FDIC Cert #34038 · Park Ridge, Illinois · Est. 1995

Time Bank - FDIC Bank Health Profile

A community-scale look at Time Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$693M
Total assets
A
Health grade · Excellent
1.99%
Return on assets
11.6%
Tier 1 capital

Data updated July 2026

The verdict

Time Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 11.59% Tier 1, profitable at 1.99% ROA, efficient (48% cost ratio).

#1,394
largest of 4,313 FDIC banks by assets
68th
percentile by asset size, nationally
11.59%
Tier 1 ratio - above the 10% well-capitalized line
90th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 34038 · IL A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #938/4307
  • PHOTO-FINISH Bay Bank · WI
  • TIER1-WELL 11.6% Tier 1
  • TEXAS-CLEAN 4.4% Texas
  • ROA-STRONG 1.99% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Bay Bank, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Time Bank

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bay Bank · WI · near88/100Community Bank · KS · near88/100Desjardins Bank, Nat… · FL ·…88/100Thomasville National… · GA ·…88/100Time Bank · IL · this bank88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Time Bank · July 2026

Call Report read for Time Bank in a high-failure state

Time Bank (FDIC Cert #34038) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #938 of 4,307. Tier 1 capital prints at 11.59%, clearing the 10% well-capitalized line. The Texas Ratio is 4.40%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.99%. Balance-sheet scale is $693M, 1,394th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bay Bank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Time Bank

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Time Bank sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Time Bank's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Time Bank's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Time Bank's composite health score
Tier 1 Capital Ratio (11.59%) 28/40
Return on Assets (ROA) (1.99%) 25/25
Texas Ratio (4.40%) 20/20
Efficiency Ratio (47.92%) 15/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$693M

Total balance-sheet footings

Total Deposits

$587M

Customer-funded liabilities

Net Loans

$479M

Outstanding loan book

Net Income

$14M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.19% 11.59% 12.99%
Basel III capital ratios - Time Bank

Where Time Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Time Bank's score of 88/100 falls in the highlighted band.

Time Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 22% higher than 78% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Time Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Time Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Time Bank's $693M falls in the highlighted band.

Capital & credit buffers at Time Bank

Tier 1 capital ratio
Well-capitalized 10%

11.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.59%
Texas Ratio
4.40%
Equity Capital
$93M

What these ratios mean →

Earnings posture at Time Bank

Return on Assets (ROA)
90th percentile nationally
1.99%
Return on Equity (ROE)
15.76%
Efficiency Ratio
47.92%

What these mean →

Income & expense at Time Bank

$40M
Interest Income
$3M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Time Bank reports a Texas Ratio of 4.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.40% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Time Bank on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($693M here), outside Illinois so the neighborhood is not state containment.

The Stephenson National Bank and Trust $693M · WI Platinum Bank $694M · MN Carver Federal Savings Bank $696M · NY The Community Bank $691M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Time Bank (FDIC Cert #34038) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Time Bank Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%