BlastPoint's Banking Scorecard
Timberland Bank
Community
Specialty: Commercial
WA
FDIC cert 28453
Hoquiam, WA
1484
banks in Community tier nationally
15 in WA
View Community leaderboard (WA) →
Timberland Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12% in Community
- - Liquidity Overhang: Bottom 30% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+5.1% YoY
-0.3% QoQ
|
+$614.1M |
$1.4B
+2.0% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$1.5B
+3.6% YoY
-0.1% QoQ
|
+$487.1M |
$975.5M
+2.4% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$1.7B
+4.5% YoY
-0.7% QoQ
|
+$541.3M |
$1.2B
+1.7% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.57%
+19.4% YoY
+2.0% QoQ
|
+0.40% |
1.16%
+17.2% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.89%
+7.5% YoY
+1.0% QoQ
|
+0.23% |
3.66%
+9.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
53.50%
-6.8% YoY
-0.9% QoQ
|
-9.14% |
62.63%
-5.3% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.29%
+51.4% YoY
-2.6% QoQ
|
-0.34% |
0.63%
+18.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
85.74%
-0.9% YoY
+0.5% QoQ
|
+2.67% |
83.06%
+0.3% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
23.78%
-4.1% YoY
-5.4% QoQ
|
+2.74% |
21.05%
-0.9% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.23%
+44.0% YoY
-2.4% QoQ
|
-0.27% |
0.50%
+20.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
19.86%
+7.2% YoY
+2.9% QoQ
|
+9.62% |
10.24%
-0.6% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.63%
+6.5% YoY
+29.2% QoQ
|
-0.11% |
0.74%
-1.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#80 of 642 · Bottom 12% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Liquidity Overhang
risk
#80 of 268 · Bottom 30% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.86%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
85.74%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Tier 1 Capital Ratio
Current: 19.86% · Tier avg: 10.24%
80
80th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
76
76th pctile
Efficiency Ratio
Current: 53.50% · Tier avg: 62.63%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.78% · Tier avg: 21.05%
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
47
47th pctile
Loan-to-Deposit Ratio
Current: 85.74% · Tier avg: 83.06%
Top Weaknesses
47
47th pctile
Loan-to-Deposit Ratio
Current: 85.74% · Tier avg: 83.06%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.78% · Tier avg: 21.05%
76
76th pctile
Efficiency Ratio
Current: 53.50% · Tier avg: 62.63%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
80
80th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
93
93th pctile
Tier 1 Capital Ratio
Current: 19.86% · Tier avg: 10.24%