Financial Performance - Quarterly net income increased by 7% to $6.36 million, with EPS of $0.79, compared to $5.92 million and $0.74 in the previous quarter[1] - Fiscal year net income decreased by 10% to $24.28 million, with EPS of $3.01, down from $27.12 million and $3.29 in the previous fiscal year[2] - Operating revenue for the quarter increased by 4% to $19.48 million, while fiscal year revenue decreased by 5% to $75.30 million[7][10] - Non-interest income for the quarter increased by 5% to $2.93 million, while fiscal year non-interest income decreased slightly to $11.136 million[12][13] - Net income for Q4 2024 was $1,572 thousand, slightly up from $1,535 thousand in Q3 2024, reflecting a growth of 2.4%[41] - Basic net income per common share increased to $0.80 in Q4 2024 from $0.74 in Q3 2024, a rise of 8.1%[41] - Basic net income per common share decreased to $3.02 for the year ended September 30, 2024, down from $3.32 in the previous year, a decline of 9.0%[42] Asset and Loan Growth - Net loans increased by 9% year-over-year, totaling $1.42 billion, with a quarterly increase of 2% or $24.50 million[4][19] - Total assets increased by 1% to $1.92 billion during the quarter, with a year-over-year increase of 5%[6][17] - Loans receivable rose to $1,439,001,000 as of September 30, 2024, compared to $1,318,122,000 a year earlier, indicating an increase of 9.2%[43] - Total mortgage loans decreased to $1,207 million in Q4 2024 from $1,597 million in Q3 2024, a decline of 24.4%[34] - Timberland originated $48.82 million in loans during the quarter ended September 30, 2024, compared to $74.32 million for the preceding quarter[23] Deposit and Equity Changes - Total deposits increased by 6% year-over-year, reaching $1.5 billion, with a quarterly increase of 1% or $19 million[4][6] - Total deposits increased to $1,647,668,000 as of September 30, 2024, compared to $1,560,935,000 a year earlier, reflecting a rise of 5.5%[43] - Total shareholders' equity increased by $4.19 million, or 2%, to $245.41 million at September 30, 2024, from $241.22 million at June 30, 2024[30] - Shareholders' equity increased to $245,413 thousand in September 2024, up from $241,223 thousand in June 2024 and $233,073 thousand in September 2023, reflecting a year-over-year growth of 5.5%[52] Interest and Margin Analysis - Net interest margin improved to 3.58% for the quarter, up from 3.53% in the previous quarter, but down from 3.85% a year ago[5][8] - Total interest and dividend income increased to $25,035 thousand in Q4 2024, up 3.7% from $24,139 thousand in Q3 2024[41] - Net interest income after provision for credit losses was $16,057 thousand in Q4 2024, compared to $15,737 thousand in Q3 2024, an increase of 2%[41] - The company reported a net interest margin of 3.58% for the quarter ended September 30, 2024, compared to 3.53% in the previous quarter[44] Credit Quality and Risk Management - Non-performing assets to total assets ratio was 0.20% at September 30, 2024, compared to 0.22% at June 30, 2024[32] - Total delinquent loans increased by $244,000, or 6%, to $4.49 million at September 30, 2024, from $4.23 million at June 30, 2024[33] - The allowance for credit losses (ACL) for loans as a percentage of loans receivable was 1.21% at September 30, 2024[32] - Non-accrual loans decreased to $3,885 million in Q4 2024 from $4,120 million in Q3 2024, a reduction of 5.7%[36] - The allowance for credit losses to non-accrual loans ratio increased to 450% in Q4 2024 from 414% in Q3 2024, reflecting a conservative approach to credit risk management[46] Dividend and Shareholder Returns - A 4% increase in the quarterly cash dividend to $0.25 per share was announced, marking the 48th consecutive quarter of dividend payments[3] Economic Outlook - The company anticipates potential economic challenges, including inflation and credit risks, which may impact future performance[38]

Financial Performance - Timberland reported net income of $5.92 million, or $0.74 per diluted common share, for Q3 2024, a 4% increase in net income and a 6% increase in EPS compared to the prior quarter[2][11]. - For the first nine months of fiscal 2024, net income decreased 12% to $17.93 million, or $2.21 per diluted common share, compared to $20.48 million, or $2.47 per diluted common share for the same period in fiscal 2023[3][11]. - Net income for Q3 2024 was $5,924,000, a decrease of 6.0% from $6,306,000 in Q3 2023[38]. - Net income for the nine months ended June 30, 2024, was $17,928,000, down 12.5% from $20,476,000 in the same period of 2023[39]. - Basic net income per common share for Q3 2024 was $0.74, compared to $0.77 in Q3 2023[38]. Asset and Loan Growth - Net loans receivable increased by $38 million, or 3%, during the quarter, with year-over-year growth of 11%[5][6][19]. - Total mortgage loans increased to $1,323,338 thousand at June 30, 2024, up from $1,205,575 thousand a year ago, representing a growth of 9.8%[21]. - Timberland originated $74.32 million in loans during the quarter ended June 30, 2024, compared to $39.37 million in the previous quarter, marking an increase of 88.7%[22]. - Total assets decreased slightly by less than 1% during the quarter but increased by 5% year-over-year to $1.90 billion[17][11]. - Total assets as of June 30, 2024, were $1,900,629,000, a decrease from $1,907,234,000 in March 2024 and an increase from $1,807,713,000 in June 2023[40]. - Net loans receivable increased to $1,397,019,000 from $1,359,116,000 in March 2024, and from $1,260,647,000 in June 2023, reflecting a growth of 2.8% quarter-over-quarter and 10.8% year-over-year[40]. Deposits and Equity - Total deposits decreased by $10 million during the quarter but increased by 5% year-over-year[5][11]. - Total deposits decreased by $10.01 million, or 1%, to $1.63 billion at June 30, 2024, from $1.64 billion at March 31, 2024[24]. - Total shareholders' equity rose by $2.54 million, or 1%, to $241.23 million at June 30, 2024, driven by net income of $5.92 million for the quarter[28]. - Shareholders' equity grew to $241,223, up from $229,263 a year ago, reflecting an increase of 5.22%[49]. Interest and Income Metrics - The net interest margin improved to 3.53% for Q3 2024, up from 3.48% in the previous quarter, but down from 3.94% in the comparable quarter one year ago[5][11]. - Total interest and dividend income for Q3 2024 was $24,139,000, an increase of 26.5% compared to $19,889,000 in Q3 2023[38]. - The company reported a total interest expense of $8,158,000 in Q3 2024, up from $3,255,000 in Q3 2023, reflecting rising interest rates[38]. - For the nine months ended June 30, 2024, total interest and dividend income was $69,790,000, up 19.5% from $58,389,000 in the same period of 2023[39]. Credit Quality and Loss Provisions - A provision for credit losses of $264,000 was recorded for the quarter, compared to $166,000 in the previous quarter[13][11]. - Provision for credit losses on loans was $264,000 in Q3 2024, compared to $610,000 in Q3 2023, indicating improved credit quality[38]. - Non-performing assets to total assets ratio increased to 0.22% at June 30, 2024, compared to 0.19% at March 31, 2024[30]. - Total delinquent loans increased by $33,000, or 1%, to $4.23 million at June 30, 2024, with non-accrual loans rising by 14% to $4.12 million[31]. - The allowance for credit losses to loans receivable ratio was 1.21% in Q3 2024, consistent with 1.22% in Q2 2024 and slightly up from 1.20% in Q3 2023[41]. Efficiency and Ratios - The efficiency ratio improved to 58.97% for Q3 2024, down from 60.22% in the previous quarter[11][15]. - Return on average assets for Q3 2024 was 1.25%, up from 1.22% in Q2 2024 but down from 1.42% in Q3 2023[41]. - Return on average equity improved to 9.95% in Q3 2024 from 9.67% in Q2 2024, but decreased from 11.07% in Q3 2023[41]. - The efficiency ratio for Q3 2024 was 58.97%, an improvement from 60.22% in Q2 2024 but higher than 56.01% in Q3 2023[41]. Investment and Securities - Investment securities and CDs held for investment decreased by $23.01 million, or 8%, to $262.60 million at June 30, 2024[23]. - Total interest-earning assets reached $1,801,539, with an average interest rate of 5.17%, up from $1,722,265 and 4.52% in the prior year[45]. - Total interest-bearing deposits increased to $1,180,573, with an average interest rate of 2.42%, compared to $1,076,772 and 0.84% last year[45]. Capital Adequacy - The total risk-based capital ratio stood at 19.22% at June 30, 2024, indicating that Timberland remains well capitalized[29]. - The company continues to focus on enhancing capital adequacy through non-GAAP financial measures, providing a broader understanding of financial performance[46].

