Timberland Bank
Hoquiam, WA · Cert 28453 · Peer group: banks $1B-$10B in assets (n=311-317) · Timberland Bcorp Inc.
SI · FDIC · 24 branches
Q2 2026
$2.1BAssets
$1.5BLoans
$1.8BDeposits
$272.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets (rank 18 of 311).
- Widest gap: return on equity trails 55% of banks $1B-$10B in assets (rank 173 of 317).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.46%
Rank 89 of 317
Net Interest Margin
3.67%
Rank 109 of 317
Efficiency Ratio
53.91%
Rank 102 of 317
Equity / Assets
13.22%
Rank 51 of 317
Non-interest income vs. expense
Unfavorable gap of $34.5M · efficiency ratio beats 68% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.93% | 1.22% | 1.51% | Beats 72% | 89 / 317 | |
| Return on Equity | 11.02% | 8.63% | 11.43% | 14.48% | Beats 45% | 173 / 317 | |
| Net Interest Margin | 3.67% | 3.06% | 3.45% | 3.83% | Beats 66% | 109 / 317 | |
| Efficiency Ratio | 53.91% | 51.90% | 59.69% | 67.53% | Beats 68% | 102 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.24% | 0.51% | 1.14% | Beats 47% | 165 / 311 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 100% | 18 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 19.54% | 11.75% | 13.15% | 15.30% | Beats 90% | 33 / 317 | |
| Total Risk-Based Capital Ratio | 20.80% | 12.63% | 14.21% | 16.26% | Beats 90% | 33 / 317 | |
| Equity / Assets | 13.22% | 9.06% | 10.32% | 11.95% | Beats 84% | 51 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 86.01% | 76.63% | 88.04% | 95.67% | 46th pctl | 169 / 312 | |
| Loans / Assets | 73.65% | 65.41% | 74.05% | 79.71% | 48th pctl | 166 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |