Timberline Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 5.7% to $36.8M. Timberline Bank has the 4th lowest CET1 ratio of the 34 banks headquartered in Colorado, at 12.01% as of Q2 2026. Timberline Bank reported 12.01% on CET1 ratio for Q2 2026, 3.07 points below the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.01% |
| Tier 1 risk-based capital ratio | 12.01% |
| Total risk-based capital ratio | 13.26% |
| Tier 1 leverage ratio | 9.38% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $76.9M |
| Tier 1 capital | $76.9M |
| Total risk-based capital | $84.9M |
| Total equity capital | $68.5M |
| Risk-weighted assets | $640.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.23% |
| Tangible equity to tangible assets | 8.23% |
| Equity capital to average assets | 8.35% |
| Internal capital growth rate | 11.98% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $40.1M |
| Retained earnings | $36.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.91% | 10.91% | 12.16% | 8.03% | $542.4M |
| Q4 2023 | 11.12% | 11.12% | 12.37% | 8.19% | $538.5M |
| Q1 2024 | 11.62% | 11.62% | 12.87% | 8.16% | $522.0M |
| Q2 2024 | 11.51% | 11.51% | 12.76% | 8.18% | $533.1M |
| Q3 2024 | 11.28% | 11.28% | 12.53% | 8.02% | $547.7M |
| Q4 2024 | 11.97% | 11.97% | 13.22% | 8.05% | $525.1M |
| Q1 2025 | 11.52% | 11.52% | 12.78% | 8.30% | $555.4M |
| Q2 2025 | 11.54% | 11.54% | 12.80% | 8.51% | $569.6M |
| Q3 2025 | 11.60% | 11.60% | 12.86% | 8.63% | $579.2M |
| Q4 2025 | 11.12% | 11.12% | 12.37% | 8.52% | $619.5M |
| Q1 2026 | 11.77% | 11.77% | 13.02% | 9.11% | $636.8M |
| Q2 2026 | 12.01% | 12.01% | 13.26% | 9.38% | $640.4M |
Timberline Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Timberline Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Timberline Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57857) · FFIEC NIC profile (RSSD 3271986)