Timberline Bank
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Data as of · sourced from FFIEC call reports. How we update
Timberline Bank is an FDIC-insured commercial bank headquartered in Grand Junction, CO, established in 2004 (FDIC certificate 57857), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $832.6M, up 6.2% from Q2 2025, the 10th largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 12.01% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57857
- Headquarters
- Grand Junction, CO
- Established
- 2004
- Total assets, Q2 2026
- $832.6M
- Assets vs Q2 2025
- +6.2%
- CET1 ratio, Q2 2026
- 12.01%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 102107063
- Holding company
- TIMBERLINE BANCORPORATION
- Asset rank in state
- 10th of 63 in Colorado
Timberline Bank operates with a thinner capital cushion than most banks of its size. The Grand Junction, Colorado bank had $833 million in assets at June 30, 2026, up 6.2% from a year earlier. It holds common equity equal to 12.01% of its risk-weighted assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). On the other hand, it carries problem assets equal to 0.5% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Net income for the quarter rose 22% from a year earlier, to $2.4 million.
As of June 30, 2026, Timberline Bank reported a CET1 capital ratio of 12.01%, a return on assets of 1.16%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.49%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Timberline Bank is the 10th largest of the 63 banks headquartered in Colorado. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $832.6M, loans rose 1.9% and deposits fell 6.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.4% of total loans, ahead of owner-occupied commercial real estate loans at 20.5%. The FDIC Summary of Deposits lists 3 offices for it, in Grand Junction, CO, Aspen, CO and Montrose, CO; its Grand Junction office books 61% of its branch deposits. By the capital ratios in its Q2 2026 call report, Timberline Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 649 Market St, Grand Junction, CO 81505
- County
- Mesa
- Metro Area
- Grand Junction, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 25, 2004
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 96
- Domestic deposits
- $699.6M
- Allowance for credit losses
- $7.8M
- Net charge-offs (YTD)
- $35K
- Average total assets
- $820.3M
- Average total loans
- $643.1M
- Average interest-bearing deposits
- $618.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 25, 2004
- FDIC Cert
- 57857
- Fed RSSD
- 3271986
- SEC CIK
- 1524763 → filed by TIMBERLINE BANCORPORATION
- Website
- www.timberlinebank.com →
- Parent Holding Company
- TIMBERLINE BANCORPORATION (RSSD 3282713)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Timberline Bank's total assets ranged from $728.6M (Q4 2023) to $832.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$832.6M total assets against $783.9M; $764.1M total liabilities against $728.3M.
$642.0M net loans and leases against $603.5M; $699.6M total deposits against $655.4M.
$99.0M securities against $112.1M; $36.3M cash and balances due against $25.8M.
$11.3M total interest income against $10.5M; $2.8M total interest expense against $3.1M.
$8.5M net interest income against $7.4M.
$760K total noninterest income against $470K; $5.9M total noninterest expense against $4.9M.
$180K provision for credit losses against $315K.
$2.4M net income against $1.9M.
1.16% return on assets against 1.01%; 4.45% net interest margin against 4.09%.
12.01% CET1 capital ratio against 11.54%; 9.38% tier 1 leverage ratio against 8.51%.
Inside the full Timberline Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTimberline Bank rankings
Its closest position to the top of a national ranking is 1,205 of 4,196, for total assets; its furthest is 2,963 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.55% (Q3 2024) to 3.11% (Q1 2026) and its net interest margin ran from 3.64% (Q3 2024) to 4.45% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.01% | 1.16% | 0.06% | 0.49% | 4.45% |
| Q1 2026 | 11.77% | 3.11% | 0.06% | 0.48% | 4.30% |
| Q4 2025 | 11.12% | 1.18% | 0.06% | 0.53% | 4.35% |
| Q3 2025 | 11.60% | 1.45% | 0.08% | 0.73% | 4.25% |
| Q2 2025 | 11.54% | 1.01% | 0.08% | 0.75% | 4.09% |
| Q1 2025 | 11.52% | 0.56% | 0.11% | 1.12% | 3.94% |
| Q4 2024 | 11.97% | 0.76% | 0.18% | 1.76% | 3.76% |
| Q3 2024 | 11.28% | 0.55% | 0.00% | 0.00% | 3.64% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Timberline Bank (main office) | Grand Junction , CO | 81505 | $428.6M |
| Aspen Branch | Aspen , CO | 81611 | $151.7M |
| Montrose Branch | Montrose , CO | 81401 | $119.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in CO, rank 30 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $787K approved, $394K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Timberline Bank
What are Timberline Bank's total assets?
As of the Q2 2026 filing, Timberline Bank reported total assets of $832.6 million in its FFIEC call report.
Where is Timberline Bank headquartered?
It is headquartered in Grand Junction, CO, United States.
When was Timberline Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Timberline Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57857). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Timberline Bank?
Timberline Bank's primary federal regulator is the FDIC.
What is Timberline Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.01% in its Q2 2026 call report, above regulatory requirements.
How many branches does Timberline Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Timberline Bank's Texas Ratio?
Its Texas Ratio is 0.49% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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