BlastPoint's Banking Scorecard

Timberland Bank

$1B-$10B Specialty: Commercial WA FDIC cert 28453

Designations: ✓ Community bank

Hoquiam, WA

24 branches across WA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in WA.
Deposits +5.6% year over year ($1.8B on the books).
Delinquency rate 0.57%.
Return on assets 1.47%.
Efficiency ratio 53.75% vs a 59.73% peer average.
Loan-to-deposit ratio 84.92% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in WA

View $1B-$10B leaderboard (WA) →

Timberland Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.08% above tier average
+ Efficiency Ratio 5.97% below tier average
+ Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 30.3% in tier
- Liquidity Overhang: Bottom 38.4% in tier

Get updates when Timberland Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$2.1B +5.3% YoY +0.7% QoQ	-$732.5M	$2.8B -0.6% YoY	$3.2B +7.3% YoY	$6.3B +7.7% YoY	51%
Total Loans ?	$1.5B +3.8% YoY +3.2% QoQ	-$464.8M	$2.0B -0.3% YoY	$2.3B +6.2% YoY	$3.2B +9.4% YoY	53%
Total Deposits ?	$1.8B +5.6% YoY +1.2% QoQ	-$554.3M	$2.3B -0.5% YoY	$2.6B +6.6% YoY	$4.9B +7.3% YoY	53%
Return on Assets ?	1.47% +1.8% YoY +3.5% QoQ	+0.08%	1.39% +17.0% YoY	0.49% -20.7% YoY	1.30% +12.1% YoY	68%
Net Interest Margin ?	3.85% +0.6% YoY +1.4% QoQ	-0.02%	3.87% +6.2% YoY	3.77% +1.0% YoY	3.95% +4.9% YoY	59%
Efficiency Ratio ?	53.75% -1.8% YoY -1.8% QoQ	-5.97%	59.73% -12.6% YoY	77.86% +4.3% YoY	70.05% +2.5% YoY	66%
Delinquency Rate ?	0.57% +114.4% YoY -11.8% QoQ	-0.30%	0.87% +11.7% YoY	2.42% +282.9% YoY	0.98% +16.3% YoY	47%
Loan-to-Deposit Ratio ?	84.92% -1.7% YoY +1.9% QoQ	-0.12%	85.04% -0.1% YoY	82.67% -3.3% YoY	79.03% +2.3% YoY	56%
Non-Interest-Bearing Deposit Share ?	23.35% -4.3% YoY -0.3% QoQ	+2.07%	21.27% -1.5% YoY	25.26% +1.1% YoY	21.98% -0.6% YoY	66%
Nonperforming Asset Ratio ?	0.43% +103.8% YoY -9.4% QoQ	-0.25%	0.67% +11.7% YoY	1.67% +187.6% YoY	0.69% +15.8% YoY	49%
Tier 1 Capital Ratio ?	19.54% +2.0% YoY -3.6% QoQ	+4.70%	14.84% -0.4% YoY	12.96% -1.6% YoY	17.09% +0.8% YoY	Top 8.4% in tier
Non-Interest Income / Assets ?	0.29% -0.4% YoY +104.7% QoQ	-0.24%	0.53% +2.5% YoY	0.42% +15.9% YoY	0.66% +5.2% YoY	49%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Noninterest-Bearing	23.3% -1.0pp YoY -0.1pp QoQ	+2.0pp	21.4%	25.3%	22.2%	66%
Brokered Deposits	2.3% -0.5pp YoY -0.1pp QoQ	-7.2pp	9.5%	8.9%	8.5%	30%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
C&I	7.9% -0.8pp YoY -0.7pp QoQ	-6.1pp	14.0%	10.5%	12.5%	33%
CRE	69.7% +2.4pp YoY +2.0pp QoQ	+19.7pp	50.0%	50.6%	41.4%	87%
1-4 Family	23.9% -1.5pp YoY -1.4pp QoQ	-2.6pp	26.4%	30.1%	31.3%	51%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.6pp	4.7%	7.9%	5.0%	14%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
CET1 Ratio	19.5% +0.4pp YoY -0.7pp QoQ	+3.9pp	15.6%	12.7%	19.7%	90%
Leverage Ratio	12.9% +0.3pp YoY 0.0pp QoQ	+1.5pp	11.3%	10.7%	12.6%	84%
Total Capital Ratio	20.8% +0.4pp YoY -0.7pp QoQ	+4.1pp	16.7%	13.8%	20.8%	90%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Full-Time Employees	268 +12 (+4.7%) YoY -4 (-1.5%) QoQ	-46	313	343	482	59%
Assets per Employee ($)	$7.7M +0.6% YoY +2.2% QoQ	-$2.8M	$10.5M	$8.5M	$8.8M	35%
Branch Count	24 +1 (+4.3%) YoY 0 QoQ	+4	20	24	18	74%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.6% +0.3pp YoY -0.1pp QoQ	-0.3pp	0.8%	2.6%	1.0%	55%
Allowance Coverage	2.25x -51.6% YoY +13.5% QoQ	-16.46x	18.71x	4.50x	20.23x	53%
Net Charge-off Rate (YTD)	n/a	n/a	0.3%	0.4%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
ROE	11.1% 0.0pp YoY +0.4pp QoQ	-1.5pp	12.6%	-2.7%	11.6%	42%
Cost of Funds (YTD)	1.6% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.9%	1.8%	1.7%	30%
Net Income ($, YTD)	$15.0M +7.4% YoY — QoQ	-$4.2M	$19.2M	$14.3M	$40.4M	60%

Get Full Access to Timberland Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#123 of 402 • Bottom 30.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#67 of 172 • Bottom 38.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.54%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 84.92%

(Tier: 85.04%, National: 79.03%)

better than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

Tier 1 Capital Ratio

capital

Value: 19.54%

Peer Median: 14.84%

#75 of 885 Top 8.4% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available