TellerScore

Timberland Bank (FDIC certificate #28453) is based in Hoquiam, Washington. Its Q2 2026 call report shows $2.1B in total assets and $1.8B in deposits and 24 offices.

Based on its Q2 2026 filing, Timberland Bank scores 78/100, which we describe as strong. That is higher than 86% of 897 banks with $1 billion – $10 billion. Among 29 banks headquartered in Washington, it ranks 6th. Its strongest component is problem-loan coverage (94/100; 3.0%), and its lowest is funding & liquidity (62/100; 85% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Tier 1 leverage ratio: 12.85%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.56%
Earnings79/100
Return on assets (annualized): 1.47%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 84.9% · 26.8% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.01%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (80 → 78), mostly because the loan quality component weakened by 10 points.

TellerScore
767981Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202477
Q4 202478
Q1 202580
Q2 202580
Q3 202580
Q4 202581
Q1 202677
Q2 202678
Tier 1 leverage ratio
5.00%8.93%12.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.07%
Q3 202412.01%
Q4 202412.23%
Q1 202512.49%
Q2 202512.56%
Q3 202512.46%
Q4 202512.67%
Q1 202612.85%
Q2 202612.85%
Noncurrent loans
0.16%0.40%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.29%
Q3 20240.27%
Q4 20240.19%
Q1 20250.16%
Q2 20250.26%
Q3 20250.30%
Q4 20250.29%
Q1 20260.64%
Q2 20260.56%
Return on assets
1.24%1.40%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.24%
Q3 20241.27%
Q4 20241.31%
Q1 20251.42%
Q2 20251.45%
Q3 20251.54%
Q4 20251.57%
Q1 20261.42%
Q2 20261.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$2.1B12.85%0.56%1.47%84.9%
Q1 202677$2.0B12.85%0.64%1.42%83.3%
Q4 202581$2.0B12.67%0.29%1.57%85.7%
Q3 202580$2.0B12.46%0.30%1.54%85.3%
Q2 202580$2.0B12.56%0.26%1.45%86.4%
Q1 202580$1.9B12.49%0.16%1.42%86.1%
Q4 202478$1.9B12.23%0.19%1.31%86.5%
Q3 202477$1.9B12.01%0.27%1.27%86.2%
Q2 202476$1.9B12.07%0.29%1.24%85.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.85%
84th
Total risk-based capital20.80%
93rd
Problem loans0.56%
46th
Net charge-offs0.00%
82nd
Return on assets1.47%
68th
Net interest margin3.85%
59th
Efficiency ratio53.8%
66th
Loans to deposits84.9%
55th
Uninsured deposits26.8%
64th
Loan-loss reserves1.27%
66th
Texas ratio3.0%
57th

Similar-size banks in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
First Fed BankBank Port Angeles, WA49 out of 100, Below average$2.1B9.6%1.28%vs
Yakima Federal Savings and Loan AssociationBank Yakima, WA86 out of 100, Very strong$2.0B28.1%0.28%vs
Cashmere Valley BankBank Cashmere, WA79 out of 100, Strong$2.3B12.5%0.35%vs
Peoples BankBank Bellingham, WA78 out of 100, Strong$2.4B13.3%0.11%vs
Riverview BankBank Vancouver, WA54 out of 100, Below average$1.5B11.0%0.80%vs
Sound Community BankBank Seattle, WA64 out of 100, Moderate$1.1B10.9%0.90%vs

Deposit insurance

Is my money safe at Timberland Bank?

Yes. Timberland Bank is an FDIC-insured institution (FDIC certificate #28453). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.8% of deposits ($473.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.80% (benchmark: 10%).

Check how much of your own balance is covered

24 locations

Branches

Timberland Bank lists 24 offices in 20 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Timberland Bank reported 354 home-loan applications under HMDA (LEI 254900MKY47WU65N1J56): 233 originated ($162,135,000 total), 48 denied, and 71 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Timberland Bank
Former names
Timberland Savings Bank, a mutual savings bank; Timberland Savings Bank, F.S.B.; Timberland Savings Bank, SSB; Timberland Federal Savings and Loan Association
Type
SI
FDIC certificate #
28453
RSSD ID
294779
Primary regulator
FDIC
Holding company
Timberland Bcorp Inc
Established
January 1, 1915
Headquarters
624 Simpson Ave, Hoquiam, WA 98550
Employees
268

Quick answers

Timberland Bank: common questions

Is Timberland Bank FDIC insured?

Yes. Timberland Bank is an FDIC-insured institution (FDIC certificate #28453). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Timberland Bank's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Timberland Bank ever failed?

There is no failure record for FDIC certificate #28453 in the FDIC failed bank list.

How many branches does Timberland Bank have?

24 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hoquiam

InstitutionScoreAssetsCapitalProblem loansCompare
Utility Employees Federal Credit UnionCredit union Aberdeen, WA93 out of 100, Very strong$3.2M19.4%0.00%vs
Our Community Credit UnionCredit union Shelton, WA82 out of 100, Strong$638.3M12.7%0.48%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Newrizons Federal Credit UnionCredit union Hoquiam, WA72 out of 100, Strong$18.9M20.2%1.30%vs
Longshore Federal Credit UnionCredit union Hoquiam, WA69 out of 100, Moderate$8.0M9.2%0.00%vs
1st Security Bank of WashingtonBank Mountlake Terrace, WA67 out of 100, Moderate$3.2B11.4%0.58%vs