| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.9% | -0.8 pts |
| Deposit growth (YoY) | +3.6% | +4.3% | -0.7 pts |
| Loan growth (YoY) | +4.8% | +5.3% | -0.5 pts |
| ROA | 1.10% | 1.28% | -0.2 pts |
| ROE | 11.6% | 12.4% | -0.9 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $770.8M | $691.7M | $558.3M | $74.3M | $4.3M | 1.10% | 4.11% | 0.21% |
| Q1 2026 | $765.5M | $686.4M | $534.7M | $73.7M | $2.0M | 1.03% | 4.01% | 0.20% |
| Q4 2025 | $776.7M | $699.0M | $546.7M | $73.1M | $8.0M | 1.05% | 3.91% | 0.23% |
| Q3 2025 | $756.1M | $680.4M | $536.7M | $71.4M | $5.8M | 1.02% | 3.83% | 0.13% |
| Q2 2025 | $740.4M | $667.4M | $532.5M | $68.8M | $3.6M | 0.95% | 3.71% | 0.08% |
| Q1 2025 | $761.5M | $690.0M | $526.8M | $66.5M | $1.5M | 0.80% | 3.53% | 0.05% |
| Q4 2024 | $772.0M | $703.3M | $525.6M | $64.2M | $7.2M | 0.96% | 3.52% | 0.00% |
| Q3 2024 | $771.7M | $700.8M | $519.0M | $66.2M | $5.5M | 0.97% | 3.54% | 0.00% |
Loan mix (Q2 2026): real estate $389.2M · commercial $171.1M · consumer $546K · securities $158.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Itasca Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.28% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 61.2% | 56th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Itasca Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Itasca Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Itasca Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Itasca Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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