Itasca Bank & Trust Co.: how it compares with its peers
Against 80 IL banks with half to twice its assets, Itasca Bank & Trust Co.'s strongest measure in Q2 2026 is net interest margin (4.11% vs. a 3.65% peer median). Its weakest relative measure is return on assets (1.10% vs. 1.13%).
| Measure | Itasca Bank & Trust Co. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.10% | 1.13% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.11% | 3.65% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.02% | 62.58% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $7.7M | Middle third Ahead of 49% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.72% | 77.57% | Context |
What it means for lending operations
Its efficiency ratio of 63.02% is above the 62.58% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Home State Bank, National Association Crystal Lake, IL · $776M
- First Savings Bank of Hegewisch Chicago, IL · $787M
- Sauk Valley Bank & Trust Company Sterling, IL · $791M
- The Peoples State Bank of Newton, Illinois Newton, IL · $737M
- Midwest Bank Monmouth, IL · $736M
- First Neighbor Bank, National Association Toledo, IL · $736M
Questions about Itasca Bank & Trust Co.
How big is Itasca Bank & Trust Co.?
Itasca Bank & Trust Co., established in 1948, is headquartered in Itasca, IL. It reported $771M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Itasca Bank & Trust Co.'s return on assets?
1.10% annualized in Q2 2026, against a 1.13% median for 80 IL banks with half to twice its assets, ahead of 45% of them.
What is Itasca Bank & Trust Co.'s efficiency ratio?
63.02% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 62.58%, and lower is better.
Is Itasca Bank & Trust Co. growing its loans?
Net loans grew 4.8% over the year to Q2 2026, while deposits grew 3.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.