Time Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Time Bank of Park Ridge, IL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.17% | 1.25% | +0.92% | 89th top |
| ROAE | 16.22% | 12.22% | +4.00% | 72nd above |
| Net Interest Margin | 4.51% | 3.95% | +0.56% | 79th top |
| Efficiency Ratio | 43.30% | 63.71% | -20.41% | 92nd top |
| PPNR / Avg Assets | 2.34% | — | — | 84th top |
| Yield on Earning Assets | 5.93% | 5.67% | +0.26% | 65th above |
| Cost of Funds | 1.58% | 1.87% | -0.29% | 65th above |
| Net Interest Spread | 3.86% | — | — | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.75% | 0.88% | +0.87% | 15th bottom |
| NPA / Total Assets | 1.28% | — | — | 15th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 74th above |
| ACL / Total Loans | 1.78% | — | — | 90th top |
| ACL / NPLs (Coverage) | 101.75% | — | — | 27th below |
| Texas Ratio | 9.92% | 5.96% | +3.96% | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.91% | 11.75% | +0.16% | 64th above |
| Equity / Assets | 13.57% | 10.98% | +2.59% | 82nd top |
| TCE / Tangible Assets | 11.84% | — | — | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.59% | 80.44% | +5.15% | 39th below |
| Core Deposit Ratio | 92.74% | 86.95% | +5.79% | 72nd above |
| Wholesale Funding Ratio | 0.38% | — | — | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.27% | — | — | 26th below |
| Loan Growth (Y/Y) | 12.33% | — | — | 80th top |
| Deposit Growth (Y/Y) | 1.06% | — | — | 29th below |
See Time Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Time Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Time Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Time Bank peer analysis.