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
Unfavorable gap of $3.6M · efficiency ratio beats 96% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.44% | 0.60% | 1.01% | 1.45% | Beats 92% | 53 / 629 | |
| Return on Equity | 19.14% | 5.38% | 9.30% | 13.28% | Beats 92% | 49 / 629 | |
| Net Interest Margin | 5.19% | 3.03% | 3.54% | 4.05% | Beats 97% | 17 / 629 | |
| Efficiency Ratio | 41.28% | 58.35% | 67.79% | 79.08% | Beats 96% | 29 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.46% | 1.20% | Beats 69% | 184 / 581 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.06% | Beats 28% | 421 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 19.44% | 11.24% | 13.84% | 18.77% | Beats 76% | 148 / 629 | |
| Total Risk-Based Capital Ratio | 20.47% | 11.58% | 14.43% | 19.66% | Beats 77% | 143 / 629 | |
| Equity / Assets | 12.73% | 9.09% | 10.65% | 13.80% | Beats 69% | 197 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 77.81% | 67.24% | 80.90% | 93.48% | 46th pctl | 319 / 594 | |
| Loans / Assets | 67.68% | 53.31% | 67.71% | 78.15% | 50th pctl | 316 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |