This institution is no longer active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%

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%

ROE

-1.64%

Risk-Based Capital

13.14%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate11.48%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	357	65.27%	11.48%
2023	481	66.11%	15.18%
2022	608	68.91%	13.16%
2021	940	68.72%	10.11%
2020	1,224	68.79%	8.91%
2019	726	66.94%	14.33%
2018	664	68.67%	15.81%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2003

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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