BlastPoint's Banking Scorecard
TrailWest Bank
Designations: ✓ Community bank
Lolo, MT
15 branches across MT
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 885 banks in the $1B-$10B peer group nationwide — 1 of 5 in MT.
- Deposits +11.5% year over year ($860.2M on the books).
- Delinquency rate 1.84%.
- Return on assets 1.76%.
- Efficiency ratio 52.01% vs a 59.73% peer average.
- Loan-to-deposit ratio 102.68% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
TrailWest Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.37% above tier average
- + Net Interest Margin 0.24% above tier average
- + Efficiency Ratio 7.72% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 17.64% above tier average
- - Delinquency Rate 0.97% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+10.4% YoY
+1.3% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.4% in tier |
| Total Loans ? |
$883.3M
+10.7% YoY
-0.5% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$860.2M
+11.5% YoY
+1.7% QoQ
|
-$1.5B |
$2.3B
-0.5% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 4.4% in tier |
| Return on Assets ? |
1.76%
+7.0% YoY
+1.5% QoQ
|
+0.37% |
1.39%
+17.0% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
4.11%
+9.2% YoY
-0.1% QoQ
|
+0.24% |
3.87%
+6.2% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
52.01%
-0.9% YoY
+2.5% QoQ
|
-7.72% |
59.73%
-12.6% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
72% |
| Delinquency Rate ? |
1.84%
-0.5% QoQ
|
+0.97% |
0.87%
+11.7% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 10.8% in tier |
| Loan-to-Deposit Ratio ? |
102.68%
-0.8% YoY
-2.2% QoQ
|
+17.64% |
85.04%
-0.1% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.71%
-6.9% YoY
+2.6% QoQ
|
+2.43% |
21.27%
-1.5% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? |
1.47%
-2.2% QoQ
|
+0.80% |
0.67%
+11.7% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.8% in tier |
| Tier 1 Capital Ratio ? |
10.89%
-0.2% YoY
+2.1% QoQ
|
-3.95% |
14.84%
-0.4% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.18%
-29.7% YoY
+108.5% QoQ
|
-0.35% |
0.53%
+2.5% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
27% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.7%
-1.8pp YoY +0.6pp QoQ |
+2.3pp | 21.4% | 26.8% | 22.2% | 66% |
| Brokered Deposits |
4.2%
+4.2pp YoY +0.5pp QoQ |
-5.2pp | 9.5% | 10.6% | 8.5% | 44% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.1%
-0.3pp YoY +0.9pp QoQ |
-5.9pp | 14.0% | 14.3% | 12.5% | 34% |
| CRE |
39.5%
+2.1pp YoY -1.7pp QoQ |
-10.6pp | 50.0% | 42.8% | 41.4% | 24% |
| 1-4 Family |
43.9%
+0.4pp YoY +1.6pp QoQ |
+17.5pp | 26.4% | 26.0% | 31.3% | 86% |
| Consumer |
1.6%
-0.3pp YoY 0.0pp QoQ |
-3.1pp | 4.7% | 2.7% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.9%
0.0pp YoY +0.2pp QoQ |
-4.7pp | 15.6% | 22.4% | 19.7% | 8% |
| Leverage Ratio |
8.6%
+0.1pp YoY -0.2pp QoQ |
-2.7pp | 11.3% | 13.2% | 12.6% | 6% |
| Total Capital Ratio |
12.1%
0.0pp YoY +0.2pp QoQ |
-4.5pp | 16.7% | 23.5% | 20.8% | 11% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
188
+10 (+5.6%) YoY +6 (+3.3%) QoQ |
-126 | 313 | 284 | 482 | 36% |
| Assets per Employee ($) |
$5.9M
+4.5% YoY -1.9% QoQ |
-$4.6M | $10.5M | $8.1M | $8.8M | 11% |
| Branch Count |
15
0 YoY 0 QoQ |
-5 | 20 | 21 | 18 | 50% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp QoQ |
-0.1pp | 0.2% | 0.6% | 0.4% | 76% |
| Nonaccrual |
1.7%
+1.7pp YoY -0.1pp QoQ |
+0.9pp | 0.8% | 1.1% | 1.0% | 90% |
| Allowance Coverage |
0.75x
-95.8% YoY +3.8% QoQ |
-17.96x | 18.71x | 3.69x | 20.23x | 14% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.3% | 0.0% | 0.2% | 76% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.6%
+0.6pp YoY +0.4pp QoQ |
+8.0pp | 12.6% | 14.2% | 11.6% | 92% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.5% | 1.7% | 51% |
| Net Income ($, YTD) |
$9.5M
+14.1% YoY — QoQ |
-$9.7M | $19.2M | $14.9M | $40.4M | 37% |
Get Full Access to TrailWest Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.