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 | |