Itasca Bank & Trust Co.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 8.20 percentage points lower than in Q1 2026, at 503.33%. Itasca Bank & Trust Co. ranks 167th of 323 Illinois banks on return on assets, in the lower half at 1.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Itasca Bank & Trust Co. sits 0.09 points lower, at 1.16% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.58% |
| Equity capital to assets | 9.64% |
| Tangible equity to tangible assets | 9.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.28% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 1.93% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | 503.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 12.25% |
| Net interest margin | 4.12% |
| Efficiency ratio | 61.54% |
| Yield on earning assets | 5.69% |
| Cost of funds | 1.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.87% |
| Core deposits to total deposits | 82.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.74% |
| Securities to assets | 20.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.66% | 0.74% | 3.50% | 0.27% | -0.01% |
| Q4 2023 | 9.70% | 0.62% | 3.46% | 0.25% | -0.13% |
| Q1 2024 | 9.76% | 0.87% | 3.41% | 0.23% | 0.01% |
| Q2 2024 | 9.79% | 0.99% | 3.45% | 0.21% | -0.01% |
| Q3 2024 | 9.89% | 1.03% | 3.46% | 0.00% | 0.07% |
| Q4 2024 | 9.66% | 0.89% | 3.34% | 0.00% | -0.01% |
| Q1 2025 | 9.95% | 0.80% | 3.46% | 0.06% | 0.08% |
| Q2 2025 | 10.29% | 1.08% | 3.78% | 0.11% | 0.00% |
| Q3 2025 | 10.45% | 1.16% | 3.99% | 0.18% | 0.00% |
| Q4 2025 | 10.28% | 1.13% | 4.06% | 0.33% | 0.00% |
| Q1 2026 | 10.49% | 1.02% | 3.92% | 0.29% | 0.00% |
| Q2 2026 | 10.58% | 1.16% | 4.12% | 0.28% | 0.06% |
Itasca Bank & Trust Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Itasca Bank & Trust Co., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Itasca Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16666) · FFIEC NIC profile (RSSD 812436)