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
Unfavorable gap of $14.3M · efficiency ratio beats 89% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.59% | 0.51% | 0.84% | 1.19% | Beats 88% | 7 / 57 | | |
| Return on Equity | 11.70% | 3.13% | 7.76% | 11.40% | Beats 77% | 13 / 57 | | |
| Net Interest Margin | 4.25% | 3.16% | 3.63% | 4.08% | Beats 88% | 7 / 57 | | |
| Efficiency Ratio | 51.19% | 59.57% | 69.70% | 81.06% | Beats 89% | 7 / 57 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.75% | 0.06% | 0.34% | 1.78% | Beats 27% | 42 / 56 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | | |
| Capital |
| Tier 1 Capital Ratio | 11.91% | 12.24% | 16.06% | 19.69% | Beats 21% | 45 / 57 | | |
| Total Risk-Based Capital Ratio | 11.91% | 12.54% | 16.50% | 20.95% | Beats 19% | 46 / 57 | | |
| Equity / Assets | 13.57% | 9.37% | 11.56% | 15.00% | Beats 60% | 23 / 57 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.59% | 66.29% | 85.59% | 95.16% | 49th pctl | 29 / 57 | | |
| Loans / Assets | 73.04% | 57.07% | 71.07% | 78.13% | 56th pctl | 25 / 57 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |