TellerScore

Timberline Bank (FDIC certificate #57857) is based in Grand Junction, Colorado. Its Q2 2026 call report shows $832.6M in total assets and $699.6M in deposits and 3 offices.

Based on its Q2 2026 filing, Timberline Bank scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 26th. Its strongest component is earnings (100/100; 2.12%), and its lowest is capital cushion (44/100; 9.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.38%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.06%
Earnings100/100
Return on assets (annualized): 2.12%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 91.8% · 32.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.49%

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 rose 12 points (63 → 75), mostly because the earnings component improved by 49 points.

TellerScore
616875Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202462
Q4 202461
Q1 202562
Q2 202563
Q3 202566
Q4 202565
Q1 202675
Q2 202675
Tier 1 leverage ratio
5.00%7.19%9.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.18%
Q3 20248.02%
Q4 20248.05%
Q1 20258.30%
Q2 20258.51%
Q3 20258.63%
Q4 20258.52%
Q1 20269.11%
Q2 20269.38%
Noncurrent loans
0.00%0.09%0.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.18%
Q1 20250.11%
Q2 20250.08%
Q3 20250.08%
Q4 20250.06%
Q1 20260.06%
Q2 20260.06%
Return on assets
0.56%1.83%3.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.56%
Q4 20240.61%
Q1 20250.57%
Q2 20250.79%
Q3 20251.01%
Q4 20251.05%
Q1 20263.11%
Q2 20262.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$832.6M9.38%0.06%2.12%91.8%
Q1 202675$828.6M9.11%0.06%3.11%84.6%
Q4 202565$819.5M8.52%0.06%1.05%90.0%
Q3 202566$781.5M8.63%0.08%1.01%88.6%
Q2 202563$783.9M8.51%0.08%0.79%92.1%
Q1 202562$758.5M8.30%0.11%0.57%83.0%
Q4 202461$776.6M8.05%0.18%0.61%76.9%
Q3 202462$791.5M8.02%0.00%0.56%77.3%
Q2 202463$754.1M8.18%0.00%0.57%78.9%

2,650 peers · $100 million – $1 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 ratio9.38%
19th
Total risk-based capital13.26%
58th
Problem loans0.06%
78th
Net charge-offs0.01%
45th
Return on assets2.12%
89th
Net interest margin4.41%
75th
Efficiency ratio49.4%
84th
Loans to deposits91.8%
23rd
Uninsured deposits32.3%
22nd
Loan-loss reserves1.20%
51st
Texas ratio0.5%
77th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
PB&T BankBank Pueblo, CO75 out of 100, Strong$815.2M10.6%0.54%vs
Points West Community BankBank Windsor, CO75 out of 100, Strong$877.6M9.2%0.06%vs
AMG National Trust BankBank Boulder, CO94 out of 100, Very strong$722.9M15.4%0.04%vs
The Eastern Colorado BankBank Cheyenne Wells, CO77 out of 100, Strong$720.9M11.3%0.00%vs
Yampa Valley BankBank Steamboat Springs, CO78 out of 100, Strong$687.6M9.4%0.09%vs
First Southwest BankBank Durango, CO86 out of 100, Very strong$657.5M15.3%0.04%vs

Deposit insurance

Is my money safe at Timberline Bank?

Yes. Timberline Bank is an FDIC-insured institution (FDIC certificate #57857). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.3% of deposits ($225.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.38%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.26% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Timberline Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Timberline Bank
Type
State-chartered bank
FDIC certificate #
57857
RSSD ID
3271986
Primary regulator
FDIC
Holding company
Timberline Bcorp
Established
October 25, 2004
Headquarters
649 Market St, Grand Junction, CO 81505
Employees
96

Quick answers

Timberline Bank: common questions

Is Timberline Bank FDIC insured?

Yes. Timberline Bank is an FDIC-insured institution (FDIC certificate #57857). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Timberline Bank's TellerScore?

75 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 Timberline Bank ever failed?

There is no failure record for FDIC certificate #57857 in the FDIC failed bank list.

How many branches does Timberline Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Grand Junction

InstitutionScoreAssetsCapitalProblem loansCompare
Rio Grande Federal Credit UnionCredit union Grand Junction, CO97 out of 100, Very strong$80.8M22.0%0.03%vs
Grand Junction Federal Credit UnionCredit union Grand Junction, CO83 out of 100, Strong$115.0M19.7%0.72%vs
Grand Valley BankBank Heber City, UT82 out of 100, Strong$599.4M11.5%0.02%vs
Bank of ColoradoBank Fort Collins, CO74 out of 100, Strong$7.6B10.5%0.10%vs
Alpine BankBank Glenwood Springs, CO73 out of 100, Strong$6.7B11.0%0.31%vs
Oakstar BankBank Springfield, MO69 out of 100, Moderate$3.3B9.8%0.48%vs