BlastPoint's Banking Scorecard
Itasca Bank & Trust Co.
Community
Specialty: Commercial
IL
FDIC cert 16666
Itasca, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Itasca Bank & Trust Co. faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 18% in Community
- - Credit Risk Growth: Bottom 30% in Community
- - Flatlined Growth: Bottom 47% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$776.7M
+0.6% YoY
+2.7% QoQ
|
-$614.7M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$546.7M
+4.0% YoY
+1.9% QoQ
|
-$428.8M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$699.0M
-0.6% YoY
+2.7% QoQ
|
-$465.6M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
1.05%
+10.0% YoY
+3.2% QoQ
|
-0.11% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
3.91%
+11.0% YoY
+2.2% QoQ
|
+0.24% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
64.66%
-2.1% YoY
-1.8% QoQ
|
+2.03% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
0.33%
+81.8% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
78.21%
+4.6% YoY
-0.9% QoQ
|
-4.85% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
27.64%
-1.5% YoY
-5.7% QoQ
|
+6.60% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.23%
+80.3% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.52%
+1.5% YoY
+37.1% QoQ
|
-0.22% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Capital Thin
risk
#77 of 432 · Bottom 18% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#195 of 642 · Bottom 30% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#115 of 245 · Bottom 47% in Community
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:
1.05%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.64% · Tier avg: 21.05%
66
66th pctile
Loan-to-Deposit Ratio
Current: 78.21% · Tier avg: 83.06%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
58
58th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
51
51th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
44
44th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
42
42th pctile
Efficiency Ratio
Current: 64.66% · Tier avg: 62.63%
38
38th pctile
Total Deposits
Current: $699.0M · Tier avg: $1.2B
36
36th pctile
Total Loans
Current: $546.7M · Tier avg: $975.5M
34
34th pctile
Total Assets
Current: $776.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Total Assets
Current: $776.7M · Tier avg: $1.4B
36
36th pctile
Total Loans
Current: $546.7M · Tier avg: $975.5M
38
38th pctile
Total Deposits
Current: $699.0M · Tier avg: $1.2B
42
42th pctile
Efficiency Ratio
Current: 64.66% · Tier avg: 62.63%
44
44th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
51
51th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
58
58th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
66
66th pctile
Loan-to-Deposit Ratio
Current: 78.21% · Tier avg: 83.06%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.64% · Tier avg: 21.05%