# TIMBERLINE BANK
GRAND JUNCTION, CO · FDIC certificate 57857 · asset band $300M-1B · 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 | $832.6M | |
| Deposits | $699.6M | |
| Loans and leases | $649.8M | |
| Total equity | $68.5M | |
| Loans / deposits | 91.77% (p75 of band) | 82.04% |
| Liquid assets / assets | 16.25% (p19 of band) | |
| Uninsured deposits / deposits | 32.29% (p73 of band) | 25.97% |
| Brokered deposits | 5.04% | |
| Wholesale funding | 12.32% (p82 of band) | |
| FHLB advances / assets | 7.27% | |
| Tier 1 leverage | 9.38% (p20 of band) | 10.81% |
| Unrealized securities loss / equity | 0.27% (p99 of band) | -8.10% |
| AOCI / equity | 1.18% (p96 of band) | |
| ROA (annualized) | 2.12% (p89 of band) | 1.28% |
| Net interest margin | 4.41% (p78 of band) | 3.91% |
| Efficiency ratio | 49.39% (p17 of band) | |
| Noncurrent loans | 0.06% (p19 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p53 of band) | |
| Reserve coverage of noncurrent | 2092.47% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 69.13% (p70 of band) | |
| Auto loans | $268,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 96 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | charge-offs p90 | loans exceed deposits |
| 2011-09 | 3 | loans exceed deposits, losing money | reserve under noncurrent, construction >100% equity |
| 2011-12 | 3 | reserve under noncurrent | loans exceed deposits |
| 2012-03 | 2 |  | losing money |
| 2012-06 | 4 | deposits shrinking, assets shrinking |  |
| 2012-09 | 3 | losing money | deposits shrinking, assets shrinking |
| 2012-12 | 4 | deposits shrinking, assets shrinking | losing money |
| 2013-03 | 4 |  |  |
| 2013-06 | 3 | loans exceed deposits | deposits shrinking, assets shrinking |
| 2013-09 | 2 |  | loans exceed deposits |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | charge-offs p90 |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2015-06 | 0 |  | capital falling, charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | brokered >10% |  |
| 2018-09 | 0 |  | brokered >10% |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 | expense ratio p90 | capital falling |
| 2020-03 | 2 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | expense ratio p90, uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | brokered >10%, capital falling | securities losses >30% of equity |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 0 |  | brokered >10% |
| 2023-12 | 1 | uninsured deposits leaving |  |
| 2024-03 | 2 | brokered >10% |  |
| 2024-06 | 0 |  | uninsured deposits leaving, brokered >10% |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 1 | deposits shrinking | charge-offs p90 |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | deposits shrinking |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-02-18 [Timberline Bank Names CMU Foundation as Nonprofit of the Month - coloradomesa.edu](https://news.google.com/rss/articles/CBMitAFBVV95cUxQenhraC1PVk9jWEdqQ25mMHd0ZUE1eWdpQU8xNWFvek5tZ3pUM3JPZTVVTnNkVnozcTJRUWpqQXNsMEhfM1JIOUtTc1E4NERORElLajhNd21jR1lhbkxiNE1lZ0I0TVAyVTQ2YUh6RWRnUHRmbjZyM1kxc0hrV3BhdGNRNnIxYlBybklmYnlYTWNGUS1yb0dnam11SlNUa2M4YkJRMmRqLWpDenRvN1lLelVmamc?oc=5) · coloradomesa.edu
