Based on a comparison of 13 banks in Croatia in 2017, Istarska Kreditna Banka Umag operated with the lowest loan to deposit ratio, followed by Croatia Banka and Hrvatska Postanska Banka.

Istarska Kreditna Banka Umag's loan to deposit ratio reached 53.2% at the end of 2017, down from 53.6% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 70.4% in 2008 and an all time low of 53.2% in 2017.

When compared to the nearest peers, Croatia Banka ended the year 2017 with loans to deposits at 55.1%, Hrvatska Postanska Banka with 66.3% and Addiko Bank Croatia some 66.4% of loans to deposits at the end of 2017.