Timberline Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Timberline Bank of Grand Junction, CO against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.16% | 1.25% | -0.09% | 42nd below |
| ROAE | 14.14% | 13.17% | +0.97% | 61st above |
| Net Interest Margin | 4.45% | 3.95% | +0.50% | 77th top |
| Efficiency Ratio | 63.23% | 61.50% | +1.73% | 43rd below |
| PPNR / Avg Assets | 1.64% | — | — | 52nd above |
| Yield on Earning Assets | 5.91% | 5.67% | +0.24% | 64th above |
| Cost of Funds | 1.51% | 1.87% | -0.36% | 69th above |
| Net Interest Spread | 4.24% | — | — | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.76% | 0.93% | -0.17% | 35th below |
| NPA / Total Assets | 0.60% | — | — | 34th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 41st below |
| ACL / Total Loans | 1.20% | — | — | 50th above |
| ACL / NPLs (Coverage) | 156.62% | — | — | 41st below |
| Texas Ratio | 0.49% | 6.06% | -5.57% | 76th top |
| Provision / NCO | 925.71% | — | — | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.01% | 17.18% | -5.17% | 17th bottom |
| Tier 1 Ratio | 12.01% | 17.21% | -5.20% | 17th bottom |
| Total Capital Ratio | 13.26% | — | — | 19th bottom |
| Leverage Ratio | 9.38% | 11.75% | -2.37% | 19th bottom |
| Equity / Assets | 8.23% | 10.98% | -2.75% | 16th bottom |
| TCE / Tangible Assets | 8.23% | — | — | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.88% | 80.44% | +12.44% | 23rd bottom |
| Core Deposit Ratio | 91.19% | 86.95% | +4.24% | 62nd above |
| Wholesale Funding Ratio | 7.27% | — | — | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.21% | — | — | 63rd above |
| Loan Growth (Y/Y) | 6.36% | — | — | 55th above |
| Deposit Growth (Y/Y) | 6.74% | — | — | 68th above |
See Timberline Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Timberline Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Timberline Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Timberline Bank peer analysis.