# TIMBERLAND BANK
HOQUIAM, WA · FDIC certificate 28453 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.06B | |
| Deposits | $1.76B | |
| Loans and leases | $1.52B | |
| Total equity | $272.3M | |
| Loans / deposits | 84.92% (p45 of band) | 87.10% |
| Liquid assets / assets | 22.47% (p56 of band) | |
| Uninsured deposits / deposits | 26.83% (p36 of band) | 30.76% |
| Brokered deposits | 1.96% | |
| Wholesale funding | 2.44% (p32 of band) | |
| FHLB advances / assets | 0.49% | |
| Tier 1 leverage | 12.85% (p83 of band) | 10.50% |
| Unrealized securities loss / equity | -2.45% (p77 of band) | -7.75% |
| AOCI / equity | -0.34% (p47 of band) | |
| ROA (annualized) | 1.47% (p68 of band) | 1.26% |
| Net interest margin | 3.85% (p59 of band) | 3.70% |
| Efficiency ratio | 53.75% (p35 of band) | |
| Noncurrent loans | 0.56% (p54 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 224.98% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 67.40% (p70 of band) | |
| Auto loans | $221,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.6% | |
| Employees | 268 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | losing money |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | losing money |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | construction >100% equity |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 | capital falling | charge-offs p90 |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | capital falling, construction >100% equity |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | construction >100% equity |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | construction >100% equity |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2020-09 | 1 |  | uninsured deposits leaving |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | deposits shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-23 [Local bank adds University Place branch, new eats at Tacoma Mall, other biz news - thenewstribune.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE9ucjk3a3ZHak9xa1Y4bk1Pa000ekpHVVh0U3B1ekxBZFBDcllLRVBEUWFJZmxsTnBCQkFud2RudWNCY2QxNEVsMVM1QmN0eG16cHhPb0RuVGFPVmlSa1hqOExlR1ZNNlo4VkRqM29YMGZHRHRa0gF0QVVfeXFMTUpybjczRkRxdWVjVzFINE0xWktNY2FoN2dLQk90TlFQc01sQ3pmZ2pqOUg4T1BhVUVNU0l2WmJ4UkV5bnpSeXh4aU04cVBEanB5dkpSdEY4TUJTWHBnYlhTXzBxMFdUYjVhel8tMWJQNnMxal8?oc=5) · thenewstribune.com
- 2026-07-28 [Timberland Bancorp Reports Third Fiscal Quarter Net Income of $7.72 Million - GlobeNewswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQYnF3TWNvNW11TkM4cy1uYTdwWFBodGd4YXRjUkNBV1lDN1ZINnFSbFhWekVpMDVJWVJLZWx5bEtHNUlSTzVGSDRJR1ZKNW85VUEwNmkxcHlTNWo5YTZpMDlPbXg3cl9LSDZvMDE1VXh0TDh0VERmZEpQS2QyUVZENnZkbmhpMVFCd1JFQ19GSkUyZWQzb241azN4TEI0UzhjLTAwRkUxYmpjRTJCRE1WeGFOdUwzYWhXM2lLX3h1RjRxRWtwMHpXR05XVGVxWXA1aGpva0stb0NsV1g2NmhNZzVYZUE?oc=5) · GlobeNewswire
