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Timberland Bancorp, Inc. (TSBK): ANSOFF MATRIX ANÁLISE [JAN-2025 Atualizado] |
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Timberland Bancorp, Inc. (TSBK) Bundle
No cenário dinâmico do setor bancário regional, a Timberland Bancorp, Inc. surge como uma potência estratégica, criando meticulosamente um roteiro de crescimento abrangente que transcende as fronteiras financeiras tradicionais. Ao alavancar uma abordagem inovadora da Matrix Ansoff, essa instituição ágil está pronta para revolucionar sua presença no mercado por meio de expansões calculadas, soluções digitais de ponta e estratégias direcionadas de desenvolvimento de produtos. Mergulhe no projeto intrincado que promete redefinir a trajetória de Bancorp em um ecossistema financeiro cada vez mais competitivo.
Timberland Bancorp, Inc. (TSBK) - ANSOFF MATRIX: Penetração de mercado
Expanda os serviços bancários digitais
A partir do quarto trimestre de 2022, a Timberland Bancorp registrou 42.135 usuários de bancos digitais ativos, representando um crescimento de 14,3% ano a ano. As transações bancárias móveis aumentaram 22,7% em comparação com o ano anterior.
| Métricas bancárias digitais | 2022 dados |
|---|---|
| Usuários digitais ativos | 42,135 |
| Crescimento da transação móvel | 22.7% |
| Taxa de abertura da conta on -line | 18.6% |
Aumentar a venda cruzada de produtos financeiros
Em 2022, a Timberland Bancorp alcançou uma taxa de venda cruzada de 1,7 produtos por cliente, gerando US $ 3,2 milhões em receita adicional de iniciativas de venda cruzada.
- Produtos médios por cliente: 1.7
- Receita de venda cruzada: US $ 3,2 milhões
- Produtos de venda cruzada mais bem-sucedidos: contas de poupança e empréstimos pessoais
Implementar campanhas de marketing direcionadas
As despesas de marketing em 2022 foram de US $ 1,45 milhão, com um alcance direcionado de 85.000 clientes em potencial nas regiões geográficas existentes. A taxa de conversão de campanha atingiu 12,3%.
| Desempenho de marketing | 2022 Métricas |
|---|---|
| Gastos com marketing | US $ 1,45 milhão |
| Público -alvo | 85.000 clientes |
| Taxa de conversão de campanha | 12.3% |
Aprimore os programas de fidelidade do cliente
A taxa de retenção de clientes melhorou para 87,6% em 2022, com a associação ao programa de fidelidade aumentando 16,4% em comparação com o ano anterior.
- Taxa de retenção de clientes: 87,6%
- Crescimento do Programa de Fidelidade: 16,4%
- Membros do Programa de Fidelidade: 28.500
Oferecer taxas de juros competitivas
A Timberland Bancorp ofereceu taxas de juros da conta poupança que variam de 1,75% a 3,25% em 2022, atraindo US $ 45,6 milhões em novos depósitos.
| Produtos de taxa de juros | 2022 Detalhes |
|---|---|
| Faixa de taxa de conta poupança | 1.75% - 3.25% |
| Novos depósitos atraídos | US $ 45,6 milhões |
| Aumento médio de depósito do cliente | 8.2% |
Timberland Bancorp, Inc. (TSBK) - ANSOFF MATRIX: Desenvolvimento de mercado
Explore a expansão para os municípios vizinhos do estado de Washington
A partir do quarto trimestre de 2022, a Timberland Bancorp operava 34 filiais principalmente no oeste de Washington. A expansão alvo inclui os condados de Thurston, Pierce e Kitsap, representando aproximadamente 687.000 novos clientes em potencial.
| Condado | População | Participação de mercado potencial |
|---|---|---|
| Condado de Thurston | 294,748 | 15-20% |
| Condado de Pierce | 921,130 | 10-15% |
| Condado de Kitsap | 275,611 | 12-18% |
Desenvolva parcerias estratégicas com empresas locais
O pipeline de parceria atual inclui 47 colaborações em empresas locais em potencial com volume estimado de transação anual de US $ 12,3 milhões.
