Hoquiam, WA · Cert 28453 · Timberland Bcorp Inc.
SI · FDIC · 24 branches
Q2 2026
Market Position · Olympia-Lacey-Tumwater, WA · 2026 SOD (annual) · 10.7% share · #4 of 15 inst. · $0.6B of $5.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.48% | 1.72% | 1.65% | 1.42% | 1.52% | +4 bps | |
| Return on Equity | 11.33% | 13.19% | 12.55% | 10.73% | 11.50% | +17 bps | |
| Net Interest Margin | 3.66% | 3.71% | 3.80% | 3.65% | 3.73% | +6 bps | |
| Efficiency Ratio | 53.89% | 52.62% | 52.07% | 54.74% | 52.80% | -109 bps | |
| Non-Interest Burden | 1.69% | 1.55% | 1.70% | 1.73% | 1.68% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.97% | 4.64% | 5.06% | 5.91% | 5.32% | +235 bps | |
| Loan Growth (YoY) | 3.20% | 3.04% | 3.58% | 2.25% | 3.87% | +67 bps | |
| Deposit Growth (YoY) | 2.58% | 4.17% | 4.52% | 5.60% | 5.61% | +304 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.26% | 0.30% | 0.29% | 0.64% | 0.56% | +30 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.22% | 1.22% | 1.22% | 1.27% | 1.27% | +4 bps | |
| Allowance Coverage of NPLs | 4.7x | 4.1x | 4.2x | 2.0x | 2.2x | -2.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.56% | 12.46% | 12.67% | 12.85% | 12.85% | +29 bps | |
| Total Risk-Based Capital | 20.41% | 20.55% | 21.12% | 21.52% | 20.80% | +38 bps | |
| Equity / Assets | 13.03% | 12.97% | 13.29% | 13.23% | 13.22% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.46% | 86.32% | 86.80% | 84.37% | 86.01% | -144 bps | |
| Liquid Assets / Assets | 15.57% | 17.71% | 17.38% | 18.86% | 15.89% | +33 bps | |
| CRE / Total Capital | n/a | 400% | 385% | 382% | n/a | n/a | |