Itasca Bank & Trust Co.

Headquarters: Itasca, Illinois
Charter: Bank
Assets: $770.8M
Fed district: Chicago
Regulator: FDIC
Holding company: Itasca Bancorp Inc.

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for Itasca Bank & Trust Co. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Itasca Bank & Trust Co.'s published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Itasca Bank & Trust Co. (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $219K in Q2 2026, 0.9% above the same quarter a year earlier ($217K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Interest Checking
Can be waived with a balance of $1,000 or more.
Itasca Bank & Trust Co.: $10
Itasca Bank & Trust Co.: $10
U.S. median: no median
Overdraft (OD)
Itasca Bank & Trust Co.: $33
Itasca Bank & Trust Co.: $33
U.S. median: no median
Non-Network ATM
Itasca Bank & Trust Co.: $1
Itasca Bank & Trust Co.: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Illinois: Banks and credit unions headquartered in Illinois that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 7.6% from Q3 2025 to Q2 2026, to $219K.

Service-charge income, Q2 2026

$219K

$237KQ3 2025

$237KQ4 2025

$231KQ1 2026

$219KQ2 2026

Against the median

Itasca Bank & Trust Co.Median

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Itasca Bank & Trust Co. · $771M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$745M to $793M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Itasca Bank & Trust Co.(this institution)	Itasca, IL	$771M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
BAC Community Bank	Stockton, CA	$762M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
CFSBANK	Charleroi, PA	$773M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
City State Bank	Norwalk, IA	$788M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Clinton Savings Bank	Clinton, MA	$745M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Commerce Bank	Laredo, TX	$762M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Community Bank	Chatsworth, GA	$755M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Savings Bank of Hegewisch	Chicago, IL	$787M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First Western Bank	Booneville, AR	$793M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
FNB Bank, Inc.	Mayfield, KY	$770M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Franklin Savings Bank	Farmington, ME	$787M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Harford Bank	Aberdeen, MD	$777M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Home State Bank, National Association	Crystal Lake, IL	$776M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Industrial Bank	Washington, DC	$774M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
MidSouth Bank	Dothan, AL	$771M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Midwest Heritage Bank, FSB	West Des Moines, IA	$768M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Millennium Bank	Ooltewah, TN	$781M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mission Valley Bank	Sun Valley, CA	$782M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
People's Bank of Commerce	Medford, OR	$777M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Quontic Bank	Astoria, NY	$787M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sauk Valley Bank & Trust Company	Sterling, IL	$791M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Savers Co-operative Bank	Southbridge, MA	$783M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Bank of Canton	Canton, MA	$783M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Peoples Bank, Biloxi, Mississippi	Biloxi, MS	$771M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
United Valley Bank	Cavalier, ND	$752M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
West Plains Bank and Trust Company	West Plains, MO	$768M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.77 (22%) above the median of similar-sized banks.

Its published price is $10, against a peer median of $8.23 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Itasca Bank & Trust Co.Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Itasca Bank & Trust Co. (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $219K
vs prior quarter: −$12K−5.2%; from Q1 2026
vs a year earlier: +$2K+0.9%; from Q2 2025
vs start of range: −$8K−3.5%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Itasca Bank & Trust Co. (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$219K	−$12K	−5.2%
Q1 2026	$231K	−$6K	−2.5%
Q4 2025	$237K	$0	0.0%
Q3 2025	$237K	+$20K	+9.2%
Q2 2025	$217K	−$2K	−0.9%
Q1 2025	$219K	−$12K	−5.2%
Q4 2024	$231K	+$4K	+1.8%
Q3 2024	$227K	+$9K	+4.1%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Itasca Bank & Trust Co.’s own schedules, with a source for each figure.

Account Maintenance

Interest Checking Monthly service charge$10
per month
Account Closed Within 180 Days$50
Dormant Fee - Checking & Savings Accounts (After 18 months)$6
per month
Account Reconciliation & Research$35
Not compared: Charged per hour; comparison unavailable
per hour
Paper statements$4
per month
Excess Activity Fee$10
per transaction

Overdraft & NSF

Overdraft/Non-Sufficient Funds (NSF) Charge$33
per item

ATM & Card

Foreign ATM transaction$1
per transaction
ATM/Debit Card Replacement$15
per item
Expedited Debit Card$30
per item

Wire Transfers

Wire Transfers: Outgoing Domestic$30
per item
Wire Transfers: Incoming$12
per item
Wire Transfers: Outgoing International$50
per item

Check Services

Cashier's Checks (Customer)$5
per item
Cashier's Checks (Non-Customer)$10
per item
Money Orders (Customer)$3
per item
Money Orders (Non-Customer)$5
per item
Stop Payment$30
per item
Temporary Checks$1
per item

Digital & Electronic

Online Bill Payment$30
Not compared: Per-item charge, not monthly
per item
Itasca Bank Mobile DepositNo charge
Mobile Deposit Service (audience not stated, treated as personal)No charge

