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Timberland Bancorp (TSBK) investor relations material
Timberland Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary31 Oct, 2025
Executive summary
Net income for fiscal year 2025 rose 20% year-over-year to $29.16 million, with EPS up 22% to $3.67.
Q4 net income increased 19% sequentially and 33% year-over-year to $8.45 million; EPS up 19% sequentially and 35% year-over-year to $1.07.
Total assets surpassed $2 billion for the first time, growing 3% from the prior quarter and 5% year-over-year.
Announced an 8% increase in the quarterly cash dividend and plans to open a new branch in University Place.
Financial highlights
Operating revenue for Q4 increased 10% sequentially and 15% year-over-year to $22.49 million.
Net interest income for Q4 rose 4% sequentially and 11% year-over-year to $18.40 million.
Non-interest income for Q4 increased 42% sequentially and 40% year-over-year, driven by a $1.04 million BOLI death benefit claim.
Total deposits grew 3% sequentially and 4% year-over-year to $1.72 billion.
Net loans receivable increased 2% sequentially and 3% year-over-year to $1.46 billion.
Outlook and guidance
Management expressed confidence in continued margin performance and balance sheet growth, supported by strong liquidity and disciplined asset-liability management.
The Board's 8% dividend increase reflects confidence in the long-term outlook.
What caused the non-accrual loan increase?
HTM unrealized loss impact on capital ratio?
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Frequently asked questions
Timberland Bancorp, Inc. is the holding company for Timberland Bank, a community-oriented bank providing a range of banking services primarily to individuals and small to medium-sized businesses. The bank offers traditional financial products, including checking and savings accounts, mortgage and consumer loans, as well as commercial real estate and business lending. It also provides online and mobile banking services to enhance customer convenience. Timberland Bancorp operates through multiple branch locations, mainly serving communities in western Washington. The company is headquartered in Hoquiam, Washington, and its shares are listed on the NASDAQ.
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