Grand Junction, CO · Cert 57857 · Timberline Bcorp
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
67
Profitability
88
Liquidity
33
Efficiency
87
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.
Grand Junction, CO · Cert 57857 · Timberline Bcorp
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Grand Junction, CO · 2026 SOD (annual) · 11.4% share · #3 of 12 inst. · $0.4B of $3.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.61% | 0.57% | 0.79% | 1.01% | 1.05% | 3.11% | 2.12% | +134 bps | |
| Return on Equity | 8.64% | 9.42% | 8.28% | 11.34% | 14.32% | 14.85% | 40.68% | 27.10% | +1,576 bps | |
| Net Interest Margin | 3.22% | 3.26% | 3.70% | 3.77% | 3.82% | 3.77% | 3.96% | 4.05% | +29 bps | |
| Efficiency Ratio | 76.58% | 76.01% | 67.91% | 65.23% | 61.98% | 61.29% | 40.36% | 49.39% | -1,584 bps | |
| Non-Interest Burden | 2.42% | 2.43% | 2.44% | 2.38% | 2.23% | 2.19% | -0.26% | 1.12% | -126 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.69% | 6.58% | 2.28% | 3.95% | -1.27% | 5.52% | 9.24% | 6.21% | +227 bps | |
| Loan Growth (YoY) | 4.94% | 1.79% | 8.45% | 8.83% | 5.71% | 12.21% | 8.01% | 6.36% | -246 bps | |
| Deposit Growth (YoY) | 7.89% | 7.78% | 1.94% | -6.79% | -7.77% | -4.05% | 5.95% | 6.74% | +1,352 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.11% | 0.08% | 0.08% | 0.06% | 0.06% | 0.06% | -2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.38% | 0.19% | 0.15% | 0.13% | 0.01% | 0.01% | -18 bps | |
| Allowance / Loans | 1.20% | 1.21% | 1.20% | 1.21% | 1.21% | 1.19% | 1.20% | 1.20% | -1 bps | |
| Allowance Coverage of NPLs | n/a | 6.5x | 10.5x | 15.6x | 15.6x | 21.1x | 21.5x | 20.9x | +5.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.02% | 8.05% | 8.30% | 8.51% | 8.63% | 8.52% | 9.11% | 9.38% | +86 bps | |
| Total Risk-Based Capital | 12.53% | 13.22% | 12.78% | 12.80% | 12.86% | 12.37% | 13.02% | 13.26% | +47 bps | |
| Equity / Assets | 6.36% | 6.67% | 7.03% | 7.09% | 7.36% | 7.28% | 7.98% | 8.23% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.26% | 77.87% | 83.96% | 93.21% | 89.70% | 91.06% | 85.60% | 92.88% | -33 bps | |
| Liquid Assets / Assets | 16.05% | 17.96% | 12.07% | 12.23% | 12.55% | 12.57% | 11.30% | 11.31% | -92 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 386% | 390% | 369% | n/a | n/a | |
Grand Junction, CO · Cert 57857 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Timberline Bcorp
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
2.11%
Rank 30 of 746
Net Interest Margin
4.05%
Rank 225 of 746
Efficiency Ratio
49.39%
Rank 98 of 746
Equity / Assets
8.23%
Rank 628 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.11% | 0.72% | 1.06% | 1.45% | Beats 96% | 30 / 746 | ||
| Return on Equity | 25.62% | 6.74% | 10.51% | 13.63% | Beats 98% | 12 / 746 | ||
| Net Interest Margin | 4.05% | 3.17% | 3.68% | 4.16% | Beats 70% | 225 / 746 | ||
| Efficiency Ratio | 49.39% | 55.74% | 64.58% | 75.47% | Beats 87% | 98 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.09% | 0.42% | 1.07% | Beats 78% | 166 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 55% | 332 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.01% | 11.55% | 13.75% | 17.60% | Beats 32% | 509 / 746 | ||
| Total Risk-Based Capital Ratio | 13.26% | 11.71% | 14.33% | 18.43% | Beats 40% | 446 / 746 | ||
| Equity / Assets | 8.23% | 8.90% | 10.51% | 13.06% | Beats 16% | 628 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.88% | 61.31% | 78.27% | 90.78% | 79th pctl | 156 / 746 | ||
| Loans / Assets | 78.04% | 53.60% | 66.97% | 76.08% | 80th pctl | 151 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||