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Twin River Bank

$100M-$1B Specialty: Commercial ID FDIC cert 22993

Lewiston, ID

4 branches across ID · WA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 5 in ID.
  • Deposits +7.8% year over year ($150.5M on the books).
  • Delinquency rate 0.16%.
  • Return on assets 3.04%.
  • Efficiency ratio 41.28% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.08% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 5 in ID
View $100M-$1B leaderboard (ID) →

Twin River Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 33.7% in tier
  • + Net Interest Margin 1.40% above tier average
  • + Efficiency Ratio 23.20% below tier average
  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 44.3% in tier
  • - Non-Interest Income / Assets 0.50% below tier average
Get updates when Twin River Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Total Assets ? $173.0M
+8.4% YoY +0.2% QoQ
-$213.5M $386.6M
+1.2% YoY
$1.2B
+4.9% YoY
$6.3B
+7.7% YoY
20%
Total Loans ? $116.0M
-0.9% YoY +0.5% QoQ
-$142.3M $258.3M
+1.7% YoY
$741.9M
+9.8% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $150.5M
+7.8% YoY +0.0% QoQ
-$176.2M $326.7M
+0.7% YoY
$1.0B
+5.9% YoY
$4.9B
+7.3% YoY
22%
Return on Assets ? 3.04%
+3.4% YoY +3.7% QoQ
+1.72% 1.32%
+10.8% YoY
1.42%
+7.8% YoY
1.30%
+12.1% YoY
Top 1.8% in tier
Net Interest Margin ? 5.39%
+0.1% YoY +1.1% QoQ
+1.40% 3.99%
+5.0% YoY
4.21%
+5.4% YoY
3.95%
+4.9% YoY
Top 3.7% in tier
Efficiency Ratio ? 41.28%
-3.4% YoY +0.0% QoQ
-23.20% 64.48%
-3.2% YoY
57.44%
-5.2% YoY
70.05%
+2.5% YoY
Top 5.2% in tier
Delinquency Rate ? 0.16%
-34.7% YoY -11.4% QoQ
-0.76% 0.92%
+15.7% YoY
1.19%
+207.4% YoY
0.98%
+16.3% YoY
69%
Loan-to-Deposit Ratio ? 77.08%
-8.1% YoY +0.5% QoQ
-0.87% 77.95%
+1.0% YoY
74.07%
+1.8% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 24.43%
-0.6% YoY +6.0% QoQ
+2.40% 22.03%
-0.6% YoY
28.32%
+5.3% YoY
21.98%
-0.6% YoY
64%
Nonperforming Asset Ratio ? 0.11%
-40.3% YoY -11.2% QoQ
-0.56% 0.67%
+16.4% YoY
0.71%
+195.7% YoY
0.69%
+15.8% YoY
70%
Tier 1 Capital Ratio ? 19.44%
+12.1% YoY +1.1% QoQ
+3.53% 15.91%
+1.4% YoY
15.84%
+2.7% YoY
17.09%
+0.8% YoY
Top 15.0% in tier
Non-Interest Income / Assets ? 0.07%
-10.8% YoY +101.3% QoQ
-0.50% 0.57%
+7.6% YoY
0.23%
+7.1% YoY
0.66%
+5.2% YoY
Bottom 8.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Noninterest-Bearing 24.4%
-0.2pp YoY
+1.4pp QoQ
 +2.3pp 22.1% 28.3% 22.2% 64%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
C&I 13.9%
-1.1pp YoY
-0.5pp QoQ
 +2.3pp 11.6% 16.5% 12.5% 72%
CRE 34.9%
+1.8pp YoY
+0.6pp QoQ
 -4.6pp 39.5% 45.4% 41.4% 43%
1-4 Family 46.3%
-0.2pp YoY
-0.6pp QoQ
 +13.6pp 32.6% 20.7% 31.3% 78%
Consumer 3.8%
+0.8pp YoY
+0.4pp QoQ
 -0.3pp 4.1% 7.4% 5.0% 68%

Capital

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
CET1 Ratio 19.4%
+2.1pp YoY
+0.2pp QoQ
 +0.6pp 18.8% 17.1% 19.7% 76%
Leverage Ratio 12.8%
+0.3pp YoY
-0.1pp QoQ
 +0.6pp 12.2% 12.6% 12.6% 73%
Total Capital Ratio 20.5%
+2.0pp YoY
+0.1pp QoQ
 +0.5pp 19.9% 18.3% 20.8% 75%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Full-Time Employees 29
-1 (-3.3%) YoY
0 QoQ
 -30 58 143 482 25%
Assets per Employee ($) $6.0M
+12.1% YoY
+0.2% QoQ
 -$1.6M $7.5M $8.0M $8.8M 33%
Branch Count 4
0 YoY
0 QoQ
 -1 4 11 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.0% 0.4% 34%
Nonaccrual 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.3% 1.0% 22%
Allowance Coverage 5.86x
+43.9% YoY
+3.9% QoQ
 -18.29x 24.15x 25.14x 20.23x 73%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
 0.0pp 0.1% 0.2% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
ROE 24.1%
-0.6pp YoY
+0.8pp QoQ
 +11.9pp 12.2% 11.8% 11.6% 95%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.4% 1.7% 24%
Net Income ($, YTD) $2.6M
+10.8% YoY
— QoQ
 +$49K $2.6M $8.6M $40.4M 64%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#224 of 661 • Top 33.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.04%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#330 of 742 • Bottom 44.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.44%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 77.08%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

49
Return on Assets
profitability
Value: 3.04%
Peer Median: 1.32%
#49 of 2643 Top 1.8% in $100M-$1B
100
Net Interest Margin
profitability
Value: 5.39%
Peer Median: 3.99%
#100 of 2643 Top 3.7% in $100M-$1B
138
Efficiency Ratio
profitability
Value: 41.28%
Peer Median: 64.48%
#138 of 2643 Top 5.2% in $100M-$1B
397
Tier 1 Capital Ratio
capital
Value: 19.44%
Peer Median: 15.91%
#397 of 2643 Top 15.0% in $100M-$1B

Top Weaknesses (4 metrics)

2410
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2410 of 2643 Bottom 8.9% in $100M-$1B
2125
Total Assets
size
Value: $173.03M
Peer Median: $386.57M
#2125 of 2643 Bottom 19.6% in $100M-$1B
2068
Total Deposits
size
Value: $150.49M
Peer Median: $326.73M
#2068 of 2643 Bottom 21.8% in $100M-$1B
2006
Total Loans
size
Value: $116.00M
Peer Median: $258.35M
#2006 of 2643 Bottom 24.1% in $100M-$1B
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