Timberline Bank: how it compares with its peers
Against 18 CO banks with half to twice its assets, Timberline Bank's strongest measure in Q2 2026 is return on assets (2.12% vs. a 1.46% peer median). Its weakest relative measure is net interest margin (4.41% vs. 3.83%).
| Measure | Timberline Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.12% | 1.46% | Top third Ahead of 72% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.41% | 3.83% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.39% | 63.94% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.7M | $7.7M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.77% | 82.40% | Context |
What it means for lending operations
Its efficiency ratio of 49.39% is better than the 63.94% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- PB&T Bank Pueblo, CO · $815M
- Points West Community Bank Windsor, CO · $878M
- AMG National Trust Bank Boulder, CO · $723M
- The Eastern Colorado Bank Cheyenne Wells, CO · $721M
- Yampa Valley Bank Steamboat Springs, CO · $688M
- First Southwest Bank Durango, CO · $657M
Questions about Timberline Bank
How big is Timberline Bank?
Timberline Bank, established in 2004, is headquartered in Grand Junction, CO. It reported $833M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Timberline Bank's return on assets?
2.12% annualized in Q2 2026, against a 1.46% median for 18 CO banks with half to twice its assets, ahead of 72% of them.
What is Timberline Bank's efficiency ratio?
49.39% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 63.94%, and lower is better.
Is Timberline Bank growing its loans?
Net loans grew 6.4% over the year to Q2 2026, while deposits grew 6.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.