| Metric | Timberland Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +5.5% | -0.1 pts |
| Deposit growth (YoY) | +5.6% | +5.1% | +0.6 pts |
| Loan growth (YoY) | +3.8% | +5.9% | -2.1 pts |
| ROA | 1.47% | 1.26% | +0.2 pts |
| ROE | 11.1% | 12.2% | -1.0 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.06B | $1.76B | $1.50B | $272.3M | $15.0M | 1.47% | 3.85% | 0.43% |
| Q1 2026 | $2.05B | $1.74B | $1.45B | $270.7M | $7.2M | 1.42% | 3.80% | 0.47% |
| Q4 2025 | $2.01B | $1.71B | $1.46B | $266.5M | $30.8M | 1.57% | 3.89% | 0.23% |
| Q3 2025 | $2.01B | $1.72B | $1.46B | $261.0M | $22.5M | 1.54% | 3.85% | 0.23% |
| Q2 2025 | $1.96B | $1.67B | $1.44B | $254.9M | $14.0M | 1.45% | 3.83% | 0.21% |
| Q1 2025 | $1.93B | $1.65B | $1.42B | $251.8M | $6.8M | 1.42% | 3.81% | 0.13% |
| Q4 2024 | $1.91B | $1.63B | $1.41B | $247.0M | $25.0M | 1.31% | 3.62% | 0.16% |
| Q3 2024 | $1.92B | $1.65B | $1.42B | $243.5M | $18.1M | 1.27% | 3.57% | 0.20% |
Loan mix (Q2 2026): real estate $1.40B · commercial $118.9M · consumer $1.9M · securities $208.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Timberland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.26% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 12.2% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.8% | 59.0% | 34th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Timberland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Timberland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Timberland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Timberland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.