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Twin River Bank

Lewiston, ID · Cert 22993 · Twin River Financial Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

74

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

94

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

96

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Twin River Bank

Lewiston, ID · Cert 22993 · Twin River Financial Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$173.0MAssets
$117.1MLoans
$150.5MDeposits
$22.0MEquity
Loan mix
82%RE $95.5M14%C&I $16.6M3%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $113.7M24%Noninterest $36.8MQ2 2025Q2 2026

NIM

6.98%Q2 ’246.74%Q2 ’256.46%Q2 ’26-12%-1%

Non-interest income vs. expense

2.46%Q2 ’242.31%Q2 ’252.20%Q2 ’26-7%-4%

Market Position · Lewiston, ID-WA · 2026 SOD (annual) · 14.8% share · #4 of 8 inst. · $0.2B of $1.0B

13.6% Nez Perce
17.7% Asotin

Executive Summary

  • Earnings: ROA of 2.46%, up 7 bps year over year; NIM at 5.19%.
  • Asset quality: problem loans at 0.16% of loans (-8 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 12.76%, up 35 bps from a year ago.
  • Funding: loans stand at 77.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.46%+7 bps YoY

Net Interest Margin (YTD, annualized)

5.19%-7 bps YoY

Efficiency Ratio (YTD, annualized)

41.28%-144 bps YoY

Tier 1 Leverage Ratio

12.76%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.39%2.45%2.50%2.38%2.46%+7 bps
Return on Equity20.02%20.07%20.31%18.87%19.47%-55 bps
Net Interest Margin5.26%5.24%5.21%5.23%5.19%-7 bps
Efficiency Ratio42.73%42.60%42.35%41.27%41.28%-144 bps
Non-Interest Burden2.16%2.14%2.11%2.08%2.07%-10 bps
Growth
Asset Growth (YoY)13.07%5.84%4.25%8.90%8.36%-471 bps
Loan Growth (YoY)2.66%-1.76%4.04%4.69%-0.92%-358 bps
Deposit Growth (YoY)12.52%4.45%2.63%8.33%7.84%-468 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.22%0.21%0.18%0.16%-8 bps
Net Charge-Offs / Loans0.03%0.03%0.03%0.00%0.10%+7 bps
Allowance / Loans1.00%0.99%0.95%1.02%0.94%-6 bps
Allowance Coverage of NPLs4.1x4.4x4.5x5.6x5.9x+1.8x
Capital
Tier 1 Leverage Ratio12.41%12.77%12.90%12.89%12.76%+35 bps
Total Risk-Based Capital18.44%19.53%19.51%20.33%20.47%+204 bps
Equity / Assets12.28%12.91%12.67%12.57%12.73%+45 bps
Liquidity & Funding
Loans / Deposits84.69%84.41%82.34%77.50%77.81%-688 bps
Liquid Assets / Assets21.92%22.71%24.64%28.76%28.54%+662 bps
CRE / Total Capitaln/a192.00%190.16%182.55%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Twin River Bank

Lewiston, ID · Cert 22993 · Peer group: banks under $1B in assets (n=581-629) · Twin River Financial Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$173.0MAssets
$117.1MLoans
$150.5MDeposits
$22.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 97% of banks under $1B in assets (rank 17 of 629).
  • Widest gap: net charge-offs / loans trails 72% of banks under $1B in assets (rank 421 of 581).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.44%

Rank 53 of 629

Net Interest Margin

5.19%

Rank 17 of 629

Efficiency Ratio

41.28%

Rank 29 of 629

Equity / Assets

12.73%

Rank 197 of 629

Non-interest income vs. expense

$0.2M$3.8MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 96% of banks under $1B in assets
Bank 41.28%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.44%0.60%1.01%1.45%Beats 92%53 / 629
Return on Equity19.14%5.38%9.30%13.28%Beats 92%49 / 629
Net Interest Margin5.19%3.03%3.54%4.05%Beats 97%17 / 629
Efficiency Ratio41.28%58.35%67.79%79.08%Beats 96%29 / 629
Asset Quality
Nonperforming Loans / Loans0.16%0.09%0.46%1.20%Beats 69%184 / 581
Net Charge-Offs / Loans0.05%n/a0.01%0.06%Beats 28%421 / 581
Capital
Tier 1 Capital Ratio19.44%11.24%13.84%18.77%Beats 76%148 / 629
Total Risk-Based Capital Ratio20.47%11.58%14.43%19.66%Beats 77%143 / 629
Equity / Assets12.73%9.09%10.65%13.80%Beats 69%197 / 629
Liquidity & Funding
Loans / Deposits77.81%67.24%80.90%93.48%46th pctl319 / 594
Loans / Assets67.68%53.31%67.71%78.15%50th pctl316 / 629
Brokered Deposits / Depositsn/aNot reported for this institution