- 2026-03-27 [Local small business frauded out of nearly $300,000, files lawsuit against bank - WesternSlopeNow.com](https://news.google.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?oc=5) · WesternSlopeNow.com
- 2026-04-06 [Construction firm owner sues bank after scammer empties accounts - BusinessDen](https://news.google.com/rss/articles/CBMikwFBVV95cUxQRVQ2b3REUjlEeFhGVXh4NW5ZbUUyMzQtUGZvb3p5QTNGNThfQldHWHVwS2VRclBwLW9KRXM3S1BjWUFsb3F3ZWc1RmY3TGxPTHJubWZVU2c3SU9JYVBKVHJJdWVGQXBVWV84TXdIZTJkOHBmcmE3UWMxMFRETFlvUjBoUHZuRDVjQ3hFak9aeDlnXzQ?oc=5) · BusinessDen
- 2025-12-05 [Colorado Mesa University and Timberline Bank Launch Round-Up for Rowdy Program to Support Student Scholarships - coloradomesa.edu](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOb2hsZDFTZThpSlcybnlTdW9ncnNKTERyQXNsaDlTa1pNUkFBNmhubXM3NnhvdGhtY1ZZUGl0UmEzYzVYZC1fN2kyZHMzdU9Sd2tOTXZfQ3JYQUtEbXg5WXFTMzZQRWNtenVTa1ZZQVJOVDZPT1dac1ozZmVFeExSbHV1VDJTcXpqNGlYek5GTkV1d2ljSWgzX2Q3UWtuSmFHSklGbDJIMWFwNWs3NWdfWml4M2dDZUlHWDRvX1QxamdQQWpGLXJiczFtVExGbFZTTG9CUnNueElpbUd5a05xMkxFTGU3TXVsTW50cnFXeWx3MjNz?oc=5) · coloradomesa.edu
- 2024-06-18 [Timberline Bank announces alliance with Ashton Thomas Confluence Team - thebusinesstimes.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOeDEtTnhyd3k3c29mUjd0Y0M0Sm9IcFJzTGZ6NkJtYUF3amliRy0zRUozOUZ5Q004SkFRZ29QaXk1Ync4N1lqaTNuYzRna2t2Y1R6T19NVDdwX3dlWUFrWDJkZjJfcXItY3htZUc0aXNscVJZMkJLM3RqSTY4Y01GbUxOb05ZOFE2anVyNHExR2FfbWtHZlNzb05XRVZuQzc2?oc=5) · thebusinesstimes.com
- 2023-07-23 [Timberline Bank, other local businesses named CO Companies to Watch - The Grand Junction Daily Sentinel](https://news.google.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?oc=5) · The Grand Junction Daily Sentinel
- 2024-12-10 [Timberline Bank celebrates 20 years with a ribbon cutting - WesternSlopeNow.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxPcGZSRzBHTlJkX0dTZ2VheXZ6bEM4ZTBXSnZpUFQ4SXZCUHJ4TFU0ekZrdmpBQkRYQUlNblg5RFZwRnBXWlZoZk5hN1dfZGFaOTM2SnB0VmxaSFEtOUczeC1Bak9lb3BiSVl4WEhiMEV2Vk52REFlNGJPTkNULVVlMGJTYnNMVFEyby0wX2pLSTFKbE05Y2pOcnFqY0d0VlIxZnZXU0wyanlNdF9fN0JiQjlKbzJmbHFQOVHSAb8BQVVfeXFMUFc1d2dfWlhUYnRESXQ4Q1lQRFRXM1RyeHJ6ZE1tSXd0RVh3OUVyUWJJVXlTMy1HVGN0NUppeVZLeGhEWkFCbU5XZjBBcHVTNFItOTJPY3FwNTlDemFLSHR4ZFRiNUktU29Ud0JOdjQ3aU9PVFRBX0YxOUc1RVpGVFAtR2pVeTZkblZLUVlMaEtpd25KQzRCemhpM3VsQjg1U3hqTVdVUmVmV3hxUW54QXhMaGNyT0RtNF9IVkhHMXc?oc=5) · WesternSlopeNow.com
- 2020-10-02 [New Timberline Bank HQ bodes well for commercial properties - The Grand Junction Daily Sentinel](https://news.google.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?oc=5) · The Grand Junction Daily Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57857 (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/1.json (key "57857", 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