BlastPoint's Banking Scorecard
Twin River Bank
Lewiston, ID
4 branches across ID · WA
Twin River Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 39.5% in tier
- + Net Interest Margin 1.40% above tier average
- + Efficiency Ratio 24.01% below tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 44.1% in tier
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$172.6M
+8.9% YoY
+2.9% QoQ
|
-$213.5M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$115.4M
+4.7% YoY
-2.8% QoQ
|
-$140.3M |
$255.7M
+1.1% YoY
|
$721.8M
+11.9% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$150.5M
+8.3% YoY
+3.3% QoQ
|
-$177.5M |
$328.0M
+0.1% YoY
|
$1.0B
+7.3% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
2.93%
+2.9% YoY
-4.3% QoQ
|
+1.66% |
1.27%
+12.9% YoY
|
1.36%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 2.2% in tier |
| Net Interest Margin ? |
5.33%
+1.8% YoY
-3.0% QoQ
|
+1.40% |
3.93%
+6.0% YoY
|
4.13%
+5.6% YoY
|
3.89%
+5.7% YoY
|
Top 4.1% in tier |
| Efficiency Ratio ? |
41.27%
-5.0% YoY
-2.5% QoQ
|
-24.01% |
65.29%
-4.5% YoY
|
58.29%
-6.4% YoY
|
66.95%
-4.1% YoY
|
Top 5.1% in tier |
| Delinquency Rate ? |
0.18%
-35.9% YoY
-14.9% QoQ
|
-0.71% |
0.89%
+18.8% YoY
|
1.10%
+336.8% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
76.71%
-3.3% YoY
-5.9% QoQ
|
+0.07% |
76.64%
+0.8% YoY
|
73.00%
+1.9% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
23.05%
-1.9% YoY
-3.3% QoQ
|
+1.03% |
22.02%
-1.0% YoY
|
28.05%
+0.2% YoY
|
22.01%
-1.2% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.12%
-38.4% YoY
-19.7% QoQ
|
-0.52% |
0.64%
+19.7% YoY
|
0.64%
+322.0% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
19.22%
+8.6% YoY
+4.2% QoQ
|
+3.39% |
15.83%
+1.5% YoY
|
16.15%
+4.3% YoY
|
17.06%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.03%
-8.2% YoY
-79.0% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.12%
+4.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.6% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.