Time Bank (FDIC certificate #34038) is based in Park Ridge, Illinois. Its Q2 2026 call report shows $712.8M in total assets and $608.2M in deposits and 3 offices across 2 states.
Based on its Q2 2026 filing, Time Bank scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 164th. Its strongest component is earnings (100/100; 2.02%), and its lowest is loan quality (42/100; 1.75%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (75 → 70), mostly because the loan quality component weakened by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 90 |
| Q3 2024 | 91 |
| Q4 2024 | 93 |
| Q1 2025 | 78 |
| Q2 2025 | 75 |
| Q3 2025 | 72 |
| Q4 2025 | 78 |
| Q1 2026 | 74 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.77% |
| Q3 2024 | 16.05% |
| Q4 2024 | 15.01% |
| Q1 2025 | 10.38% |
| Q2 2025 | 10.89% |
| Q3 2025 | 10.94% |
| Q4 2025 | 11.59% |
| Q1 2026 | 11.71% |
| Q2 2026 | 11.91% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.42% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.24% |
| Q4 2025 | 0.92% |
| Q1 2026 | 1.28% |
| Q2 2026 | 1.75% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.39% |
| Q3 2024 | 2.37% |
| Q4 2024 | 2.04% |
| Q1 2025 | 1.86% |
| Q2 2025 | 1.93% |
| Q3 2025 | 1.92% |
| Q4 2025 | 1.99% |
| Q1 2026 | 1.87% |
| Q2 2026 | 2.02% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $712.8M | 11.91% | 1.75% | 2.02% | 84.1% |
| Q1 2026 | 74 | $730.5M | 11.71% | 1.28% | 1.87% | 74.6% |
| Q4 2025 | 78 | $693.3M | 11.59% | 0.92% | 1.99% | 81.6% |
| Q3 2025 | 72 | $709.5M | 10.94% | 1.24% | 1.92% | 78.7% |
| Q2 2025 | 75 | $703.8M | 10.89% | 0.98% | 1.93% | 75.6% |
| Q1 2025 | 78 | $704.0M | 10.38% | 0.42% | 1.86% | 76.4% |
| Q4 2024 | 93 | $710.4M | 15.01% | 0.49% | 2.04% | 73.2% |
| Q3 2024 | 91 | $481.6M | 16.05% | 0.37% | 2.37% | 91.5% |
| Q2 2024 | 90 | $463.1M | 15.77% | 0.38% | 2.39% | 92.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Prospect BankBank Paris, IL | 57 out of 100, Moderate | $715.6M | 8.5% | 0.45% | vs |
| Hickory Point Bank and TrustBank Decatur, IL | 77 out of 100, Strong | $717.5M | 11.0% | 0.18% | vs |
| Albank National AssociationBank Chicago, IL | 70 out of 100, Strong | $721.8M | 17.0% | 1.13% | vs |
| The Bradford National Bank of GreenvilleBank Greenville, IL | 58 out of 100, Moderate | $722.8M | 8.9% | 1.92% | vs |
| Longview BankBank Ogden, IL | 62 out of 100, Moderate | $732.1M | 8.4% | 0.80% | vs |
| First Neighbor Bank, National AssociationBank Toledo, IL | 55 out of 100, Moderate | $736.0M | 10.6% | 2.00% | vs |
Deposit insurance
Is my money safe at Time Bank?
Yes. Time Bank is an FDIC-insured institution (FDIC certificate #34038). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.1% of deposits ($116.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.91%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Time Bank lists 3 offices in 3 cities across 2 states. Most locations:
- Bettendorf, IA (1)
- Davenport, IA (1)
- Park Ridge, IL (1)
Identity & history
Profile
- Legal name
- Time Bank
- Former names
- Park Ridge Community Bank
- Type
- State-chartered bank
- FDIC certificate #
- 34038
- RSSD ID
- 2316714
- Primary regulator
- FDIC
- Holding company
- Community Bank Corp
- Established
- July 3, 1995
- Headquarters
- 626 W Talcott Rd, Park Ridge, IL 60068
- Website
- www.time.bank
- Employees
- 52
Quick answers
Time Bank: common questions
Is Time Bank FDIC insured?
Yes. Time Bank is an FDIC-insured institution (FDIC certificate #34038). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Time Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Time Bank ever failed?
There is no failure record for FDIC certificate #34038 in the FDIC failed bank list.
How many branches does Time Bank have?
3 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Park Ridge
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pilgrim Baptist Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $263K | 25.8% | 0.00% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
| Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL | 100 out of 100, Very strong | $10.0M | 19.4% | 0.00% | vs |
| Israel Methcomm Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $2.0M | 15.5% | 0.00% | vs |
| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |