Side-by-side · Q2 2026 data
Prospect Bank vs Time Bank
Metric by metric
| Measure | Prospect Bank | Time Bank |
|---|---|---|
| TellerScore | 57 | 70 (stronger) |
| Capital cushion | 35 | 69 (stronger) |
| Loan quality | 85 (stronger) | 42 |
| Earnings | 30 | 100 (stronger) |
| Funding & liquidity | 69 | 72 (stronger) |
| Problem-loan coverage | 90 (stronger) | 83 |
| Peer percentile | 14th | 43rd |
| Total assets | $715.6M | $712.8M |
| Deposits / shares | $603.4M | $608.2M |
| Capital ratio | 8.50% | 11.91% (stronger) |
| Problem loans | 0.45% (stronger) | 1.75% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.26% | 2.02% (stronger) |
| Loans ÷ deposits | 77.9% (stronger) | 84.1% |
| Uninsured deposits | 27.3% | 19.1% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.8% | — |
Time Bank has the higher TellerScore (70 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Prospect Bank leads on 2 and Time Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.