Longview, WA · Cert 35261 · Twin City Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Longview-Kelso, WA · 2026 SOD (annual) · 14.1% share · #5 of 6 inst. · $135.4M of $956.8M
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.58% | 0.55% | 0.61% | 0.83% | 0.88% | 0.69% | 0.39% | -22 bps | |
| Return on Equity | 8.62% | 7.44% | 6.59% | 7.11% | 9.56% | 8.31% | 4.75% | 3.15% | -396 bps | |
| Net Interest Margin | 3.85% | 3.91% | 3.95% | 3.94% | 3.92% | 3.95% | 3.67% | 2.66% | -128 bps | |
| Efficiency Ratio | 83.24% | 84.01% | 81.43% | 78.79% | 75.48% | 73.94% | 77.85% | 84.78% | +598 bps | |
| Non-Interest Burden | 3.04% | 3.13% | 3.04% | 2.89% | 2.70% | 2.65% | 2.68% | 2.19% | -70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.53% | -3.02% | -0.35% | 2.19% | 3.47% | 16.87% | 62.01% | 107.66% | +10,547 bps | |
| Loan Growth (YoY) | -2.69% | -8.69% | -5.51% | 2.17% | 3.40% | 22.92% | 25.64% | 35.18% | +3,300 bps | |
| Deposit Growth (YoY) | -3.63% | -1.16% | 1.76% | 0.20% | 2.59% | 1.21% | 58.93% | 111.89% | +11,169 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.30% | 1.66% | 0.36% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | 0.70% | 0.46% | 0.31% | -0.01% | 0.00% | -71 bps | |
| Allowance / Loans | 1.19% | 1.38% | 1.43% | 1.18% | 1.18% | 1.17% | 1.18% | 1.15% | -3 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.8x | 4.0x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.32% | 10.35% | 10.52% | 10.66% | 10.66% | 19.78% | 15.02% | 9.57% | -109 bps | |
| Total Risk-Based Capital | 10.32% | 10.35% | 10.52% | 10.66% | 10.66% | 19.78% | 15.02% | 9.57% | -109 bps | |
| Equity / Assets | 8.27% | 8.23% | 8.55% | 8.90% | 8.97% | 17.44% | 12.57% | 9.60% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.24% | 67.27% | 71.26% | 72.07% | 67.78% | 81.70% | 56.33% | 45.98% | -2,609 bps | |
| Liquid Assets / Assets | 0.21% | 0.22% | 0.26% | 0.21% | 0.19% | 0.18% | 10.15% | 40.50% | +4,029 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 271% | 181.19% | 171.39% | n/a | n/a | |