BlastPoint's Banking Scorecard
Timberline Bank
Community
Specialty: Commercial
CO
FDIC cert 57857
Grand Junction, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
Timberline Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 15% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$819.5M
+5.5% YoY
+4.9% QoQ
|
-$572.0M |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$620.4M
+12.2% YoY
+2.7% QoQ
|
-$355.1M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$689.5M
-4.0% YoY
+1.1% QoQ
|
-$475.1M |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
1.05%
+71.9% YoY
+4.5% QoQ
|
-0.11% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
4.17%
+16.2% YoY
+1.6% QoQ
|
+0.51% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
61.29%
-19.4% YoY
-1.1% QoQ
|
-1.34% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.06%
-69.3% YoY
-26.8% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
Top 13% in tier |
| Loan-to-Deposit Ratio ? |
89.98%
+17.0% YoY
+1.5% QoQ
|
+6.91% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
12.18%
+13.3% YoY
-4.7% QoQ
|
-8.87% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.04%
-67.3% YoY
-28.4% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? |
11.12%
-7.1% YoY
-4.1% QoQ
|
+0.88% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.31%
+57.3% YoY
+17.1% QoQ
|
-0.43% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Constraint
risk
#8 of 47 · Bottom 15% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
89.98%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
11.12%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank declining
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
87
87th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
76
76th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.66%
53
53th pctile
Efficiency Ratio
Current: 61.29% · Tier avg: 62.63%
44
44th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
43
43th pctile
Total Loans
Current: $620.4M · Tier avg: $975.5M
38
38th pctile
Tier 1 Capital Ratio
Current: 11.12% · Tier avg: 10.24%
37
37th pctile
Total Deposits
Current: $689.5M · Tier avg: $1.2B
37
37th pctile
Total Assets
Current: $819.5M · Tier avg: $1.4B
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.98% · Tier avg: 83.06%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.18% · Tier avg: 21.05%
Top Weaknesses
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.18% · Tier avg: 21.05%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.98% · Tier avg: 83.06%
37
37th pctile
Total Assets
Current: $819.5M · Tier avg: $1.4B
37
37th pctile
Total Deposits
Current: $689.5M · Tier avg: $1.2B
38
38th pctile
Tier 1 Capital Ratio
Current: 11.12% · Tier avg: 10.24%
43
43th pctile
Total Loans
Current: $620.4M · Tier avg: $975.5M
44
44th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
53
53th pctile
Efficiency Ratio
Current: 61.29% · Tier avg: 62.63%
76
76th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.66%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%