Timberline Bank
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
$832.6MAssets
$649.8MLoans
$699.6MDeposits
$68.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 98% of banks under $1B in assets operating in a single state (rank 12 of 746).
- Widest gap: equity / assets trails 84% of banks under $1B in assets operating in a single state (rank 628 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $9.2M · efficiency ratio beats 87% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |