasca office books 85% of its branch deposits. Judged on its Q2 2026 call report, Itasca Bank & Trust Co. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 308 W Irving Park Rd, Itasca, IL 60143
- County
- Dupage
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 24, 1948
- Former names
- The Itasca State Bank (1977-1978)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 101
- Domestic deposits
- $691.7M
- Allowance for credit losses
- $8.0M
- Net charge-offs (YTD)
- $91K
- Average total assets
- $778.6M
- Average total loans
- $560.9M
- Average interest-bearing deposits
- $490.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 24, 1948
- FDIC Cert
- 16666
- Fed RSSD
- 812436
- SEC CIK
- 1466672 → filed by ITASCA BANCORP INC.
- Website
- http://www.itascabank.com →
- Parent Holding Company
- ITASCA BANCORP INC. (RSSD 1209695)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Itasca Bank & Trust Co. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Itasca Bank & Trust Co.'s total assets ran between $732.1M (Q3 2023) and $776.7M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$770.8M total assets against $740.4M; $696.5M total liabilities against $671.6M.
$558.3M net loans and leases against $532.5M; $691.7M total deposits against $667.4M.
$158.6M securities against $165.8M; $26.7M cash and balances due against $14.3M.
$10.7M total interest income against $10.1M; $3.0M total interest expense against $3.1M.
$7.8M net interest income against $7.0M.
$1.1M total noninterest income against $1.0M; $5.5M total noninterest expense against $5.2M.
$265K provision for credit losses against $0.
$2.3M net income against $2.1M.
1.16% return on assets against 1.08%; 4.12% net interest margin against 3.78%.
10.58% tier 1 leverage ratio against 10.29%.
Inside the full Itasca Bank & Trust Co. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeItasca Bank & Trust Co. rankings
Its closest position to the top of a national ranking is 1,285 of 4,196, for total assets; its furthest is 2,280 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.80% (Q1 2025) to 1.16% (Q2 2026) and its net interest margin ran from 3.34% (Q4 2024) to 4.12% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.58% | 1.16% | 0.28% | 1.93% | 4.12% |
| Q1 2026 | 10.49% | 1.02% | 0.29% | 1.90% | 3.92% |
| Q4 2025 | 10.28% | 1.13% | 0.33% | 2.26% | 4.06% |
| Q3 2025 | 10.45% | 1.16% | 0.18% | 1.25% | 3.99% |
| Q2 2025 | 10.29% | 1.08% | 0.11% | 0.80% | 3.78% |
| Q1 2025 | 9.95% | 0.80% | 0.06% | 0.47% | 3.46% |
| Q4 2024 | 9.66% | 0.89% | 0.00% | 0.00% | 3.34% |
| Q3 2024 | 9.89% | 1.03% | 0.00% | 0.00% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Itasca Bank & Trust Co. (main office) | Itasca , IL | 60143 | $585.6M |
| Roselle Il Branch | Roselle , IL | 60172 | $106.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 80 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 72 applications, 64 loans originated, $60.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $650K approved, $325K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Itasca Bank & Trust Co.
What are Itasca Bank & Trust Co.'s total assets?
As of the Q2 2026 filing, Itasca Bank & Trust Co. reported total assets of $770.8 million in its FFIEC call report.
Where is Itasca Bank & Trust Co. headquartered?
It is headquartered in Itasca, IL, United States.
When was Itasca Bank & Trust Co. founded?
It was established in 1948, per the FDIC institution directory.
Is Itasca Bank & Trust Co. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16666). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Itasca Bank & Trust Co.?
Itasca Bank & Trust Co.'s primary federal regulator is the FDIC.
How many branches does Itasca Bank & Trust Co. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Itasca Bank & Trust Co.'s Texas Ratio?
Its Texas Ratio is 1.93% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Itasca Bank & Trust Co. previously called?
The charter now named Itasca Bank & Trust Co. has also operated as The Itasca State Bank (1977-1978), per FDIC structure-change records.
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