BlastPoint's Banking Scorecard

Time Bank

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

Park Ridge, IL

3 branches across IA · IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +1.1% year over year ($608.2M on the books).
Delinquency rate 1.78%.
Return on assets 2.02%.
Efficiency ratio 46.06% vs a 64.48% peer average.
Loan-to-deposit ratio 84.06% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (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 0.70% above tier average
+ Net Interest Margin 0.46% above tier average
+ Efficiency Ratio 18.42% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.87% above tier average

Get updates when Time Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$712.8M +1.3% YoY -2.4% QoQ	+$326.2M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 12.1% in tier
Total Loans ?	$511.3M +12.4% YoY +9.1% QoQ	+$252.9M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 10.5% in tier
Total Deposits ?	$608.2M +1.1% YoY -3.2% QoQ	+$281.5M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 11.6% in tier
Return on Assets ?	2.02% +4.9% YoY +8.4% QoQ	+0.70%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Top 12.8% in tier
Net Interest Margin ?	4.45% +4.9% YoY +2.2% QoQ	+0.46%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	77%
Efficiency Ratio ?	46.06% -2.8% YoY -4.7% QoQ	-18.42%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 10.2% in tier
Delinquency Rate ?	1.78% +79.5% YoY +36.9% QoQ	+0.87%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	15%
Loan-to-Deposit Ratio ?	84.06% +11.2% YoY +12.7% QoQ	+6.11%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	40%
Non-Interest-Bearing Deposit Share ?	24.47% +13.1% YoY +4.7% QoQ	+2.44%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	64%
Nonperforming Asset Ratio ?	1.28% +99.2% YoY +53.1% QoQ	+0.61%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	15%
Tier 1 Capital Ratio ?	11.91% +9.3% YoY +1.7% QoQ	-4.00%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.15% -14.9% YoY +121.4% QoQ	-0.42%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	35%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	24.5% +2.8pp YoY +1.1pp QoQ	+2.3pp	22.1%	20.1%	22.2%	64%
Brokered Deposits	2.1% -0.5pp YoY +1.8pp QoQ	-5.7pp	7.9%	8.0%	8.5%	31%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	3.1% -1.1pp YoY -0.3pp QoQ	-8.5pp	11.6%	14.7%	12.5%	10%
CRE	51.0% -8.8pp YoY -8.3pp QoQ	+11.5pp	39.5%	37.9%	41.4%	72%
1-4 Family	19.4% -2.0pp YoY -1.8pp QoQ	-13.2pp	32.6%	28.3%	31.3%	28%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	5.4%	5.0%	7%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	11.9% +1.0pp YoY +0.2pp QoQ	-0.3pp	12.2%	12.2%	12.6%	64%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	52 -8 (-13.3%) YoY -1 (-1.9%) QoQ	-7	58	228	482	56%
Assets per Employee ($)	$13.7M +16.9% YoY -0.6% QoQ	+$6.2M	$7.5M	$8.3M	$8.8M	96%
Branch Count	3 0 YoY 0 QoQ	-2	4	10	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.6% +0.6pp YoY +0.2pp QoQ	+0.2pp	0.3%	0.4%	0.4%	85%
Nonaccrual	1.2% +0.2pp YoY +0.3pp QoQ	+0.3pp	0.9%	1.1%	1.0%	76%
Allowance Coverage	1.02x -45.8% YoY -31.5% QoQ	-23.14x	24.15x	5.62x	20.23x	27%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	15.2% -0.5pp YoY +1.1pp QoQ	+3.0pp	12.2%	10.5%	11.6%	69%
Cost of Funds (YTD)	1.4% -0.3pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.6%	1.7%	33%
Net Income ($, YTD)	$7.2M +5.8% YoY — QoQ	+$4.7M	$2.6M	$11.7M	$40.4M	96%

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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 (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

271

Efficiency Ratio

profitability

Value: 46.06%

Peer Median: 64.48%

#271 of 2643 Top 10.2% in $100M-$1B

279

Total Loans

size

Value: $511.29M

Peer Median: $258.35M

#279 of 2643 Top 10.5% in $100M-$1B

308

Total Deposits

size

Value: $608.22M

Peer Median: $326.73M

#308 of 2643 Top 11.6% in $100M-$1B

322

Total Assets

size

Value: $712.77M

Peer Median: $386.57M

#322 of 2643 Top 12.1% in $100M-$1B

339

Return on Assets

profitability

Value: 2.02%

Peer Median: 1.32%

#339 of 2643 Top 12.8% in $100M-$1B

603

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.99%

#603 of 2643 Top 22.8% in $100M-$1B

Top Weaknesses (2 metrics)

2239

Delinquency Rate

credit_quality

Value: 1.78%

Peer Median: 0.92%

#2239 of 2633 Bottom 15.0% in $100M-$1B

2240

Nonperforming Asset Ratio

credit_quality

Value: 1.28%

Peer Median: 0.67%

#2240 of 2643 Bottom 15.3% in $100M-$1B