Twin City Bank
Longview, WA · Cert 35261 · Peer group: banks under $1B in assets (n=581-629) · Twin City Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$150.7MAssets
$62.2MLoans
$135.4MDeposits
$14.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets (rank 588 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.30%
Rank 547 of 629
Net Interest Margin
2.66%
Rank 550 of 629
Efficiency Ratio
84.78%
Rank 515 of 629
Equity / Assets
9.60%
Rank 415 of 629
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 18% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.60% | 1.01% | 1.45% | Beats 13% | 547 / 629 | |
| Return on Equity | 3.13% | 5.38% | 9.30% | 13.28% | Beats 16% | 531 / 629 | |
| Net Interest Margin | 2.66% | 3.03% | 3.54% | 4.05% | Beats 13% | 550 / 629 | |
| Efficiency Ratio | 84.78% | 58.35% | 67.79% | 79.08% | Beats 18% | 515 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.57% | 11.24% | 13.84% | 18.77% | Beats 7% | 586 / 629 | |
| Total Risk-Based Capital Ratio | 9.57% | 11.58% | 14.43% | 19.66% | Beats 7% | 588 / 629 | |
| Equity / Assets | 9.60% | 9.09% | 10.65% | 13.80% | Beats 34% | 415 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 45.98% | 67.24% | 80.90% | 93.48% | 9th pctl | 541 / 594 | |
| Loans / Assets | 41.32% | 53.31% | 67.71% | 78.15% | 16th pctl | 531 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |