Time Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 25.98 percentage points lower than in Q1 2026, at 110.01%. Among 323 Illinois banks, Time Bank sits 21st from the top on return on assets, 2.17% as of Q2 2026. Time Bank's return on assets of 2.17% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.91 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.91% |
| Equity capital to assets | 13.57% |
| Tangible equity to tangible assets | 11.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.62% |
| Non-performing assets ratio | 1.18% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 9.92% |
| Allowance for credit losses to loans | 1.78% |
| Reserve coverage of non-performing loans | 110.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.17% |
| Return on equity | 16.22% |
| Net interest margin | 4.51% |
| Efficiency ratio | 43.30% |
| Yield on earning assets | 5.93% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.59% |
| Core deposits to total deposits | 92.74% |
| Brokered deposits to total deposits | 2.14% |
| Deposits to assets | 85.33% |
| Securities to assets | 11.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.04% | 2.50% | 4.41% | 0.00% | 0.00% |
| Q4 2023 | 15.32% | 2.44% | 4.46% | 0.23% | 0.00% |
| Q1 2024 | 14.93% | 2.36% | 4.34% | 0.24% | 0.00% |
| Q2 2024 | 15.77% | 2.40% | 4.41% | 0.38% | 0.00% |
| Q3 2024 | 16.05% | 2.38% | 4.46% | 0.37% | 0.00% |
| Q4 2024 | 15.01% | 1.80% | 4.52% | 1.05% | 0.00% |
| Q1 2025 | 10.38% | 1.85% | 4.10% | 0.96% | 0.00% |
| Q2 2025 | 10.89% | 2.02% | 4.41% | 0.98% | 0.00% |
| Q3 2025 | 10.94% | 1.89% | 4.38% | 0.88% | 0.00% |
| Q4 2025 | 11.59% | 2.19% | 4.56% | 1.44% | 0.01% |
| Q1 2026 | 11.71% | 1.88% | 4.37% | 1.40% | 0.00% |
| Q2 2026 | 11.91% | 2.17% | 4.51% | 1.62% | 0.00% |
Time Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Time Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Time Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34038) · FFIEC NIC profile (RSSD 2316714)