Timberland Bank

Headquarters: Hoquiam, Washington
Charter: Bank
Assets: $2.1B
Fed district: San Francisco
Regulator: FDIC
Holding company: Timberland Bancorp Inc.

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 16, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 16, 2026

How these figures are measured

Call-report figures are for Timberland Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Timberland Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 16, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Timberland Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $956K in Q2 2026, 1.0% below the same quarter a year earlier ($966K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Timberland Bank: $9.95
Timberland Bank: $9.95
U.S. median: no median
NSF / Returned Item
Timberland Bank: $30
Timberland Bank: $30
U.S. median: no median
Non-Network ATM
Timberland Bank: $2
Timberland Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 3.5% from Q3 2025 to Q2 2026, to $956K.

Service-charge income, Q2 2026

$956K

$991KQ3 2025

$989KQ4 2025

$934KQ1 2026

$956KQ2 2026

Against the median

Timberland BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Timberland Bank · $2.1B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$2B to $2.2B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Timberland Bank(this institution)	Hoquiam, WA	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Beneficial State Bank	Oakland, CA	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Blackhawk Bank & Trust	Milan, IL	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Commerce Bank	Lakewood, NJ	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Fed Bank	Port Angeles, WA	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First Financial Bank	El Dorado, AR	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank	Fort Pierre, SD	$2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First United Bank & Trust	Oakland, MD	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Florence Bank	Florence, MA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Gateway First Bank	Jenks, OK	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
IncredibleBank	Wausau, WI	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kish Bank	Belleville, PA	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Marquette Bank	Chicago, IL	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Montecito Bank & Trust	Santa Barbara, CA	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Norway Savings Bank	Norway, ME	$2.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Oak Valley Community Bank	Oakdale, CA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Opportunity Bank of Montana	Helena, MT	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Square Financial Services, Inc.	Salt Lake City, UT	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Starion Bank	Bismarck, ND	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Conway National Bank	Conway, SC	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Farmers & Merchants Bank	Stuttgart, AR	$2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank in Sioux Falls	Sioux Falls, SD	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Lyons National Bank	Lyons, NY	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Village Bank	Newton, MA	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tri City National Bank	Oak Creek, WI	$2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank	Zebulon, GA	$2.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.45 (33%) above the median of similar-sized banks.

Its published price is $9.95, against a peer median of $7.50 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Timberland BankPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Timberland Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $956K
vs prior quarter: +$22K+2.4%; from Q1 2026
vs a year earlier: −$10K−1.0%; from Q2 2025
vs start of range: −$81K−7.8%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Timberland Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$956K	+$22K	+2.4%
Q1 2026	$934K	−$55K	−5.6%
Q4 2025	$989K	−$2K	−0.2%
Q3 2025	$991K	+$25K	+2.6%
Q2 2025	$966K	+$7K	+0.7%
Q1 2025	$959K	−$40K	−4.0%
Q4 2024	$999K	−$38K	−3.7%
Q3 2024	$1.0M	+$23K	+2.3%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Timberland Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee$9.95
per month
Dormant Account Fee - This is a monthly fee that applies to a checking or savings account$7.50
per month
Research Fee - Minimum 1 Hour Charge$30
Not compared: Charged per hour; comparison unavailable
per hour
Mailed statements available$1
per month
Paper Statement Fee$1
per item

Overdraft & NSF

Non-Sufficient Funds (NSF) Fee - Check or ACH$30

ATM & Card

Foreign ATM Fees - Inquiry, Transfer, Withdrawal$2

Wire Transfers

Outgoing Wire Transfers: Domestic$25
Outgoing Wire Transfers: International$45

Check Services

Money Orders$5
Stop Pay a Check and Reissue$35
per item
Stop Payment Fee$30
Counter Checks$2

Digital & Electronic

Funds Disbursed to an External Account via ACH$20
per transaction

Cash & Deposit

Chargeback Fee - Return Deposit Item$7.50
Chargeback Payment – Charge to Remitter$35
per item

Account Services

Safe Deposit Box$10
per year
Legal Process - Levies, Liens, Garnishments$100
per item
Verification of Mortgage$25
per item

Other Fees

Statement Reprints (per statement)$2
Set Up Fee – No Reserves (No Escrow, No Impounds)$250
one time
Set Up Fee– With Reserves (Escrow, Impound-Insurance/Tax)$350
one time

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$9.95	per month	None
Dormant Account Fee - This is a monthly fee that applies to a checking or savings account	$7.50	per month	None
Research Fee - Minimum 1 Hour Charge	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed statements available	$1	per month	None
Paper Statement Fee	$1	per item	None
Overdraft & NSF
Non-Sufficient Funds (NSF) Fee - Check or ACH	$30	Not stated	None
ATM & Card
Foreign ATM Fees - Inquiry, Transfer, Withdrawal	$2	Not stated	None
Wire Transfers
Outgoing Wire Transfers: Domestic	$25	Not stated	None
Outgoing Wire Transfers: International	$45	Not stated	None
Check Services
Money Orders	$5	Not stated	None
Stop Pay a Check and Reissue	$35	per item	None
Stop Payment Fee	$30	Not stated	None
Counter Checks	$2	Not stated	None
Digital & Electronic
Funds Disbursed to an External Account via ACH	$20	per transaction	None
Cash & Deposit
Chargeback Fee - Return Deposit Item	$7.50	Not stated	None
Chargeback Payment – Charge to Remitter	$35	per item	None
Account Services
Safe Deposit Box	$10	per year	None
Legal Process - Levies, Liens, Garnishments	$100	per item	None
Verification of Mortgage	$25	per item	None
Other Fees
Statement Reprints (per statement)	$2	Not stated	None
Set Up Fee – No Reserves (No Escrow, No Impounds)	$250	one time	None
Set Up Fee– With Reserves (Escrow, Impound-Insurance/Tax)	$350	one time	None

Correct a fee source

Oct 16, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Timberland Bank operates, and what regulators and customers have on file.

Holding company

TIMBERLAND BANCORP INC (Nasdaq: TSBK)

Consolidated assets

$2.1B

Shareholders' equity

$273.2M

As of

2026Q2

Net income by quarter

Recent SEC filings

8-KFORM 8-K2026-11-02View
10-Q10-Q2026-08-07View
8-KPeriod 2026-07-282026-07-29View
10-Q10-Q2026-05-07View
8-KPeriod 2026-04-282026-04-30View
10-Q10-Q2026-02-06View
8-KPeriod 2026-01-272026-01-29View
8-KPeriod 2026-01-262026-01-27View
8-KPeriod 2026-01-012026-01-07View
DEF 14ADEF 14A2025-12-17View
8-KPeriod 2025-12-112025-12-11View
10-K10-K2025-12-09View

Source: SEC EDGAR filings and XBRL financial data, CIK 1046050. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

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