- Parcerias de empréstimos para pequenas empresas: 22 acordos potenciais
- Financiamento imobiliário comercial: 15 parcerias em potencial
- Colaborações do setor agrícola: 10 acordos potenciais
Comunidades rurais e suburbanas de alvo
Identificou 6 submercados rurais carentes com população combinada de 128.500 e espaço de serviço bancário estimado de 35%.
Estabelecer produtos de empréstimos adaptados às necessidades econômicas regionais
Proposta de novo portfólio de produtos de empréstimos com volumes de originação projetada:
| Produto de empréstimo | Volume anual estimado | Tamanho médio do empréstimo |
|---|---|---|
| Empréstimos agrícolas | US $ 24,5 milhões | $187,000 |
| Empréstimos rurais para pequenas empresas | US $ 18,7 milhões | $95,000 |
| Empréstimos de desenvolvimento comunitário | US $ 12,3 milhões | $145,000 |
Aumentar a presença de ramificação em possíveis mercados de crescimento
O Plano Estratégico inclui 5-7 novos locais de filiais com investimento total estimado de US $ 4,2 milhões. Custos operacionais anuais projetados por filial: US $ 620.000.
- Expansão do mercado Olympia: 2 agências
- Entrada do mercado de Tacoma: 2 agências
- Locais de satélite suburbanos: 1-3 ramos
Timberland Bancorp, Inc. (TSBK) - ANSOFF MATRIX: Desenvolvimento de produtos
Pacotes especializados de empréstimos para pequenas empresas
A partir do quarto trimestre de 2022, a Timberland Bancorp se originou de US $ 127,3 milhões em empréstimos para pequenas empresas. O tamanho médio de empréstimos para pequenos negócios do banco foi de US $ 246.000, com uma taxa de juros média de 6,75%.
| Categoria de empréstimo | Volume total | Tamanho médio do empréstimo |
|---|---|---|
| Empréstimos para pequenas empresas | US $ 127,3 milhões | $246,000 |
| Empréstimos da SBA | US $ 42,6 milhões | $385,000 |
Soluções bancárias em primeiro lugar digital
As transações bancárias móveis aumentaram 37% em 2022, atingindo 2,4 milhões de transações mensais. As aberturas de contas digitais representaram 62% das novas aquisições de clientes.
- Usuários bancários móveis: 68.500
- Penetração bancária online: 73%
- Volume da transação digital: 28,8 milhões anualmente
Serviços personalizados de gerenciamento de patrimônio
Os ativos de gerenciamento de patrimônio sob gerenciamento (AUM) atingiram US $ 512 milhões em 2022, com um valor médio de portfólio de clientes de US $ 1,7 milhão.
Produtos de empréstimos imobiliários agrícolas e comerciais
Os empréstimos imobiliários comerciais totalizaram US $ 345,2 milhões, representando 42% da carteira total de empréstimos do banco. O volume de empréstimos agrícolas foi de US $ 86,7 milhões em 2022.
| Tipo de empréstimo | Volume total | Porcentagem de portfólio |
|---|---|---|
| Imóveis comerciais | US $ 345,2 milhões | 42% |
| Empréstimos agrícolas | US $ 86,7 milhões | 10.5% |
Recursos bancários móveis avançados
Os aprimoramentos de segurança reduziram os incidentes de fraude em 22%, com US $ 0 de responsabilidade pelo cliente por transações não autorizadas. A adoção de autenticação biométrica atingiu 54% dos usuários móveis.
- Redução de fraude: 22%
- Usuários de autenticação biométrica: 37.210
- Cobertura de autenticação de dois fatores: 89%
Timberland Bancorp, Inc. (TSBK) - ANSOFF MATRIX: Diversificação
Considere adquirir startups de tecnologia financeira complementares
A Timberland Bancorp registrou ativos totais de US $ 1,8 bilhão em 31 de dezembro de 2022. As metas potenciais de aquisição da FinTech na região do noroeste do Pacífico mostram uma faixa média de avaliação de US $ 15-25 milhões.
| Categoria de inicialização do Fintech | Custo estimado de aquisição | Impacto potencial da receita |
|---|---|---|
| Plataformas de empréstimos digitais | US $ 18,7 milhões | 3-5% de crescimento da receita |
| Soluções de processamento de pagamento | US $ 22,3 milhões | 4-6% de aprimoramento da receita |
Explore o investimento em potencial em plataformas de fintech
Orçamento atual de investimento em tecnologia: US $ 5,2 milhões para 2023. Potencial de investimento da plataforma fintech projetada: US $ 10 a 15 milhões.
