TWIN RIVER BANK

LEWISTON, ID | Small | Est. Nov. 15, 1979, midnight | FDIC #22993 | RSSD #427960 | FDIC
Latest Report: 2025-12-31

TWIN RIVER BANK is asn small FDIC-insured commercial bank headquartered in LEWISTON, ID, established in Nov. 15, 1979, midnight. As of 2025-12-31, the bank reported total assets of $168M and total deposits of $146M. Profitability stands at 3.27% ROA and 25.60% ROE, with a net interest margin of 6.09%. The bank's CET1 capital ratio is 18.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.13%. FDIC Certificate #22993.

Assets

$168M

Deposits

$146M

Loans

$120M

Equity

$21M

Profitability

Return on Assets (ROA) 3.27%
Return on Equity (ROE) 25.60%
Net Interest Margin (NIM) 6.09%
Yield on Assets 7.55%
Cost of Funds 1.55%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.13%
NPA Ratio 0.15%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 18.46%
Tier 1 Capital 18.46%
Total Capital Ratio 19.51%
Leverage Ratio 12.90%
Loan-to-Deposit 82.34%

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