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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.62% | 2.18% | 2.33% | 2.47% | 2.55% | 2.66% | 2.38% | 2.54% | +6 bps | |
| Return on Equity | 22.18% | 18.71% | 19.70% | 20.31% | 20.27% | 20.82% | 18.87% | 20.05% | -26 bps | |
| Net Interest Margin | 5.85% | 5.31% | 5.09% | 5.40% | 5.32% | 5.54% | 5.23% | 5.28% | -12 bps | |
| Efficiency Ratio | 44.07% | 48.20% | 43.44% | 42.05% | 42.35% | 41.66% | 41.27% | 41.29% | -76 bps | |
| Non-Interest Burden | 2.46% | 2.48% | 2.13% | 2.18% | 2.16% | 2.20% | 2.08% | 2.10% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.59% | 21.17% | 14.89% | 13.07% | 5.84% | 4.25% | 8.90% | 8.36% | -471 bps | |
| Loan Growth (YoY) | 19.53% | 13.90% | 6.42% | 2.66% | -1.76% | 4.04% | 4.69% | -0.92% | -358 bps | |
| Deposit Growth (YoY) | 7.05% | 21.30% | 14.43% | 12.52% | 4.45% | 2.63% | 8.33% | 7.84% | -468 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.12% | 0.28% | 0.24% | 0.22% | 0.21% | 0.18% | 0.16% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.05% | 0.05% | 0.00% | 0.00% | 0.20% | +15 bps | |
| Allowance / Loans | 0.95% | 1.02% | 1.05% | 1.00% | 0.99% | 0.95% | 1.02% | 0.94% | -6 bps | |
| Allowance Coverage of NPLs | 7.8x | 8.5x | 3.8x | 4.1x | 4.4x | 4.5x | 5.6x | 5.9x | +1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.44% | 11.81% | 12.07% | 12.41% | 12.77% | 12.90% | 12.89% | 12.76% | +35 bps | |
| Total Risk-Based Capital | 16.32% | 17.70% | 18.83% | 18.44% | 19.53% | 19.51% | 20.33% | 20.47% | +204 bps | |
| Equity / Assets | 11.78% | 11.53% | 12.09% | 12.28% | 12.91% | 12.67% | 12.57% | 12.73% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.75% | 81.23% | 80.20% | 84.69% | 84.41% | 82.34% | 77.50% | 77.81% | -688 bps | |
| Liquid Assets / Assets | 16.96% | 24.63% | 25.57% | 21.92% | 22.71% | 24.64% | 28.76% | 28.54% | +662 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 192.00% | 190.16% | 182.55% | n/a | n/a | |