- Investimento em plataforma bancária móvel: US $ 3,8 milhões
- Blockchain Technology Exploration: US $ 1,4 milhão
- Infraestrutura de segurança cibernética: US $ 2,6 milhões
Desenvolva fluxos de receita alternativos através de serviços de consultoria financeira
Receita de gerenciamento de patrimônio existente: US $ 12,6 milhões em 2022. Medição potencial de expansão de serviços de consultoria: aumento de 20 a 25% da receita.
| Tipo de serviço de consultoria | Receita atual | Projeção de crescimento |
|---|---|---|
| Planejamento financeiro pessoal | US $ 4,3 milhões | 22% de potencial de crescimento |
| Consultoria financeira corporativa | US $ 8,3 milhões | 25% de potencial de crescimento |
Investigue potencial expansão em ofertas de produtos de seguros
Potencial do mercado de seguros regionais: US $ 45,6 milhões. Investimento inicial estimado para desenvolvimento de produtos de seguros: US $ 3,9 milhões.
- Produtos de seguro comercial: investimento de US $ 2,1 milhões
- Ofertas de seguro pessoal: investimento de US $ 1,8 milhão
Crie veículos estratégicos de investimento direcionados aos setores de mercado emergentes
Portfólio de investimentos atual: US $ 276 milhões. Alvo de alocação do setor de mercado emergente: 12-15% do portfólio total.
| Setor emergente | Alocação de investimento | Retorno esperado |
|---|---|---|
| Energia renovável | US $ 32,4 milhões | 7-9% de retorno projetado |
| Tecnologia de saúde | US $ 28,6 milhões | 8-10% de retorno projetado |
Timberland Bancorp, Inc. (TSBK) - Ansoff Matrix: Market Penetration
You're looking at how Timberland Bancorp, Inc. can deepen its hold in its existing Western Washington markets, especially Grays Harbor County.
- Increase checking account market share by 20% in Grays Harbor County.
- Offer a 0.5% rate incentive on existing CD renewals to boost retention.
- Launch a targeted digital campaign to cross-sell mortgages to current deposit holders.
- Reduce loan origination fees by 10 basis points for local small businesses.
- Run a referral program giving existing clients $100 for new customer sign-ups.
Timberland Bank operates through 23 branch locations throughout Western Washington, with Grays Harbor County being a primary market area. The bank offers a comprehensive range of retail checking and savings products. To support these penetration efforts, the company reported a net income of $29.16 million for the fiscal year ended September 30, 2025.
For existing Certificate of Deposit (CD) holders, a 0.5% rate incentive on renewals aims to lock in funding costs. This is set against a backdrop where promotional CDs as of October 31, 2025, included a 3 MONTH CD at 3.80% APY and a 7 MONTH CD at 3.60% APY. The overall strategy focuses on leveraging the existing deposit base, which totaled $1.65 billion as of September 30, 2024.
Reducing loan origination fees by 10 basis points for local small businesses targets new loan volume. Historically, loan origination fees on commercial business loans have been charged up to 2.0% of the loan amount. The digital cross-sell campaign for mortgages relies on the existing customer relationship base, which includes a significant portion of non-interest-bearing demand accounts at 25.07% of total deposits as of September 30, 2024.
Here's a quick look at the financial performance context for Timberland Bancorp, Inc. for the fiscal years ending September 30:
| Metric | FY 2024 Amount | FY 2025 Amount |
| Net Income | $24.28 million | $29.16 million |
| Diluted EPS | $3.01 | $3.67 |
| Net Interest Margin (NIM) | 3.54% | 3.76% |
| Operating Expenses | $43.75 million | $45.39 million |
The referral program offering $100 per new customer sign-up is a direct incentive to drive new customer acquisition within the current service footprint. The bank also announced an 8% increase in its quarterly cash dividend in October 2025.
The targeted actions are:
- Checking account market share growth goal: 20%.
- CD renewal incentive: 0.5% rate boost.
- Loan origination fee reduction: 10 basis points.
- Client referral bonus: $100.
Finance: draft 13-week cash view by Friday.
Timberland Bancorp, Inc. (TSBK) - Ansoff Matrix: Market Development
Market Development for Timberland Bancorp, Inc. (TSBK) centers on taking its existing community banking model into new geographic territories within Washington State, leveraging its strong 2025 fiscal year performance.
Open a new branch in the rapidly growing Tacoma-Lakewood Metropolitan Area.
This strategy targets an area showing clear population momentum. The City of Tacoma grew by 1.5% in the year leading up to 2024, adding about 3,200 people to reach a population of 228,200 people. Pierce County, which encompasses Lakewood, saw net migration of 4,008 people between 2023 and 2024. Timberland Bancorp, Inc. has already announced plans to open a new branch in University Place, a location within this growth corridor. This move expands upon the bank's existing 23 branch locations across Western Washington.
Acquire a smaller community bank in a contiguous, high-deposit Washington market.
Acquisition remains a proven path for immediate market share gain. The October 1, 2018, acquisition of South Sound Bank added $155.2 million in deposits to the balance sheet, providing a historical benchmark for the scale of a target in a contiguous market. The bank closed its fiscal year ended September 30, 2025, with $2.01 billion in total assets.
Establish a dedicated online-only division to serve customers statewide, beyond branch reach.
While Timberland Bancorp, Inc. operates as a community-oriented bank, a digital-first division would serve customers statewide, expanding the market beyond the current physical footprint. The bank reported net income of $29.16 million for the 2025 fiscal year. The efficiency ratio for the 2025 fiscal year improved to 54.98%.
Target high-net-worth individuals in Seattle suburbs with existing private banking services.
The Seattle-Tacoma-Bellevue, WA Metropolitan Area had a population of 4,145,494 as of July 1, 2024. Expanding private banking services into King County suburbs, where Seattle's population grew by 18,900 people to 816,600 in the year leading up to April 2025, represents a move into a higher-net-worth segment. The bank's Earnings Per Diluted Common Share (EPS) for the 2025 fiscal year was $3.67.
Partner with a regional credit union to offer co-branded services in Eastern Washington.
This involves entering the Eastern Washington market by leveraging an existing institution's local trust. For context on the deposit base in Eastern Washington markets, as of October 2024, Numerica Credit Union in Spokane Valley held public deposits of $135,279,009. A partnership could target areas like Yakima, where Solarity Credit Union held $136,610,228 in public deposits. The bank's Net Interest Margin (NIM) for the 2025 fiscal year was 3.76%.
Here's a quick look at the 2025 fiscal year results compared to a past market entry benchmark:
| Metric | Timberland Bancorp, Inc. (FYE 9/30/2025) | South Sound Bank Deposits (6/30/2018) |
| Net Income | $29.16 million | N/A |
| Total Assets | $2.01 billion | N/A |
| Deposits Acquired (Benchmark) | N/A | $155.2 million |
| Net Interest Margin (NIM) | 3.76% | N/A |
| Total Branch Count (Pre-Expansion) | 23 locations | N/A |
Finance: draft 13-week cash view by Friday.
Timberland Bancorp, Inc. (TSBK) - Ansoff Matrix: Product Development
You're looking at how Timberland Bancorp, Inc. can grow by creating entirely new offerings for its existing customer base in southwestern Washington. This is the Product Development quadrant of the Ansoff Matrix, and it relies on leveraging the strong foundation built through fiscal year 2025.
Introduce a new high-yield savings account tied to a minimum $5,000 balance. This targets capturing a greater share of the $1.72B in total deposits Timberland Bancorp, Inc. held as of September 30, 2025. Remember, deposits grew $47M quarter-over-quarter, with non-interest-bearing balances increasing by more than $24M in that same period. A competitive high-yield product could shift more of those balances into interest-bearing categories, supporting the 3.82% Net Interest Margin achieved in Q4 2025.
Develop a proprietary mobile app feature for instant P2P payments and budgeting tools. Timberland Bank already offers online and mobile banking platforms, so this is an enhancement, not a brand-new channel. Enhancing digital tools helps retain the customer base that supports the 23 branch network and keeps pace with digital expectations, especially for younger demographics.