- 2026-07-07 [Timberland Rises 37% in a Year: Should You Buy the Stock? - Eastern Progress](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPWEhvdjBveEJObV9feHRpMW1aXzdQTF80b2pEek1tUEVpNHpwSnYzQ2ZIU2ZHWDIxOU9KSHZndFJOU21UbUZCcURFcDhWQ3BVckpYV0c0NTNkZUlrM3ltRUlxSUdlcjVUQTUtN1JiRi1FMDFLYXZ2MEV1UC1XbHRyMW96SVk3UGpsV1BSOGFjZjZSNGtYRW9jcWVaUFItRjkwR3J6Mnk3UXJBNlNlYXF6eUljMzM1UjQyYnNveXhid2dZd2pseHRUaU1HYVpGb3dyWmc?oc=5) · Eastern Progress
- 2024-11-27 [Timberland Bank helps donate $772,000 to 43 Western Washington nonprofits - The Daily Chronicle](https://news.google.com/rss/articles/CBMisAFBVV95cUxPRnJGblFrWktGRzFHWjVMUlZYcU8zcDhQNWxjb0cxa28tSllXaGY3VVBVVENrQWFKaTNDdmM5ckl4VFVKRUlpNlQ1SGZoZzk0RW1yZ0gwS04yWFJrNERGVExZdmM0RDlEQXNYeTVPYW55T3ExNVNBSXJtdERsYTA0R2twb08xSEVMNWp6dVZlY05neDJza285b1ZNMEdDckFIa2tLdXB2Y0x2SzNUVF92WQ?oc=5) · The Daily Chronicle
- 2020-02-20 [For over 100 Years, Giving Back to the Community has Been an Integral Part of Timberland Bank - GraysHarborTalk](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNMmlaRmlPOUd3UHBKRmtZRmk3SG84TE5qcHBiSXY2V2ptbWM1eTl1SnI1QkNjRnNid19TVVJ4Z1pUa0xHb2pmQWtFMW9MZXhBZnpPRU44T01oYVZOR1ZFUlVsOWxkWWV4Y2l2V3FnZGx2aWJQVi1lekFnSWtVYVFhc0Z2YTlzRWMtcGRyWTd3MWdfZ0NpRnljcGtjNndiMTBJOHcxV05Wa21CMmpiV2VRalVTQ3Y1aVpsMGxmTjlHUVJoelFRMlJhWE1pTUpkLW5vSXc?oc=5) · GraysHarborTalk
- 2024-07-31 [Bank robbery suspect charged after attempting to flee United States - Kitsap Sun](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOUEUxYVBIN3ZmN056UV85NDRhdDhMLTd6VUk2UGJGendURWF0RU1qQVlBX3RWMjNUal9nVmhhZlpDYnJfMzlxWnQ2QldTcHF6ZDY5X2lyUjAxNzR4a0hoVGljUk11VW9CLWVUNktadGVLUk5XM2NtY1c2WGp5WHVYLUUwWElYSnZEQkdzMEc3VEdQQjg2M1RjZzRpREt3ZzJfa0g5U2Z4VXRhZjZ2UTV6dG5hWFdoNS1pQjQ5bWNJUDE?oc=5) · Kitsap Sun
- 2025-04-25 [Timberland Bncp (TSBK) Stock Price, News & Analysis - Stock Titan](https://news.google.com/rss/articles/CBMiU0FVX3lxTE51dmxTS3JMU2FVZXZLZVR1MF9xdFBydWpCdlN5RWc3c2Q4UkdQd19ZYlI3NzB3Q2pFWnJxVEZLVnJIM201SjN2ZWl1NGFiajdnMy0w?oc=5) · Stock Titan
- 2020-01-03 [Leaders Banquet and Business Recognition Awards Presents Timberland Bank with Large Business of the Year - GraysHarborTalk](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNbUt5a05EbUo1eFhYYWVSbnlOcEE5eVF2TXBwT3FTdlNMcE9Da0lKbDMtM1VJV1FOVmpLYkJGVVdNX0hGQTZtbWItMHBMcGFwQTA5ZG1QWVpXNFk0ZjNUQ1hSLW55NGVOX29jTDB1a2RLU1YxTlk4QnpwVDVfRTNKV1MzaVRSVGxfVVZ0MHVnQVRNLTJuaGZSaDIyTzFjR2ZybmpMZFRaanJIamxhb2p5WWV5d3ZMSUVRMnFXTEZFVUxJNWxwb2M2YmUyMXRXV08zYnVBS0JMVGZwT1RCaG5HYUdB?oc=5) · GraysHarborTalk

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28453 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "28453", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide