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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Colorado, the state note

Timberline Bank

Grand Junction, Colorado · $833M in assets · beside the 11 other Colorado banks between $300M and $1B

The filing

8.2%
Equity / assets
11th of 12
92.9%
Loans / deposits
10th of 12
49.4%
Efficiency
3rd of 12

Timberline Bank is the second largest of the 12 Colorado banks nearest its size between $300M and $1B, with $833M in assets at 30 June 2026. Loans are 92.9% of deposits, 10th of 12 against a median of 83.4%, and equity is 8.2% of assets, 11th of 12. Loans grew +6.4% in the year, 6th of 12, and deposits grew 6.7%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.06% of the book, 6th of 12 against a median of 0.07%; 0.00% is 30 to 89 days past due, and the allowance covers them 20.9 times. Commercial real estate is 23.6% of loans, 4th of 12 against a median of 25.9%, and 180% of capital, below the 300% screen, with construction at 56% against the 100% screen.

Return on assets is 2.14%, 4th of 12 against a median of 1.69%, on an efficiency ratio of 49.4%, 3rd of 12. Five years ago it was 2.12%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsCO banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 10.6% AN Amg National Trust Bank 17.1% FS First Southwest Bank 13.3% EC Eastern Colorado Bank 11.3% FN First National Bank Colorado 10.9% PT PB & Trust Bank 10.7% SB Stockmens Bank 10.6% MV Mountain Valley Bank 10.6% HP High Plains Bank 10.1% HC High Country Bank 9.3% YV Yampa Valley Bank 8.5% TB Timberline Bank 8.2% PW Points West Community Bank 7.9%
Loans, year over yearCO banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.3% HP High Plains Bank +27.3% SB Stockmens Bank +23.0% PT PB & Trust Bank +18.9% FN First National Bank Colorado +14.7% FS First Southwest Bank +8.7% TB Timberline Bank +6.4% YV Yampa Valley Bank +4.3% HC High Country Bank +3.5% MV Mountain Valley Bank +1.6% AN Amg National Trust Bank -0.7% PW Points West Community Bank -1.2% EC Eastern Colorado Bank -5.9%

SBA 7(a), FY2008 to FY2026

Timberline Bank is the 32nd largest 7(a) lender into Colorado of 401, with $79M across 196 loans, 0.6% of everything approved in the state (Wells Fargo Bank National Association leads with $1.20B). 11 of its 20 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Colorado, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Mesa, CO$38M1st of 6714.9%-27.1 pts
Montrose, CO$11M1st of 3913.4%-43.1 pts
Pitkin, CO$8M1st of 2018.5%thin
Garfield, CO$8M4th of 486.2%-6.5 pts
Eagle, CO$7M5th of 524.3%thin
San Francisco, CA$4M60th of 1400.3%quiet FY2021
Jefferson, CO$2M82nd of 1830.1%thin
Union, SD$1M7th of 242.4%quiet FY2018
Arapahoe, CO$1M118th of 1660.1%+0.1 pts
Delta, CO$991K15th of 262.5%thin
Denver, CO$909K134th of 1930.0%quiet FY2022
Ouray, CO$695K4th of 89.7%quiet FY2013
Stark, ND$533K11th of 202.2%quiet FY2014
7 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade33$16M18.7%0.03%359th of 2,589
Construction33$13M15.7%0.04%309th of 2,063
Accommodation & food services13$13M15.2%0.02%501st of 2,596
Real estate & leasing14$9M10.6%0.07%211th of 1,452
Manufacturing14$8M9.9%0.02%519th of 2,246
7(a) lenders into Colorado, share of approvals since FY2008401 lenders on record; the ten largest and Timberline Bank
WF Wells Fargo Bank National Associa… 9.6% $1.20B · 3,930 loans LO Live Oak Banking Company 7.6% $950M · 765 loans UB U.S. Bank, National Association 4.2% $527M · 3,267 loans HB Hanmi Bank 4.1% $513M · 612 loans SB Southstate Bank, National Associa… 3.3% $415M · 564 loans BB BMO Bank National Association 3.2% $398M · 568 loans Bo Bank of Hope 3.1% $393M · 559 loans KN KeyBank National Association 3.1% $384M · 1,029 loans JC JPMorgan Chase Bank, National Ass… 2.9% $364M · 1,874 loans TH The Huntington National Bank 2.9% $363M · 1,157 loans TB Timberline Bank 0.6% $79M · 196 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers; owner-occupied excluded; bold marks a screen met
Timberline BankRankCohort median
Total CRE against capital, the 300% screen180%8th of 12165%
Construction against capital, the 100% screen56%7th of 1254%
Construction and land development, share of loans7.3%2nd of 129.3%
Non-owner-occupied nonfarm nonresidential, share of loans13.7%7th of 1213.7%
Total CRE, the guidance definition, share of loans23.6%4th of 1225.9%
CRE growth over 36 months, the third prong+5.6%4th of 12+30.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Points West Community Bank$878M1.4%63.1%0.06%0.00%1.9%61.0%7.9%
Timberline Bank$833M2.1%49.4%0.06%0.01%1.2%92.9%8.2%
PB & Trust Bank$815M2.3%59.7%0.54%0.00%1.3%85.1%10.7%
Amg National Trust Bank$723M2.4%63.5%0.04%0.00%1.0%46.5%17.1%
Eastern Colorado Bank$721M1.1%67.6%0.00%0.00%1.4%75.4%11.3%
Yampa Valley Bank$688M2.3%49.3%0.09%0.01%1.4%87.5%8.5%
First Southwest Bank$657M0.6%79.9%0.04%0.05%1.3%69.5%13.3%
Stockmens Bank$651M1.5%54.0%0.18%0.00%1.6%98.1%10.6%
High Plains Bank$643M1.9%69.6%0.70%0.03%1.1%81.6%10.1%
First National Bank Colorado$634M2.1%46.7%0.00%0.01%1.7%78.6%10.9%
Mountain Valley Bank$557M0.9%68.2%0.19%0.08%1.1%92.1%10.6%
High Country Bank$528M1.1%71.3%1.34%0.00%1.2%99.0%9.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Timberline BankCohort median
20212026Change20212026Change
Loans$381M$650M+70%$300M$459M+53%
Deposits$498M$700M+41%$443M$580M+31%
NPA / loans0.00%0.06%+0.06 pts0.06%0.07%+0.01 pts
Efficiency47.1%49.4%+2.3 pts57.1%63.3%+6.2 pts
ROA2.12%2.14%+0.02 pts1.65%1.69%+0.04 pts

This read was prepared for Timberline Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Timberline Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CO banks $300M to $1B
Institution www.timberlinebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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