TellerScore

Headquartered in Itasca, Illinois, Itasca Bank & Trust Co. is a state-chartered bank with $770.8M in total assets and $691.7M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1948.

Itasca Bank & Trust Co. has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 153rd. Problem-loan coverage contributes the most (96/100, 1.9%); capital cushion contributes the least (56/100, 10.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.58%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.28%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 80.7% · 29.7% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.93%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 71).

TellerScore
697172Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202472
Q4 202471
Q1 202570
Q2 202571
Q3 202571
Q4 202570
Q1 202671
Q2 202671
Tier 1 leverage ratio
5.00%7.79%10.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.79%
Q3 20249.89%
Q4 20249.66%
Q1 20259.95%
Q2 202510.29%
Q3 202510.45%
Q4 202510.28%
Q1 202610.49%
Q2 202610.58%
Noncurrent loans
0.00%0.16%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.21%
Q3 20240.00%
Q4 20240.00%
Q1 20250.06%
Q2 20250.11%
Q3 20250.18%
Q4 20250.33%
Q1 20260.29%
Q2 20260.28%
Return on assets
0.80%0.95%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20240.97%
Q4 20240.96%
Q1 20250.80%
Q2 20250.95%
Q3 20251.02%
Q4 20251.05%
Q1 20261.03%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$770.8M10.58%0.28%1.10%80.7%
Q1 202671$765.5M10.49%0.29%1.03%77.9%
Q4 202570$776.7M10.28%0.33%1.05%78.2%
Q3 202571$756.1M10.45%0.18%1.02%78.9%
Q2 202571$740.4M10.29%0.11%0.95%79.8%
Q1 202570$761.5M9.95%0.06%0.80%76.3%
Q4 202471$772.0M9.66%0.00%0.96%74.7%
Q3 202472$771.7M9.89%0.00%0.97%74.1%
Q2 202469$748.2M9.79%0.21%0.94%77.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.58%
43rd
Total risk-based capital0.00%
24th
Problem loans0.28%
58th
Net charge-offs0.03%
33rd
Return on assets1.10%
41st
Net interest margin4.11%
60th
Efficiency ratio63.0%
48th
Loans to deposits80.7%
48th
Uninsured deposits29.7%
29th
Loan-loss reserves1.42%
73rd
Texas ratio1.9%
58th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Home State Bank, National AssociationBank Crystal Lake, IL82 out of 100, Strong$776.0M11.8%0.07%vs
First Savings Bank of HegewischBank Chicago, IL84 out of 100, Strong$787.0M14.9%0.06%vs
Sauk Valley Bank & Trust CompanyBank Sterling, IL57 out of 100, Moderate$790.8M8.8%0.87%vs
The Peoples State Bank of Newton, IllinoisBank Newton, IL81 out of 100, Strong$736.7M13.5%0.54%vs
Midwest BankBank Monmouth, IL66 out of 100, Moderate$736.4M8.8%0.32%vs
First Neighbor Bank, National AssociationBank Toledo, IL55 out of 100, Moderate$736.0M10.6%2.00%vs

Deposit insurance

Is my money safe at Itasca Bank & Trust Co.?

Yes. Itasca Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #16666). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.7% of deposits ($205.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Itasca Bank & Trust Co. lists 2 offices in 2 cities. Most locations:

  • Itasca, IL (1)
  • Roselle, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Itasca Bank & Trust Co. reported 71 home-loan applications under HMDA (LEI 254900UISKR0QR32CI62): 64 originated ($60,130,000 total), 3 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Itasca Bank & Trust Co.
Former names
The Itasca State Bank
Type
State-chartered bank
FDIC certificate #
16666
RSSD ID
812436
Primary regulator
FDIC
Holding company
Itasca Bcorp Inc
Established
January 24, 1948
Headquarters
308 W Irving Park Rd, Itasca, IL 60143
Employees
101

Quick answers

Itasca Bank & Trust Co.: common questions

Is Itasca Bank & Trust Co. FDIC insured?

Yes. Itasca Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #16666). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Itasca Bank & Trust Co.'s TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Itasca Bank & Trust Co. ever failed?

There is no failure record for FDIC certificate #16666 in the FDIC failed bank list.

How many branches does Itasca Bank & Trust Co. have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Itasca

InstitutionScoreAssetsCapitalProblem loansCompare
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