Time Bank
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Data as of · sourced from FFIEC call reports. How we update
Time Bank is an FDIC-insured commercial bank headquartered in Park Ridge, IL, established in 1995 (FDIC certificate 34038), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $712.8M, up 1.3% from Q2 2025, the 75th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.91% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34038
- Headquarters
- Park Ridge, IL
- Established
- 1995
- Total assets, Q2 2026
- $712.8M
- Assets vs Q2 2025
- +1.3%
- Tier 1 leverage ratio, Q2 2026
- 11.91%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071925525
- Holding company
- COMMUNITY BANK CORP.
- Asset rank in state
- 75th of 319 in Illinois
Problem loans are rising at Time Bank. Based in Park Ridge, Illinois, it had $713 million in assets at June 30, 2026, up 1.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.75% of loans from 0.98% a year earlier. It spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $2.17 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Loans are outrunning deposits: over the year loans rose 12.3% and deposits rose 1.1%. Delinquency has appeared in its $117 million multifamily book: 3.74% of those loans are past due or on nonaccrual, against almost none a year earlier. Credit is the area to watch: it carries problem assets equal to 9.9% of the capital and reserves that would absorb them, 3.8 times the median of 2.6% for banks its size.
As of June 30, 2026, Time Bank reported a return on assets of 2.17%, a nonperforming-loan ratio of 1.75% and a Texas ratio of 9.92%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Time Bank is the 75th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.4% to $712.8M, loans rose 9.0% and deposits fell 3.2%. Its loan book on June 30, 2026 was led by loans to nondepository financial institutions, at 27.7% of total loans, followed by multifamily loans at 22.5%. Its 3 offices in the FDIC Summary of Deposits are in Park Ridge, IL, Davenport, IA and Bettendorf, IA; its Park Ridge office books 78% of its branch deposits. On its Q2 2026 call report, Time Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 626 W Talcott Rd, Park Ridge, IL 60068
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 3, 1995
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $608.2M
- Allowance for credit losses
- $9.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $716.8M
- Average total loans
- $487.4M
- Average interest-bearing deposits
- $469.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 3, 1995
- FDIC Cert
- 34038
- Fed RSSD
- 2316714
- SEC CIK
- 1858696 → filed by COMMUNITY BANK CORP.
- Website
- www.time.bank →
- Parent Holding Company
- COMMUNITY BANK CORP. (RSSD 2536857)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Time Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Time Bank's total assets ran between $463.1M (Q2 2024) and $730.5M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$712.8M total assets against $703.8M; $616.1M total liabilities against $615.0M.
$511.3M net loans and leases against $454.9M; $608.2M total deposits against $601.8M.
$84.2M securities against $88.1M; $81.7M cash and balances due against $123.9M.
$10.1M total interest income against $10.1M; $2.4M total interest expense against $2.9M.
$7.6M net interest income against $7.2M.
$571K total noninterest income against $507K; $4.0M total noninterest expense against $4.0M.
$300K provision for credit losses against $210K.
$3.9M net income against $3.5M.
2.17% return on assets against 2.02%; 4.51% net interest margin against 4.41%.
11.91% tier 1 leverage ratio against 10.89%.
Inside the full Time Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Time Bank rankings
Its closest position to the top of a national ranking is 335 of 3,611, for ROA; its furthest is 1,355 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.80% (Q4 2024) to 2.38% (Q3 2024) and its net interest margin ran from 4.10% (Q1 2025) to 4.56% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.91% | 2.17% | 1.75% | 9.92% | 4.51% |
| Q1 2026 | 11.71% | 1.88% | 1.28% | 6.82% | 4.37% |
| Q4 2025 | 11.59% | 2.19% | 0.92% | 5.14% | 4.56% |
| Q3 2025 | 10.94% | 1.89% | 1.24% | 7.12% | 4.38% |
| Q2 2025 | 10.89% | 2.02% | 0.98% | 5.54% | 4.41% |
| Q1 2025 | 10.38% | 1.85% | 0.42% | 2.47% | 4.10% |
| Q4 2024 | 15.01% | 1.80% | 0.49% | 2.88% | 4.52% |
| Q3 2024 | 16.05% | 2.38% | 0.37% | 1.67% | 4.46% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Time Bank (main office) | Park Ridge , IL | 60068 | $471.8M |
| Northwest Bank & Trust Company Branch | Davenport , IA | 52806 | $90.9M |
| Bettendorf Branch | Bettendorf , IA | 52722 | $45.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2025 | Structure Change | Acquired Northwest Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 111 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 13 applications, 13 loans originated, $7.7M originated, across 4 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $2.0M approved, $680K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Time Bank
What are Time Bank's total assets?
As of the Q2 2026 filing, Time Bank reported total assets of $712.8 million in its FFIEC call report.
Where is Time Bank headquartered?
It is headquartered in Park Ridge, IL, United States.
When was Time Bank founded?
It was established in 1995, per the FDIC institution directory.
Is Time Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34038). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Time Bank?
Time Bank's primary federal regulator is the FDIC.
How many branches does Time Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Time Bank's Texas Ratio?
Its Texas Ratio is 9.92% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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