Cash & Deposit

Return Deposited Item Fee$4.50
per item

Account Services

Notary Services (IBT Customers Only)No charge
10" X 15" X 22" (Itasca Branch Only)$150
Late Payment Fee$10
Not compared: Box drilling or key fee
Lost Key Charge$50
Not compared: Box drilling or key fee
Safe Deposit Box 10" X 10" X 22"$110
Safe Deposit Box 3" X 10" X 22"$65
Safe Deposit Box 3" X 5" X 22"$45
Safe Deposit Box 5" X 10" X 22"$75
Safe Deposit Box 5" X 5" X 22"$55
Safe Deposit Box Drilling$160
Not compared: Box drilling or key fee

Other Fees

Photocopies$0.25
per item
Research Statement Copies$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Interest Checking Monthly service charge	$10	per month	None
Account Closed Within 180 Days	$50	Not stated	None
Dormant Fee - Checking & Savings Accounts (After 18 months)	$6	per month	None
Account Reconciliation & Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statements	$4	per month	None
Excess Activity Fee	$10	per transaction	None
Overdraft & NSF
Overdraft/Non-Sufficient Funds (NSF) Charge	$33	per item	None
ATM & Card
Foreign ATM transaction	$1	per transaction	None
ATM/Debit Card Replacement	$15	per item	None
Expedited Debit Card	$30	per item	None
Wire Transfers
Wire Transfers: Outgoing Domestic	$30	per item	None
Wire Transfers: Incoming	$12	per item	None
Wire Transfers: Outgoing International	$50	per item	None
Check Services
Cashier's Checks (Customer)	$5	per item	None
Cashier's Checks (Non-Customer)	$10	per item	None
Money Orders (Customer)	$3	per item	None
Money Orders (Non-Customer)	$5	per item	None
Stop Payment	$30	per item	None
Temporary Checks	$1	per item	None
Digital & Electronic
Online Bill Payment	$30Not compared: Per-item charge, not monthly	per item	None
Itasca Bank Mobile Deposit	No charge	Not stated	None
Mobile Deposit Service (audience not stated, treated as personal)	No charge	Not stated	None
Cash & Deposit
Return Deposited Item Fee	$4.50	per item	None
Account Services
Notary Services (IBT Customers Only)	No charge	Not stated	None
10" X 15" X 22" (Itasca Branch Only)	$150	Not stated	None
Late Payment Fee	$10Not compared: Box drilling or key fee	Not stated	None
Lost Key Charge	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10" X 10" X 22"	$110	Not stated	None
Safe Deposit Box 3" X 10" X 22"	$65	Not stated	None
Safe Deposit Box 3" X 5" X 22"	$45	Not stated	None
Safe Deposit Box 5" X 10" X 22"	$75	Not stated	None
Safe Deposit Box 5" X 5" X 22"	$55	Not stated	None
Safe Deposit Box Drilling	$160Not compared: Box drilling or key fee	Not stated	None
Other Fees
Photocopies	$0.25	per item	None
Research Statement Copies	$5	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Overdraft & NSF

Overdraft/Non-Sufficient Funds (NSF) Charge$35
per item
Sustained Overdraft (OD) Charge$6
per day

Fee	Amount	Basis	Note
Overdraft & NSF
Overdraft/Non-Sufficient Funds (NSF) Charge	$35	per item	None
Sustained Overdraft (OD) Charge	$6	per day	None

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Itasca Bank & Trust Co. operates, and what regulators and customers have on file.

Market position

In Chicago-Naperville-Elgin, IL-IN, Itasca Bank & Trust Co. holds 0.1% of bank deposits, #58 of 147, with 2 offices.

Compare fees with the 140 Chicago-Naperville-Elgin, IL-IN banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 25 institutions shown.

Itasca Bank & Trust Co.Other banksCredit unions

Showing 900 of 2,460 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Chicago-Naperville-Elgin, IL-IN metro (FDIC metro code 16980), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 36 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1JPMorgan Chase Bank, National Association20.4%
2BMO Bank National Association16.9%
3CIBC Bank USA7.8%
4Bank of America, National Association6.6%
5The Northern Trust Company6.5%
6Fifth Third Bank, National Association4.4%
7PNC Bank, National Association3.1%
8Old National Bank3.0%
58Itasca Bank & Trust Co.0.1%

9 of 147 institutions shown. $630.7B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Chicago-Naperville-Elgin, IL-IN metro (FDIC metro code 16980)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.1% share, 2 offices, #58 of 147

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Chicago-Naperville-Elgin, IL-IN metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

357 offices of 133 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

None on file with the Federal Reserve and Illinois Department of Financial and Professional Regulation

The Federal Reserve and Illinois Department of Financial and Professional Regulation have no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve and Illinois Department of Financial and Professional Regulation, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

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