PackageTrendsPeer
Letter portraitLegal landscape

Time Bank

Park Ridge, IL · Cert 34038 · Community Bank Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

89

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Time Bank

Park Ridge, IL · Cert 34038 · Community Bank Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$712.8MAssets
$520.6MLoans
$608.2MDeposits
$96.7MEquity
Loan mix
96%RE $377.5M4%C&I $16.0M0%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $459.4M24%Noninterest $148.8MQ2 2025Q2 2026

NIM

6.24%Q2 ’245.74%Q2 ’255.52%Q2 ’26-5%+3%

Non-interest income vs. expense

1.97%Q2 ’242.32%Q2 ’252.28%Q2 ’26+7%+1%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #70 of 147 inst. · $0.5B of $630.7B

0.1% Cook
2.6% Scott

Executive Summary

  • Earnings: ROA of 1.59%, up 7 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 1.75% of loans (+78 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.91%, up 101 bps from a year ago.
  • Funding: loans stand at 85.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.59%+7 bps YoY

Net Interest Margin (YTD, annualized)

4.25%+12 bps YoY

Efficiency Ratio (YTD, annualized)

46.06%-130 bps YoY

Tier 1 Leverage Ratio

11.91%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.52%1.51%1.57%1.47%1.59%+7 bps
Return on Equity12.35%12.16%12.43%11.09%11.91%-44 bps
Net Interest Margin4.13%4.09%4.24%4.22%4.25%+12 bps
Efficiency Ratio47.36%47.95%47.92%48.31%46.06%-130 bps
Non-Interest Burden1.96%1.98%2.03%2.08%1.99%+3 bps
Growth
Asset Growth (YoY)51.96%47.31%-2.41%3.77%1.27%-5,069 bps
Loan Growth (YoY)28.73%32.00%8.41%2.29%12.33%-1,640 bps
Deposit Growth (YoY)58.54%53.74%-2.74%4.74%1.06%-5,747 bps
Asset Quality
Nonperforming Loans / Loans0.98%1.24%0.92%1.28%1.75%+78 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.83%1.77%1.80%1.90%1.78%-5 bps
Allowance Coverage of NPLs1.9x1.4x2.0x1.5x1.0x-0.9x
Capital
Tier 1 Leverage Ratio10.89%10.94%11.59%11.71%11.91%+101 bps
Total Risk-Based Capital10.89%10.94%11.59%11.71%11.91%+101 bps
Equity / Assets12.61%12.82%13.47%13.00%13.57%+95 bps
Liquidity & Funding
Loans / Deposits77.00%80.16%83.14%76.00%85.59%+859 bps
Liquid Assets / Assets17.11%15.20%14.23%18.46%10.66%-645 bps
CRE / Total Capitaln/a359%348%343%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Time Bank

Park Ridge, IL · Cert 34038 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Community Bank Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$712.8MAssets
$520.6MLoans
$608.2MDeposits
$96.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 46 of 57).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.59%

Rank 7 of 57

Net Interest Margin

4.25%

Rank 7 of 57

Efficiency Ratio

51.19%

Rank 7 of 57

Equity / Assets

13.57%

Rank 23 of 57

Non-interest income vs. expense

$2.1M$16.4MINCOMEEXPENSE
Unfavorable gap of $14.3M · efficiency ratio beats 89% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 51.19%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.59%0.51%0.84%1.19%Beats 88%7 / 57
Return on Equity11.70%3.13%7.76%11.40%Beats 77%13 / 57
Net Interest Margin4.25%3.16%3.63%4.08%Beats 88%7 / 57
Efficiency Ratio51.19%59.57%69.70%81.06%Beats 89%7 / 57
Asset Quality
Nonperforming Loans / Loans1.75%0.06%0.34%1.78%Beats 27%42 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio11.91%12.24%16.06%19.69%Beats 21%45 / 57
Total Risk-Based Capital Ratio11.91%12.54%16.50%20.95%Beats 19%46 / 57
Equity / Assets13.57%9.37%11.56%15.00%Beats 60%23 / 57
Liquidity & Funding
Loans / Deposits85.59%66.29%85.59%95.16%49th pctl29 / 57
Loans / Assets73.04%57.07%71.07%78.13%56th pctl25 / 57
Brokered Deposits / Depositsn/aNot reported for this institution