Core Viewpoint Timberland Bancorp, Inc. reported a net income of $5.92 million for the quarter ended June 30, 2024, reflecting a 4% increase from the previous quarter, but a 6% decrease compared to the same quarter last year. The company experienced improvements in net interest margin and loan portfolio growth, although overall earnings were lower than the previous year due to increased deposit costs impacting margins. Earnings Highlights - Net income for the quarter was $5.92 million, or $0.74 per diluted common share, up from $5.71 million and $0.70 per share in the prior quarter, but down from $6.31 million and $0.77 per share a year ago [1][10][12] - Earnings per diluted common share (EPS) increased by 6% from the previous quarter but decreased by 4% year-over-year [12] - For the first nine months of fiscal 2024, net income decreased by 12% to $17.93 million, or $2.21 per diluted common share, compared to $20.48 million, or $2.47 per share for the same period in fiscal 2023 [10][12] Balance Sheet Highlights - Total assets decreased by $6.61 million, or less than 1%, to $1.90 billion from the previous quarter, but increased by $92.92 million, or 5%, year-over-year [7][13] - Total deposits decreased by $10.01 million, or 1%, during the quarter, but increased by 5% year-over-year [34][13] - Total shareholders' equity increased by $2.54 million, or 1%, to $241.23 million at June 30, 2024 [37] Loan Portfolio - Net loans receivable increased by $37.90 million, or 3%, during the quarter, with an 11% increase year-over-year [27][10] - The loan portfolio growth was primarily driven by increases in commercial real estate, one- to four-family, and multi-family loans [2][27] - Timberland originated $74.32 million in loans during the quarter, compared to $39.37 million in the previous quarter [32] Non-Interest Income and Expenses - Non-interest income increased by $176,000, or 7%, to $2.79 million for the current quarter compared to the previous quarter [24] - Total operating (non-interest) expenses increased by $78,000, or 1%, to $11.07 million from the previous quarter [6][10] Asset Quality - Non-performing assets to total assets ratio was 0.22% at June 30, 2024, compared to 0.19% at March 31, 2024 [39] - Net charge-offs totaled $36,000 for the current quarter, up from $3,000 in the previous quarter [39][40] Dividend Announcement - The Board of Directors announced a quarterly cash dividend of $0.24 per share, marking the 47th consecutive quarter of dividend payments [11]

[Part I. Financial Information](index=4&type=section&id=PART%20I.%20FINANCIAL%20INFORMATION) [Financial Statements (Unaudited)](index=4&type=section&id=Item%201.%20Financial%20Statements%20(unaudited)) This section presents the unaudited consolidated financial statements, detailing financial position, operating results, and cash flows, including CECL adoption [Consolidated Balance Sheets](index=4&type=section&id=Consolidated%20Balance%20Sheets) This section presents the company's financial position, detailing assets, liabilities, and equity at period-end - Total assets increased by **3.7%** to **$1.91 billion** at March 31, 2024, from **$1.84 billion** at September 30, 2023, primarily driven by an increase in net loans receivable and cash equivalents, funded by a rise in total deposits[143](index=143&type=chunk) Consolidated Balance Sheet Summary (in thousands USD) | Account | March 31, 2024 (Unaudited) | September 30, 2023 | | :--- | :--- | :--- | | **Assets** | | | | Total cash and cash equivalents | $180,349 | $128,721 | | Loans receivable, net | $1,359,116 | $1,302,305 | | Investment securities (AFS & HTM) | $273,564 | $311,989 | | **Total Assets** | **$1,907,234** | **$1,839,905** | | **Liabilities & Equity** | | | | Total deposits | $1,638,554 | $1,560,935 | | FHLB borrowings | $20,000 | $35,000 | | **Total Liabilities** | **$1,668,555** | **$1,606,832** | | **Total Shareholders' Equity** | **$238,679** | **$233,073** | | **Total Liabilities & Equity** | **$1,907,234** | **$1,839,905** | [Consolidated Statements of Income](index=6&type=section&id=Consolidated%20Statements%20of%20Income) This section details the company's revenues, expenses, and net income over specific periods - Net income for the quarter ended March 31, 2024, decreased by **14.3%** year-over-year, primarily due to a significant increase in interest expense which compressed net interest income, partially offset by a lower provision for credit losses[170](index=170&type=chunk) Income Statement Highlights (in thousands USD, except per share data) | Metric | Q2 2024 | Q2 2023 | Change | 6 Months 2024 | 6 Months 2023 | Change | | :--- | :--- | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $15,635 | $17,151 | -8.8% | $31,639 | $34,894 | -9.3% | | Provision for Credit Losses | $81 | $475 | -82.9% | $417 | $1,000 | -58.3% | | **Net Income** | **$5,708** | **$6,663** | **-14.3%** | **$12,004** | **$14,169** | **-15.3%** | | Diluted EPS | $0.70 | $0.80 | -12.5% | $1.47 | $1.70 | -13.5% | [Consolidated Statements of Cash Flows](index=10&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) This section outlines the sources and uses of cash from operating, investing, and financing activities - For the six months ended March 31, 2024, the company experienced a net increase in cash and cash equivalents of **$51.6 million**, driven by strong net cash from financing activities (**$56.2 million**) primarily from an increase in deposits, offsetting net cash used in operating and investing activities[27](index=27&type=chunk) Cash Flow Summary for Six Months Ended March 31 (in thousands USD) | Cash Flow Category | 2024 | 2023 | | :--- | :--- | :--- | | Net cash provided by operating activities | $8,975 | $15,364 | | Net cash used in investing activities | ($13,506) | ($100,772) | | Net cash provided by (used in) financing activities | $56,159 | ($88,864) | | **Net increase (decrease) in cash** | **$51,628** | **($174,272)** | [Notes to Unaudited Consolidated Financial Statements](index=12&type=section&id=Notes%20to%20Unaudited%20Consolidated%20Financial%20Statements) This section provides detailed disclosures on accounting policies, financial statement line items, and the impact of CECL adoption - Effective October 1, 2023, the Company adopted ASU 2016-13 (CECL), resulting in a cumulative effect adjustment that increased the ACL on loans by **$461,000**, the ACL on investment securities by **$92,000**, and the ACL on unfunded commitments by **$65,000**, with a net-of-tax charge of **$488,000** to retained earnings[118](index=118&type=chunk) - The loan portfolio is primarily composed of mortgage loans (**87.6%**), with commercial real estate loans representing the largest single category at **39.6%** of total loans receivable[53](index=53&type=chunk) - The investment securities portfolio is primarily composed of U.S. Treasury, government agency, and mortgage-backed securities, with gross unrealized losses of **$11.34 million** in held-to-maturity and **$977,000** in available-for-sale categories as of March 31, 2024, primarily due to interest rate changes[31](index=31&type=chunk)[32](index=32&type=chunk) [Management's Discussion and Analysis (MD&A)](index=44&type=section&id=Item%202.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) This section provides management's perspective on the company's financial condition, operating results, and liquidity, highlighting key performance drivers and trends [Comparison of Financial Condition](index=47&type=section&id=Comparison%20of%20Financial%20Condition) This section analyzes changes in the company's balance sheet, including assets, liabilities, and equity over time - Total assets grew by **$67.33 million** (**3.7%**) to **$1.91 billion** at March 31, 2024, from September 30, 2023, mainly due to a **$56.81 million** (**4.4%**) increase in net loans receivable[143](index=143&type=chunk)[144](index=144&type=chunk) - Total deposits increased by **$77.62 million** (**5.0%**) to **$1.64 billion**, primarily driven by a **$122.12 million** increase in money market accounts and a **$53.85 million** increase in certificates of deposit, partially offset by decreases in non-interest-bearing demand and NOW checking accounts[145](index=145&type=chunk)[156](index=156&type=chunk) - Shareholders' equity rose by **$5.61 million** (**2.4%**) to **$238.68 million**, reflecting net income of **$12.00 million**, partially offset by **$3.82 million** in dividends and **$3.03 million** in stock repurchases over the six-month period[146](index=146&type=chunk)[159](index=159&type=chunk) [Comparison of Operating Results](index=55&type=section&id=Comparison%20of%20Operating%20Results) This section compares the company's financial performance across different periods, focusing on revenue, expenses, and profitability - Quarterly net income decreased **14.3%** YoY to **$5.71 million**, and six-month net income decreased **15.3%** to **$12.00 million**, with the decline primarily caused by a decrease in net interest income[170](index=170&type=chunk)[171](index=171&type=chunk) - Net interest margin (NIM) compressed to **3.48%** for the quarter ended March 31, 2024, down from **3.99%** in the prior-year quarter, driven by a **236.4%** increase in total interest expense as the average cost of interest-bearing liabilities rose from **0.84%** to **2.50%**[173](index=173&type=chunk)[176](index=176&type=chunk)[179](index=179&type=chunk) - The efficiency ratio deteriorated to **60.22%** for the quarter, compared to **55.31%** a year ago, reflecting lower total revenue and slightly higher non-interest expense[201](index=201&type=chunk) [Asset Quality](index=53&type=section&id=Asset%20Quality) This section assesses the quality of the company's loan and investment portfolios, including non-performing assets and credit loss provisions - Non-performing assets (NPAs) increased by **130.8%** to **$3.68 million** at March 31, 2024, from **$1.60 million** at September 30, 2023, with the NPA to total assets ratio rising to **0.19%** from **0.09%**[161](index=161&type=chunk) Non-Performing Assets (in thousands USD) | Category | March 31, 2024 | September 30, 2023 | | :--- | :--- | :--- | | Non-accrual loans | $3,605 | $1,514 | | Non-accrual investment securities | $79 | $82 | | **Total non-performing assets** | **$3,684** | **$1,596** | | **NPA as a % of total assets** | **0.19%** | **0.09%** | [Liquidity and Capital Resources](index=61&type=section&id=Liquidity%20and%20Capital%20Resources) This section discusses the company's ability to meet its financial obligations and maintain adequate capital levels - The Bank is considered 'well-capitalized' under all regulatory requirements as of March 31, 2024[218](index=218&type=chunk) Bank Regulatory Capital Ratios (March 31, 2024) | Ratio | Actual | To Be "Well Capitalized" | | :--- | :--- | :--- | | Tier 1 leverage Capital Ratio | 11.92% | > 5.00% | | Common equity Tier 1 capital Ratio | 17.97% | > 6.50% | | Tier 1 capital Ratio | 17.97% | > 8.00% | | Total capital Ratio | 19.22% | > 10.00% | - The company has significant available liquidity, including **$596.00 million** in borrowing capacity with the FHLB (with **$20.00 million** outstanding) and **$111.22 million** with the FRB[205](index=205&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=63&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) This section confirms no material changes in market risk disclosures since the prior annual report - There were no material changes in market risk disclosures from the company's most recent Form 10-K[223](index=223&type=chunk) [Controls and Procedures](index=64&type=section&id=Item%204.%20Controls%20and%20Procedures) This section confirms the effectiveness of disclosure controls and outlines modifications to internal controls due to CECL adoption - The CEO and CFO concluded that disclosure controls and procedures were effective as of the end of the reporting period[228](index=228&type=chunk) - Internal controls were modified during the quarter to accommodate the adoption of the CECL accounting standard (ASU 2016-13), particularly around the modeling of expected credit losses[228](index=228&type=chunk) [Part II. Other Information](index=64&type=section&id=PART%20II.%20OTHER%20INFORMATION) This section provides additional information not covered in the financial statements, including legal proceedings and equity matters [Legal Proceedings and Risk Factors](index=64&type=section&id=Item%201.%20Legal%20Proceedings) This section confirms no material legal proceedings and no significant changes to previously disclosed risk factors - The Company is not a party to any material legal proceedings[225](index=225&type=chunk) - There have been no material changes in Risk Factors from the 2023 Form 10-K[226](index=226&type=chunk) [Use of Proceeds and Stock Repurchases](index=64&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) This section details the company's stock repurchase activities and remaining authorization under its current plan Stock Repurchases for Quarter Ended March 31, 2024 | Period | Total Shares Repurchased | Average Price Paid Per Share | | :--- | :--- | :--- | | Jan 2024 | 0 | $ - | | Feb 2024 | 80,000 | $26.91 | | Mar 2024 | 19,787 | $26.21 | | **Total** | **99,787** | **$26.77** | - As of March 31, 2024, **262,025** shares remained available for purchase under the company's 19th stock repurchase plan, which was announced on July 25, 2023[230](index=230&type=chunk)

Exhibit 99.1 Contact: Dean J. Brydon, CEO Jonathan A. Fischer, President & COO Marci A. Basich, CFO (360) 533-4747 www.timberlandbank.com Timberland Bancorp Reports Second Fiscal Quarter Net Income of $5.71 Million • Quarterly EPS of $0.70 • Quarterly Return on Average Assets of 1.22% • Quarterly Net Interest Margin of 3.48% • Net Loans Increased by 12% Year-Over-Year • Deposits Increased by 6% Year-Over-Year • Announces Quarterly Cash Dividend Timberland Fiscal Q2 2024 Earnings April 23, 2024 Page 2 Earnin ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from _____ to _____. Commission file number 000-23333 TIMBERLAND BANCORP, INC. (Exact name of registrant as specified in its charter) Washington 91-1863696 (State or other ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended September 30, 2023 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-23333 TIMBERLAND BANCORP, INC. | Washington | (Exact name of registrant as specified in its charter) | 91-1863696 | | --- | --- | --- | | (State or other jurisdiction of incorporat ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from _____ to _____. Commission file number 000-23333 TIMBERLAND BANCORP, INC. (Exact name of registrant as specified in its charter) Washington 91-1863696 (State or other jur ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from _____ to _____. Commission file number 000-23333 TIMBERLAND BANCORP, INC. (Exact name of registrant as specified in its charter) Washington 91-1863696 (State or other ju ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from _____ to _____. Commission file number 000-23333 TIMBERLAND BANCORP, INC. (Exact name of registrant as specified in its charter) Washington 91-1863696 (State or other ...