Timberline Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.28 percentage points higher than in Q1 2026, at 92.88%. Timberline Bank ranks 19th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 92.88% (Q2 2026). Timberline Bank reported 92.88% on loan-to-deposit ratio for Q2 2026, 12.33 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $649.8M |
| Net loans and leases | $642.0M |
| Loans held for sale | $0 |
| Loans to total assets | 78.04% |
| Loan-to-deposit ratio | 92.88% |
| Net loans to equity capital | 9.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.27% |
| Multifamily (5+ residential) | 2.56% |
| Commercial and industrial | 12.81% |
| Consumer | 0.53% |
| Credit cards | 0.08% |
| Farm | 1.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 180.94% |
| Construction concentration (Tier 1 capital + allowance) | 55.91% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.49% |
| Interest income on loans | $10.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $551.4M | $685.3M | 40.14% | 10.64% | 0.49% |
| Q4 2023 | $549.7M | $666.7M | 40.31% | 10.29% | 0.47% |
| Q1 2024 | $544.4M | $689.8M | 40.73% | 10.43% | 0.54% |
| Q2 2024 | $561.3M | $703.1M | 38.23% | 10.56% | 0.49% |
| Q3 2024 | $578.6M | $739.3M | 36.39% | 10.90% | 0.42% |
| Q4 2024 | $559.6M | $718.6M | 38.31% | 10.92% | 0.40% |
| Q1 2025 | $590.4M | $703.2M | 36.48% | 10.56% | 0.45% |
| Q2 2025 | $610.9M | $655.4M | 35.24% | 10.54% | 0.44% |
| Q3 2025 | $611.6M | $681.9M | 33.68% | 10.52% | 0.51% |
| Q4 2025 | $627.9M | $689.5M | 34.19% | 12.48% | 0.43% |
| Q1 2026 | $637.7M | $745.0M | 34.37% | 12.17% | 0.41% |
| Q2 2026 | $649.8M | $699.6M | 34.27% | 12.81% | 0.53% |
Timberline Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Timberline Bank, freeSource: Call Report Schedule RC-C, 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)