This institution is no longer active

Operations ceased on June 26, 2009. CRA examination history below reflects the period it was active.

TIMBERLAND BANK

EL DORADO, AR · Supervised by FDIC

Est. 2000FDIC #57,024RSSD: FDIC-57024

Part ofTIMBERLAND BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: January 2008

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.15%

Is this bank safe?

TIMBERLAND BANK holds a Satisfactory CRA rating (2008), shows financial metrics that merit closer review (ROA -0.15%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

2421 North West Avenue, EL DORADO, AR

County

Union County

Established

August 25, 2000

Total Assets

$135M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 7, 2008

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 18 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2009Call Report / FDIC

Total Assets

$135M

Total Deposits

$101M

Net Loans

$94M

Net Income

$-51K

ROA

-0.15%

Below avg for Small banks. Peer avg: 0.44%

ROE

-1.64%

Risk-Based Capital

13.14%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-0.15%Peer avg: 0.44%▼ Below avg

Risk-Based Capital13.14%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate11.48%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	357	65.27%	11.48%
2020	1,224	68.79%	8.91%
2019	726	66.94%	14.33%
2018	664	68.67%	15.81%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jan 2008	Satisfactory	Small Bank
Mar 2003	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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