BlastPoint's Banking Scorecard

Timberline Bank

$100M-$1B Specialty: Commercial CO FDIC cert 57857

Grand Junction, CO

3 branches across CO

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
Deposits +6.7% year over year ($699.6M on the books).
Delinquency rate 0.06%.
Return on assets 2.12%.
Efficiency ratio 49.39% vs a 64.48% peer average.
Loan-to-deposit ratio 91.77% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 49 in CO

View $100M-$1B leaderboard (CO) →

Timberline Bank has 5 strengths but faces 1 concern

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

+ Revenue Diversifier: Top 7.1% in tier
+ Profitability Leader: Top 7.7% in tier
+ Credit Quality Leader: Top 16.7% in tier
+ Net Interest Margin 0.42% above tier average
+ Efficiency Ratio 15.09% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 28.1% in tier

Get updates when Timberline Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$832.6M +6.2% YoY +0.5% QoQ	+$446.0M	$386.6M +1.2% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	Top 6.4% in tier
Total Loans ?	$642.0M +6.4% YoY +1.9% QoQ	+$383.6M	$258.3M +1.7% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	Top 4.4% in tier
Total Deposits ?	$699.6M +6.7% YoY -6.1% QoQ	+$372.8M	$326.7M +0.7% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	Top 6.8% in tier
Return on Assets ?	2.12% +170.1% YoY -31.6% QoQ	+0.80%	1.32% +10.8% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	Top 10.6% in tier
Net Interest Margin ?	4.41% +9.5% YoY +1.4% QoQ	+0.42%	3.99% +5.0% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	75%
Efficiency Ratio ?	49.39% -24.3% YoY +22.4% QoQ	-15.09%	64.48% -3.2% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	84%
Delinquency Rate ?	0.06% -26.2% YoY +2.6% QoQ	-0.86%	0.92% +15.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	78%
Loan-to-Deposit Ratio ?	91.77% -0.3% YoY +8.5% QoQ	+13.82%	77.95% +1.0% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	23%
Non-Interest-Bearing Deposit Share ?	11.83% -10.5% YoY -11.0% QoQ	-10.20%	22.03% -0.6% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	Bottom 14.0% in tier
Nonperforming Asset Ratio ?	0.04% -26.1% YoY +4.0% QoQ	-0.62%	0.67% +16.4% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	79%
Tier 1 Capital Ratio ?	12.01% +4.1% YoY +2.1% QoQ	-3.90%	15.91% +1.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.86% +666.9% YoY +11.3% QoQ	+0.29%	0.57% +7.6% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	Top 4.4% in tier

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 (CO)	National Avg	Tier Percentile
Noninterest-Bearing	11.8% -1.4pp YoY -1.5pp QoQ	-10.3pp	22.1%	23.5%	22.2%	14%
Brokered Deposits	6.0% +1.8pp YoY +0.6pp QoQ	-1.9pp	7.9%	7.4%	8.5%	58%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	13.0% +2.3pp YoY +0.6pp QoQ	+1.4pp	11.6%	8.4%	12.5%	68%
CRE	44.7% +1.1pp YoY +0.7pp QoQ	+5.1pp	39.5%	42.8%	41.4%	62%
1-4 Family	39.9% -2.1pp YoY -1.5pp QoQ	+7.3pp	32.6%	33.0%	31.3%	70%
Consumer	0.5% +0.1pp YoY +0.1pp QoQ	-3.6pp	4.1%	3.9%	5.0%	16%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	12.0% +0.5pp YoY +0.2pp QoQ	-6.8pp	18.8%	24.9%	19.7%	17%
Leverage Ratio	9.4% +0.9pp YoY +0.3pp QoQ	-2.8pp	12.2%	12.5%	12.6%	19%
Total Capital Ratio	13.3% +0.5pp YoY +0.2pp QoQ	-6.7pp	19.9%	26.1%	20.8%	19%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	96 +11 (+12.9%) YoY +6 (+6.7%) QoQ	+37	58	107	482	85%
Assets per Employee ($)	$8.7M -6.0% YoY -5.8% QoQ	+$1.2M	$7.5M	$7.8M	$8.8M	76%
Branch Count	3 0 YoY 0 QoQ	-2	4	7	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.7%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	13%
Allowance Coverage	20.92x +34.3% YoY -2.6% QoQ	-3.23x	24.15x	12.16x	20.23x	89%
Net Charge-off Rate (YTD)	0.0% -0.2pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	27.1% +15.8pp YoY -13.6pp QoQ	+14.9pp	12.2%	9.7%	11.6%	97%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.7%	1.7%	35%
Net Income ($, YTD)	$8.8M +189.0% YoY — QoQ	+$6.2M	$2.6M	$5.4M	$40.4M	98%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 (3)

Revenue Diversifier

growth

#48 of 661 • Top 7.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.86%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 2.12%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Profitability Leader

growth

#52 of 661 • Top 7.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.12%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Credit Quality Leader

growth

#111 of 659 • Top 16.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#195 of 691 • Bottom 28.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.77%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (9 metrics)

116

Total Loans

size

Value: $641.97M

Peer Median: $258.35M

#116 of 2643 Top 4.4% in $100M-$1B

116

Non-Interest Income / Assets

revenue_mix

Value: 0.86%

Peer Median: 0.57%

#116 of 2643 Top 4.4% in $100M-$1B

171

Total Assets

size

Value: $832.56M

Peer Median: $386.57M

#171 of 2643 Top 6.4% in $100M-$1B

181

Total Deposits

size

Value: $699.55M

Peer Median: $326.73M

#181 of 2643 Top 6.8% in $100M-$1B

281

Return on Assets

profitability

Value: 2.12%

Peer Median: 1.32%

#281 of 2643 Top 10.6% in $100M-$1B

416

Efficiency Ratio

profitability

Value: 49.39%

Peer Median: 64.48%

#416 of 2643 Top 15.7% in $100M-$1B

547

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#547 of 2643 Top 20.7% in $100M-$1B

576

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.92%

#576 of 2633 Top 21.8% in $100M-$1B

655

Net Interest Margin

profitability

Value: 4.41%

Peer Median: 3.99%

#655 of 2643 Top 24.7% in $100M-$1B

Top Weaknesses (2 metrics)

2273

Non-Interest-Bearing Deposit Share

funding

Value: 11.83%

Peer Median: 22.03%

#2273 of 2643 Bottom 14.0% in $100M-$1B

2045

Loan-to-Deposit Ratio

liquidity

Value: 91.77%

Peer Median: 77.95%

#2045 of 2643 Bottom 22.7% in $100M-$1B