BlastPoint's Banking Scorecard

Timberline Bank

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

Grand Junction, CO

3 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

Timberline Bank shows strong momentum with 5 strengths and 9.2% YoY asset growth

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

+ Profitability Leader: Top 4.3% in tier
+ Revenue Diversifier: Top 4.7% in tier
+ Efficiency Ratio 24.92% below tier average
+ Net Interest Margin 0.41% above tier average
+ Delinquency Rate 0.83% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Timberline Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$828.6M +9.2% YoY +1.1% QoQ	+$442.5M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	Top 7.0% in tier
Total Loans ?	$630.1M +8.0% YoY +1.6% QoQ	+$374.4M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	Top 5.0% in tier
Total Deposits ?	$745.0M +5.9% YoY +8.1% QoQ	+$417.0M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	Top 4.7% in tier
Return on Assets ?	3.11% +447.6% YoY +195.0% QoQ	+1.84%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	Top 1.7% in tier
Net Interest Margin ?	4.35% +9.6% YoY +4.1% QoQ	+0.41%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	75%
Efficiency Ratio ?	40.36% -40.6% YoY -34.1% QoQ	-24.92%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	Top 4.4% in tier
Delinquency Rate ?	0.06% -51.2% YoY -1.5% QoQ	-0.83%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	84.57% +1.9% YoY -6.0% QoQ	+7.94%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	36%
Non-Interest-Bearing Deposit Share ?	13.30% +8.4% YoY +9.2% QoQ	-8.72%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	0.04% -51.8% YoY -1.1% QoQ	-0.60%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	11.77% +2.1% YoY +5.8% QoQ	-4.06%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.77% +147.6% QoQ	+0.49%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	Top 2.0% in tier

Get Full Access to Timberline 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 (2)

Profitability Leader

growth

#30 of 666 • Top 4.3% in tier

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

Why this signature

Return on Assets: 3.11%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Revenue Diversifier

growth

#32 of 666 • Top 4.7% 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: 0.77%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 3.11%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (9 metrics)

Return on Assets

profitability

Value: 3.11%

Peer Median: 1.27%

#46 of 2664 Top 1.7% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.77%

Peer Median: 0.28%

#53 of 2664 Top 2.0% in $100M-$1B

118

Efficiency Ratio

profitability

Value: 40.36%

Peer Median: 65.29%

#118 of 2664 Top 4.4% in $100M-$1B

127

Total Deposits

size

Value: $745.01M

Peer Median: $327.97M

#127 of 2664 Top 4.7% in $100M-$1B

133

Total Loans

size

Value: $630.09M

Peer Median: $255.72M

#133 of 2664 Top 5.0% in $100M-$1B

187

Total Assets

size

Value: $828.62M

Peer Median: $386.08M

#187 of 2664 Top 7.0% in $100M-$1B

556

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#556 of 2664 Top 20.8% in $100M-$1B

572

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.89%

#572 of 2654 Top 21.5% in $100M-$1B

659

Net Interest Margin

profitability

Value: 4.35%

Peer Median: 3.93%

#659 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (1 metrics)

2176

Non-Interest-Bearing Deposit Share

funding

Value: 13.30%

Peer Median: 22.02%

#2176 of 2664 Bottom 18.4% in $100M-$1B