Trailwest Bank
Lolo, MT · Cert 23806 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Bitterroot Holding Co.
State charter, non-member · FDIC · 1 affiliate bank · 15 branches (18 in holding)
Q2 2026
$1.1BAssets
$895.4MLoans
$860.2MDeposits
$93.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 82% of banks $1B-$10B in assets operating in a single state (rank 46 of 258).
- Widest gap: nonperforming loans / loans trails 91% of banks $1B-$10B in assets operating in a single state (rank 237 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.35%
Rank 95 of 258
Net Interest Margin
3.82%
Rank 70 of 258
Efficiency Ratio
52.01%
Rank 68 of 257
Equity / Assets
8.49%
Rank 223 of 258
Non-interest income vs. expense
Unfavorable gap of $19.9M · efficiency ratio beats 74% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.93% | 1.23% | 1.54% | Beats 63% | 95 / 258 | |
| Return on Equity | 15.94% | 9.26% | 11.84% | 14.74% | Beats 82% | 46 / 258 | |
| Net Interest Margin | 3.82% | 3.16% | 3.49% | 3.88% | Beats 73% | 70 / 258 | |
| Efficiency Ratio | 52.01% | 51.71% | 60.30% | 69.65% | Beats 74% | 68 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.82% | 0.19% | 0.46% | 0.90% | Beats 9% | 237 / 258 | |
| Net Charge-Offs / Loans | 0.14% | 0.01% | 0.02% | 0.07% | Beats 15% | 220 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 10.89% | 11.41% | 12.98% | 15.12% | Beats 20% | 207 / 258 | |
| Total Risk-Based Capital Ratio | 12.15% | 12.10% | 13.91% | 16.08% | Beats 26% | 192 / 258 | |
| Equity / Assets | 8.49% | 9.09% | 10.24% | 11.72% | Beats 14% | 223 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 104.09% | 73.24% | 86.34% | 95.95% | 90th pctl | 26 / 258 | |
| Loans / Assets | 80.97% | 63.01% | 72.27% | 78.40% | 82nd pctl | 46 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |