Lewiston, ID · Cert 22993 · Twin River Financial Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Lewiston, ID-WA · 2026 SOD (annual) · 14.8% share · #4 of 8 inst. · $0.2B of $1.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.39% | 2.45% | 2.50% | 2.38% | 2.46% | +7 bps | |
| Return on Equity | 20.02% | 20.07% | 20.31% | 18.87% | 19.47% | -55 bps | |
| Net Interest Margin | 5.26% | 5.24% | 5.21% | 5.23% | 5.19% | -7 bps | |
| Efficiency Ratio | 42.73% | 42.60% | 42.35% | 41.27% | 41.28% | -144 bps | |
| Non-Interest Burden | 2.16% | 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 / Loans | 0.24% | 0.22% | 0.21% | 0.18% | 0.16% | -8 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.03% | 0.00% | 0.10% | +7 bps | |
| Allowance / Loans | 1.00% | 0.99% | 0.95% | 1.02% | 0.94% | -6 bps | |
| Allowance Coverage of NPLs | 4.1x | 4.4x | 4.5x | 5.6x | 5.9x | +1.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.41% | 12.77% | 12.90% | 12.89% | 12.76% | +35 bps | |
| Total Risk-Based Capital | 18.44% | 19.53% | 19.51% | 20.33% | 20.47% | +204 bps | |
| Equity / Assets | 12.28% | 12.91% | 12.67% | 12.57% | 12.73% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.69% | 84.41% | 82.34% | 77.50% | 77.81% | -688 bps | |
| Liquid Assets / Assets | 21.92% | 22.71% | 24.64% | 28.76% | 28.54% | +662 bps | |
| CRE / Total Capital | n/a | 192.00% | 190.16% | 182.55% | n/a | n/a | |