Timberland Bank
Hoquiam, WA · Cert 28453 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 322).
- Widest gap: return on equity trails 54% of banks $1B-$10B in assets (rank 178 of 328).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.46%
Rank 93 of 328
Net Interest Margin
3.67%
Rank 109 of 328
Efficiency Ratio
53.91%
Rank 111 of 328
Equity / Assets
13.22%
Rank 50 of 328
Non-interest income vs. expense
Unfavorable gap of $34.5M · efficiency ratio beats 66% 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% | 0.91% | 1.22% | 1.52% | Beats 72% | 93 / 328 | |
| Return on Equity | 11.02% | 8.43% | 11.45% | 14.43% | Beats 46% | 178 / 328 | |
| Net Interest Margin | 3.67% | 3.03% | 3.45% | 3.83% | Beats 67% | 109 / 328 | |
| Efficiency Ratio | 53.91% | 51.61% | 59.56% | 67.53% | Beats 66% | 111 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.24% | 0.51% | 1.03% | Beats 47% | 173 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 100% | 18 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 19.54% | 11.75% | 13.15% | 15.47% | Beats 90% | 34 / 328 | |
| Total Risk-Based Capital Ratio | 20.80% | 12.63% | 14.15% | 16.46% | Beats 90% | 34 / 328 | |
| Equity / Assets | 13.22% | 9.15% | 10.33% | 12.01% | Beats 85% | 50 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 86.01% | 76.63% | 87.92% | 95.36% | 46th pctl | 174 / 323 | |
| Loans / Assets | 73.65% | 65.18% | 74.15% | 79.98% | 48th pctl | 170 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |