BlastPoint's Banking Scorecard
TrailWest Bank
Designations: ✓ Community bank
Lolo, MT
15 branches across MT
TrailWest Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.37% above tier average
- + Net Interest Margin 0.30% above tier average
- + Efficiency Ratio 10.33% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 45.7% in tier
- - Loan-to-Deposit Ratio 20.77% above tier average
- - Delinquency Rate 0.96% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+6.6% YoY
+3.8% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.3% in tier |
| Total Loans ? |
$887.7M
+16.5% YoY
+2.8% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$845.6M
+6.5% YoY
+4.1% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.8% in tier |
| Return on Assets ? |
1.73%
+4.6% YoY
-7.6% QoQ
|
+0.37% |
1.37%
+19.6% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
81% |
| Net Interest Margin ? |
4.12%
+9.9% YoY
+2.4% QoQ
|
+0.30% |
3.82%
+6.9% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
77% |
| Efficiency Ratio ? |
50.73%
-7.7% YoY
-1.2% QoQ
|
-10.33% |
61.06%
-4.6% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
77% |
| Delinquency Rate ? | 1.85% | +0.96% |
0.89%
+14.1% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.6% in tier |
| Loan-to-Deposit Ratio ? |
104.97%
+9.4% YoY
-1.3% QoQ
|
+20.77% |
84.20%
+0.3% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.11%
-5.6% YoY
-7.3% QoQ
|
+1.82% |
21.29%
-2.5% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? | 1.50% | +0.83% |
0.67%
+15.6% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.1% in tier |
| Tier 1 Capital Ratio ? |
10.68%
-6.4% YoY
+1.1% QoQ
|
-4.48% |
15.16%
+2.0% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.5% in tier |
| Non-Interest Income / Assets ? |
0.09%
-5.0% YoY
-79.9% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% YoY
|
25% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.