BlastPoint's Banking Scorecard
Time Bank
Community
Specialty: Commercial
IL
FDIC cert 34038
Park Ridge, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Time Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.83% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 6% in Community
- - Deposit Outflow: Bottom 45% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$693.3M
-2.4% YoY
-2.3% QoQ
|
-$698.2M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$479.4M
+8.4% YoY
+0.9% QoQ
|
-$496.1M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$587.2M
-2.7% YoY
-2.7% QoQ
|
-$577.4M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.99%
-2.3% YoY
+3.6% QoQ
|
+0.83% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.36%
+6.1% YoY
+1.7% QoQ
|
+0.70% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
47.92%
-2.8% YoY
-0.1% QoQ
|
-14.71% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.94%
+88.2% YoY
-25.9% QoQ
|
+0.31% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
81.64%
+11.5% YoY
+3.7% QoQ
|
-1.42% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
23.72%
-0.2% YoY
+7.2% QoQ
|
+2.67% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.65%
+109.0% YoY
-23.5% QoQ
|
+0.15% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.38%
+288.1% YoY
+52.9% QoQ
|
-0.36% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 9%
in Community
Why this stands out
Current:
1.99%
(Tier avg: 1.16%, National avg: 1.12%)
Concerns (2)
Capital Thin
risk
#25 of 432 · Bottom 6% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#111 of 248 · Bottom 45% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Return on Assets
Current: 1.99% · Tier avg: 1.16%
87
87th pctile
Efficiency Ratio
Current: 47.92% · Tier avg: 62.63%
83
83th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.66%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.72% · Tier avg: 21.05%
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.64% · Tier avg: 83.06%
32
32th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Total Loans
Current: $479.4M · Tier avg: $975.5M
27
27th pctile
Delinquency Rate
Current: 0.94% · Tier avg: 0.63%
26
26th pctile
Total Assets
Current: $693.3M · Tier avg: $1.4B
26
26th pctile
Total Deposits
Current: $587.2M · Tier avg: $1.2B
Top Weaknesses
26
26th pctile
Total Deposits
Current: $587.2M · Tier avg: $1.2B
26
26th pctile
Total Assets
Current: $693.3M · Tier avg: $1.4B
27
27th pctile
Delinquency Rate
Current: 0.94% · Tier avg: 0.63%
28
28th pctile
Total Loans
Current: $479.4M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.50%
32
32th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.64% · Tier avg: 83.06%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.72% · Tier avg: 21.05%
83
83th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.66%
87
87th pctile
Efficiency Ratio
Current: 47.92% · Tier avg: 62.63%
91
91th pctile
Return on Assets
Current: 1.99% · Tier avg: 1.16%