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Community Reinvestment Public File

Timberline Bank Community Reinvestment Act Mission Statement

The Community Reinvestment Act (CRA) was implemented by the Federal Reserve as Regulation BB, with the intent to encourage all financial institutions to meet the credit needs of their communities including low-to-moderate-income individuals and geographies, small businesses, and community development organizations.


Timberline Bank CRA Mission:

Timberline Bank is committed to serving the credit needs of its CRA Assessment Areas, as well as complying with consumer and fair lending laws and regulations. Timberline is dedicated to helping meet the financial needs of our customers and providing essential support to organizations in the communities we serve while acting in a fair and equitable manner to help build a Better, Faster, Easier experience.

Our Core Values:
  1.  Exceeding Customers High Expectations

2. Empowering a Dedicated Team

3. Having Fun While Winning

4. Passionate about our Communities

5. Value Added Resource for our Customers (Trusted Advisor)


Timberline Bank is engaged in Community Development and continues to seek partnerships with the intention of expanding the Bank’s presence and commitment to underserved areas of the communities and economic development needs. The Bank will seek relationships with organizations to assist in developing and offering products/services that enhance the economic vitality of our communities. The Bank will continue to observe the following:

  • Ensure that products and services are responsive to the needs of the community, including Low-to-Moderate areas and residents and small businesses.
  • Provide loan products designed to meet the needs of the community
    Be responsive to community development needs.
  • Grant loans, investments, and donations in accordance with safe and sound banking practices
  • Ensure that customers within the Assessment Areas, including Low-to-Moderate tracts are familiar with the Bank’s offered products and services
  • Provide financial literacy, budgeting and money management programs and education that targets those with limited experience or information on banking practices.
  • Understand the needs of customers in low-to moderate income and minority areas within its assessment area by staff members being involved with community-based organizations who promote affordable housing, small business development, economic developments, and pathways to home ownership.

Timberline Community Memberships:

Timberline Bank is a proud member of the following:

  • Colorado Lawyer Trust Account Foundation (COLTAF) Prime Partner Program.
    • Timberline Bank is happy to support COLTAF in its mission to ensure that low-income Coloradans have access to critically needed civil legal aid.
  •  Palisade Chamber of Commerce
  • Grand Junction Chamber of Commerce
  • Fruita Area Chamber of Commerce
  • Western Colorado Latino Chamber of Commerce
  • Montrose Area Chamber of Commerce
  • Housing and Building Association of Western CO
  • Aspen Resort Chamber of Commerce
  • Grand Junction Area Realtor Association
  • Western Colorado Contractors Association
  • Montrose Giving Club


Program Administration:
The Bank’s CRA program is reviewed by the Board of Directors on an annual basis. The Bank strives to meet the community bank obligations to those within its communities and trade areas. The bank prides itself in contributing to many community organizations and non-profits. The Bank’s CRA public file maintains evidence of contributions and support the Bank provides. The public file is managed and maintained by the Risk Management Department and is available for viewing.


Services provided by Timberline Bank:
The Bank offer a wide array of deposit products including but not limited to:  

  • Checking Accounts, Money Market and Private Banking
  • Savings
  • Certificate of Deposits


The following credit services are offered within the Bank’s trade areas -

Real Estate Loans:

  • Commercial Real Estate
    • Commercial Development
    • Consumer Mortgage
    • HELOC

Consumer Loans:

  • New and Used Automobiles
  • Boats and Recreational Vehicles
  • Possessory Loans
  • Unsecured Personal Loans
  • UCC – Equipment, Inventory, etc

Commercial Loans: 

  • Agricultural Related Loans 



To view the Timberline Bank CRA Public File, please click the link below. 

Timberline Bank CRA Public File




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Routing # (ABA): 102107063


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