BlastPoint's Banking Scorecard

Time Bank

$100M-$1B Specialty: Commercial IL FDIC cert 34038

Park Ridge, IL

4 branches across IA · IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Time Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.60% above tier average
+ Net Interest Margin 0.42% above tier average
+ Efficiency Ratio 16.98% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 49.5% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$730.6M +3.8% YoY +5.4% QoQ	+$344.5M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 11.0% in tier
Total Loans ?	$468.7M +2.2% YoY -2.2% QoQ	+$213.0M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Top 14.0% in tier
Total Deposits ?	$628.6M +4.7% YoY +7.1% QoQ	+$300.7M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 10.8% in tier
Return on Assets ?	1.87% +0.4% YoY -6.2% QoQ	+0.60%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	84%
Net Interest Margin ?	4.35% +5.2% YoY -0.3% QoQ	+0.42%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	48.31% -0.5% YoY +0.8% QoQ	-16.98%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 12.9% in tier
Delinquency Rate ?	1.30% +205.5% YoY +39.2% QoQ	+0.42%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	74.56% -2.5% YoY -8.7% QoQ	-2.08%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	58%
Non-Interest-Bearing Deposit Share ?	23.36% +4.4% YoY -1.5% QoQ	+1.34%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	60%
Nonperforming Asset Ratio ?	0.84% +200.8% YoY +29.2% QoQ	+0.20%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	11.71% +12.9% YoY +1.1% QoQ	-4.12%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.07% -34.7% YoY -82.1% QoQ	-0.21%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	30%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#483 of 973 • Bottom 49.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

290

Total Deposits

size

Value: $628.63M

Peer Median: $327.97M

#290 of 2664 Top 10.8% in $100M-$1B

294

Total Assets

size

Value: $730.55M

Peer Median: $386.08M

#294 of 2664 Top 11.0% in $100M-$1B

344

Efficiency Ratio

profitability

Value: 48.31%

Peer Median: 65.29%

#344 of 2664 Top 12.9% in $100M-$1B

373

Total Loans

size

Value: $468.71M

Peer Median: $255.72M

#373 of 2664 Top 14.0% in $100M-$1B

434

Return on Assets

profitability

Value: 1.87%

Peer Median: 1.27%

#434 of 2664 Top 16.3% in $100M-$1B

648

Net Interest Margin

profitability

Value: 4.35%

Peer Median: 3.93%

#648 of 2664 Top 24.3% in $100M-$1B

Top Weaknesses (2 metrics)

2067

Delinquency Rate

credit_quality

Value: 1.30%

Peer Median: 0.89%

#2067 of 2654 Bottom 22.2% in $100M-$1B

2012

Nonperforming Asset Ratio

credit_quality

Value: 0.84%

Peer Median: 0.64%

#2012 of 2664 Bottom 24.5% in $100M-$1B