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Timberline Bank

Grand Junction, CO · Cert 57857 · Timberline Bcorp

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

30

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

89

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Timberline Bank

Grand Junction, CO · Cert 57857 · Timberline Bcorp

State charter, non-member · FDIC · 3 branches

Q2 2026

$832.6MAssets
$649.8MLoans
$699.6MDeposits
$68.5MEquity
Loan mix
87%RE $547.5M12%C&I $77.6M0%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $616.8M12%Noninterest $82.8MQ2 2025Q2 2026

NIM

5.17%Q2 ’245.32%Q2 ’255.43%Q2 ’26+17%+8%

Non-interest income vs. expense

2.63%Q2 ’242.61%Q2 ’252.86%Q2 ’26-2%-53%

Market Position · Grand Junction, CO · 2026 SOD (annual) · 11.4% share · #3 of 12 inst. · $0.4B of $3.8B

11.4% Mesa
8.0% Pitkin
8.6% Montrose

Executive Summary

  • Earnings: ROA of 2.12%, up 134 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.06% of loans (-2 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.38%, up 86 bps from a year ago.
  • Funding: loans stand at 92.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.12%+134 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+29 bps YoY

Efficiency Ratio (YTD, annualized)

49.39%-1,584 bps YoY

Tier 1 Leverage Ratio

9.38%+86 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%1.01%1.05%3.11%2.12%+134 bps
Return on Equity11.34%14.32%14.85%40.68%27.10%+1,576 bps
Net Interest Margin3.77%3.82%3.77%3.96%4.05%+29 bps
Efficiency Ratio65.23%61.98%61.29%40.36%49.39%-1,584 bps
Non-Interest Burden2.38%2.23%2.19%-0.26%1.12%-126 bps
Growth
Asset Growth (YoY)3.95%-1.27%5.52%9.24%6.21%+227 bps
Loan Growth (YoY)8.83%5.71%12.21%8.01%6.36%-246 bps
Deposit Growth (YoY)-6.79%-7.77%-4.05%5.95%6.74%+1,352 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.08%0.06%0.06%0.06%-2 bps
Net Charge-Offs / Loans0.19%0.15%0.13%0.01%0.01%-18 bps
Allowance / Loans1.21%1.21%1.19%1.20%1.20%-1 bps
Allowance Coverage of NPLs15.6x15.6x21.1x21.5x20.9x+5.3x
Capital
Tier 1 Leverage Ratio8.51%8.63%8.52%9.11%9.38%+86 bps
Total Risk-Based Capital12.80%12.86%12.37%13.02%13.26%+47 bps
Equity / Assets7.09%7.36%7.28%7.98%8.23%+114 bps
Liquidity & Funding
Loans / Deposits93.21%89.70%91.06%85.60%92.88%-33 bps
Liquid Assets / Assets12.23%12.55%12.57%11.30%11.31%-92 bps
CRE / Total Capitaln/a386%390%369%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Timberline Bank

Grand Junction, CO · Cert 57857 · Peer group: banks under $1B in assets (n=570-617) · Timberline Bcorp

State charter, non-member · FDIC · 3 branches

Q2 2026

$832.6MAssets
$649.8MLoans
$699.6MDeposits
$68.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 97% of banks under $1B in assets (rank 20 of 617).
  • Widest gap: equity / assets trails 86% of banks under $1B in assets (rank 531 of 617).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.11%

Rank 64 of 617

Net Interest Margin

4.05%

Rank 152 of 617

Efficiency Ratio

49.39%

Rank 66 of 617

Equity / Assets

8.23%

Rank 531 of 617

Non-interest income vs. expense

$14.3M$23.5MINCOMEEXPENSE
Unfavorable gap of $9.2M · efficiency ratio beats 89% of banks under $1B in assets
Bank 49.39%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.11%0.60%1.01%1.45%Beats 90%64 / 617
Return on Equity25.62%5.30%9.43%13.30%Beats 97%20 / 617
Net Interest Margin4.05%3.04%3.54%4.05%Beats 75%152 / 617
Efficiency Ratio49.39%58.03%67.76%79.08%Beats 89%66 / 617
Asset Quality
Nonperforming Loans / Loans0.06%0.09%0.47%1.27%Beats 79%121 / 570
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 54%266 / 570
Capital
Tier 1 Capital Ratio12.01%11.18%13.83%18.55%Beats 34%408 / 617
Total Risk-Based Capital Ratio13.26%11.56%14.39%19.39%Beats 41%361 / 617
Equity / Assets8.23%9.03%10.55%13.63%Beats 14%531 / 617
Liquidity & Funding
Loans / Deposits92.88%64.77%79.70%93.06%75th pctl148 / 582
Loans / Assets78.04%51.70%67.18%77.51%76th pctl149 / 617
Brokered Deposits / Depositsn/aNot reported for this institution