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Timberland Bank

IDRSSD: 294779
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 294779 held $2.0B in total assets as of 2026-03-31 (+2.0% quarter-over-quarter). Total loans stood at $1.5B (-0.7% QoQ) and total deposits at $1.7B (+2.2% QoQ).

Overall position is adequate — the composite Health Score is 63/100 (Adequate). Tier 1 / RWA stands at 20.26%, in the top quartile of peers. Asset quality (NPL ratio) sits in the below median of peers.

3 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
63/100
Adequate
Active Alerts
3
0 critical, 3 warning
Total Assets
$2.0B
+2.0% QoQ
Total Loans
$1.5B
-0.7% QoQ
Total Deposits
$1.7B
+2.2% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
20.26%
91th pctile · n=373↑ better
+40 bp QoQ
CET1 / RWA
20.26%
93th pctile · n=500↑ better
+40 bp QoQ
Total RBC / RWA
21.52%
91th pctile · n=373↑ better
+40 bp QoQ
Tier 1 Leverage Ratio
20.26%
93th pctile · n=500↑ better
+40 bp QoQ

Liquidity

Cash / Assets
14.30%
88th pctile · n=500↑ better
+239 bp QoQ
Loans / Deposits
83.30%
43th pctile · n=496↓ better
-243 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.64%
57th pctile · n=500↓ better
+35 bp QoQ
NPA / Assets
0.47%
54th pctile · n=500↓ better
+25 bp QoQ
Texas Ratio (regulatory)
3.49%
49th pctile · n=500↓ better
+183 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
29th pctile · n=500↓ better
ALLL Coverage of NPL
198.28%
51th pctile · n=500↑ better
-22481 bp QoQ

Earnings

Net Interest Margin
3.80%
59th pctile · n=500↑ better
-18 bp QoQ
Return on Assets
1.42%
66th pctile · n=500↑ better
-23 bp QoQ
Return on Equity
10.73%
44th pctile · n=500↑ better
-182 bp QoQ
Efficiency Ratio
54.74%
33th pctile · n=500↓ better
+267 bp QoQ
Pre-tax NOI / Avg Assets
1.78%
71th pctile · n=500↑ better
-30 bp QoQ

Funding

Brokered / Deposits
2.41%
53th pctile · n=496↓ better
+21 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
1.13%
46th pctile · n=500↓ better
-2 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
10.27%
30th pctile · n=500↑ better
-15 bp QoQ
AFS Securities / Assets
4.49%
19th pctile · n=500↑ better
+74 bp QoQ
HTM Securities / Assets
5.74%
87th pctile · n=500↑ better
-89 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 06:27:03 UTC