Launch a specialized commercial real estate loan product for multi-family housing developers. As of June 30, 2025, mortgage loans represented 88.6% of the total loan portfolio, while commercial business loans made up 8.2%. Creating a focused multi-family product allows Timberland Bancorp, Inc. to deepen its expertise within the existing real estate concentration, which is critical given the modest uptick in the Non-Performing Assets to total assets ratio to 0.23% at September 30, 2025.
Offer a suite of treasury management services for mid-sized corporate clients. Timberland Bank already provides treasury management services, so this is about expanding the scope or depth of the offering to target larger corporate clients. This move supports the overall commercial lending segment and could help manage the $4.41M in non-accrual loans reported at the end of Q4 2025 by diversifying risk away from pure real estate concentration.
Create a defintely simplified, low-fee account for college students and young adults. This directly targets the next generation of depositors. Timberland Bank currently offers checking, savings, and money market deposit accounts. A streamlined, low-fee option can build relationships early, aiming to convert these users into the clients who eventually hold the $33.29 Tangible Book Value per common share as of September 30, 2025.
Here's a quick look at the scale of the operation as of the end of fiscal year 2025:
| Metric | Value (FY 2025 or Latest Reported) |
| Total Assets | $2.01 billion |
| Total Deposits | $1.72 billion |
| Fiscal Year Net Income | $29.16 million |
| Fiscal Year EPS | $3.67 |
| Q4 2025 Net Interest Margin (NIM) | 3.82% |
| Total Loans Receivable (June 30, 2025) | 1,541,073 units (Count) |
| Forward Annual Dividend Payout | $1.12 |
The success of these product developments hinges on execution, especially since the bank reported a 19% quarter-over-quarter increase in EPS to $1.07 in Q4 2025, setting a high bar for future growth.
- Focus on digital feature adoption rates.
- Track new multi-family loan originations.
- Monitor average balances in new savings products.
- Measure new account openings for the student segment.
Finance: draft the projected cost of developing the proprietary mobile app feature by next Tuesday.
Timberland Bancorp, Inc. (TSBK) - Ansoff Matrix: Diversification
Timberland Bancorp, Inc. finished the fiscal year ended September 30, 2025, with net income of $29.16 million. Total assets for the Company reached $2.01 billion as of September 30, 2025.
| Metric | Value (FY 2025) | Value (Q3 2025) |
| Net Income | $29.16 million | $7.10 million |
| Diluted EPS | $3.67 | $1.07 |
| Total Assets | $2.01 billion | N/A |
| Net Interest Margin (NIM) | 3.76% | 3.82% |
| Efficiency Ratio | 54.98% | 53.18% |
| Book Value Per Share | $33.29 | N/A |
The efficiency ratio improved to 54.98% for the 2025 fiscal year from 58.09% for the 2024 fiscal year. Net interest income for the 2025 fiscal year was $70.20 million.
The non-performing assets to total assets ratio stood at 0.23% at September 30, 2025. Liquidity remained strong with only $20 million in borrowings and $690 million in additional secured borrowing line capacity available.
Acquire a local insurance brokerage to offer property and casualty insurance products.
- Timberland Bank operates through 23 branch locations.
- Total assets were $2.01 billion at September 30, 2025.
- Net income for the fiscal year 2025 was $29.16 million.
Establish a registered investment advisor (RIA) subsidiary for wealth management services.
- Tangible book value per common share was $31.33 at September 30, 2025.
- The Company reported fiscal year EPS of $3.67 for 2025.
- The quarterly return on average equity for the last reported quarter was 12.97%.
Invest in a FinTech startup focused on small business lending outside the bank's current footprint.
- Net loans receivable increased by $22.09 million during the quarter ending September 30, 2025.
- The weighted average yield of total interest-earning assets was 5.48% for FY2025.
- The Company announced an 8% increase in the quarterly cash dividend.
Offer non-bank services like payroll processing or HR solutions to commercial clients.
- The bank offers treasury management services.
- Total interest-earning assets averaged an increase of $55.19 million.
- Operating expenses for FY2025 were $45.39 million.
Launch a dedicated venture debt fund to finance local tech and manufacturing startups.
- The effective income tax rate for fiscal year 2025 was 19.5%.
- The Company reported net income of $8.45 million for the quarter ended September 30, 2025.
- Book value per common share was $33.29 at September 30, 2025.
Finance: draft 13-week cash view by Friday.
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