| Metric | Timberline Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.9% | +1.3 pts |
| Deposit growth (YoY) | +6.7% | +4.3% | +2.4 pts |
| Loan growth (YoY) | +6.4% | +5.3% | +1.0 pts |
| ROA | 2.12% | 1.28% | +0.8 pts |
| ROE | 27.1% | 12.4% | +14.7 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $832.6M | $699.6M | $642.0M | $68.5M | $8.8M | 2.12% | 4.41% | 0.04% |
| Q1 2026 | $828.6M | $745.0M | $630.1M | $66.1M | $6.4M | 3.11% | 4.35% | 0.04% |
| Q4 2025 | $819.5M | $689.5M | $620.4M | $59.7M | $8.3M | 1.05% | 4.17% | 0.04% |
| Q3 2025 | $781.5M | $681.9M | $604.2M | $57.5M | $5.9M | 1.01% | 4.11% | 0.06% |
| Q2 2025 | $783.9M | $655.4M | $603.5M | $55.6M | $3.0M | 0.79% | 4.02% | 0.06% |
| Q1 2025 | $758.5M | $703.2M | $583.3M | $53.4M | $1.1M | 0.57% | 3.97% | 0.09% |
| Q4 2024 | $776.6M | $718.6M | $552.8M | $51.8M | $4.6M | 0.61% | 3.59% | 0.13% |
| Q3 2024 | $791.5M | $739.3M | $571.7M | $50.3M | $3.2M | 0.56% | 3.52% | 0.00% |
Loan mix (Q2 2026): real estate $552.7M · commercial $83.2M · consumer $3.4M · securities $99.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Timberline Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 1.28% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 27.1% | 12.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.4% | 61.2% | 18th |
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 | Timberline 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 | Timberline 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 | Timberline 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 | Timberline 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.