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Overview / Commentary
633 24 Road
Grand Junction, CO 81505

Timberline Bank is headquartered in Grand Junction and is the 46th largest bank in the state of Colorado. It is also the 3,367th largest bank in the nation. It was established in 2004 and as of March of 2014, it had grown to 32 employees at 3 locations. Timberline Bank has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Timberline Bank had $3.18 million in non-current loans and owned real-estate with $19.71 million in equity and loan loss allowances on hand to cover it. This gives Timberline Bank a Texas Ratio of 16.12% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Timberline Bank experienced no significant changes from 16.33% as of March 31, 2013 to 16.12% as of March 31, 2014, resulting in a positive change of 1.26%.This indicates that the balance sheet and financial strength for Timberline Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Timberline Bank has increased its total deposits by $17.68 million, resulting in 13.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Timberline Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Timberline Bank has $172.8 million in assets with $19.71 million in equity, resulting in a capitalization level of 11.41%, which is excellent.

Institution Statistics

FDIC Certificate #57857
Year Established2004
Primary RegulatorFDIC
Assets and Liabilities
Assets$172.80 million
Loans$116.51 million
Deposits$150.31 million
Equity Capital$17.37 million
Loan Loss Allowance$2.35 million
Unbacked Noncurrent Loans$3.00 million
Real Estate Owned$180,000
Historic Data - March 2013
Assets$157.79 million
Equity Capital$17.10 million
Loan Loss Allowance$2.39 million
Unbacked Noncurrent Loans$3.00 million
Real Estate Owned$180,000
Profit Margin - Quarterly
Net Interest Margin3.86%
Return on Assets0.72%
Return on Equity7%
Interest Income$1.67 million

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Timberline Bank Savings Account Rates

0.10%$5k-Health Savings Account
0.09%$5k-Evergreen Savings
0.05%$1k-Timberline Business Plus
0.05%$200-Business Savings

Timberline Bank Money Market Rates

0.13%$100k-Personal Timberline Money Market
0.13%$100k-Business Timberline Money Market

Timberline Bank Checking Account Rates

0.13%$100k-Evergreen Interest Checking

Timberline Bank CD Rates

0.89%$1k-60 Month CD
0.84%--5 Year CDARS
0.59%$1k-48 Month CD
0.52%--3 Year CDARS
0.48%$1k-36 Month CD
0.35%$1k-24 Month CD
0.31%--2 year CDARS
0.19%$1k-12 Month CD
0.18%--52 weeks CDARS
0.14%$1k-6 Month CD
0.07%--26 weeks CDARS
0.06%$1k-30 Day CD
0.06%$1k-3 Month CD
0.05%--13 weeks CDARS
0.04%--4 weeks CDARS

Timberline Bank Locations
Timberline Bank633 24 RoadGrand Junction, CO 81505
Aspen Branch720 East Hyman AvenueAspen, CO 81611
Montrose BranchOxbow DriveMontrose, CO 81401