TWIN RIVER BANK
TWIN RIVER BANK is an FDIC-insured commercial bank headquartered in LEWISTON, ID, established in 1979. As of , 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 5.66%. CET1 capital ratio: 18.46%, well above regulatory minimums. NPL ratio: 0.21% · Texas Ratio: 1.13%. Operates 4 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Twin River Bank rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 18.46% | 3.27% | 0.21% | 1.13% | 5.66% |
| 2025-09-30 | 18.44% | 3.15% | 0.22% | 2.15% | 5.43% |
| 2025-06-30 | 17.34% | 3.05% | 0.24% | 1.39% | 5.51% |
| 2025-03-31 | 17.70% | 2.85% | 0.28% | 1.54% | 5.19% |
| 2024-12-31 | 16.60% | 2.66% | 0.12% | 0.70% | 5.42% |
| 2024-09-30 | 15.30% | 3.22% | 0.12% | 0.76% | 5.98% |
| 2024-06-30 | 15.00% | 3.65% | 0.13% | 0.81% | 6.28% |
| 2024-03-31 | 15.82% | 3.40% | 0.00% | 0.02% | 6.15% |
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Frequently asked about TWIN RIVER BANK
What are Twin River Bank's total assets?
As of the Q4 2025 filing, Twin River Bank reported total assets of $167.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Twin River Bank headquartered?
Twin River Bank is headquartered in LEWISTON, ID, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Twin River Bank founded?
Twin River Bank was established in 1979, per the FDIC institution directory.
Is Twin River Bank FDIC-insured?
Yes. Twin River Bank is an FDIC-insured commercial bank (FDIC Certificate #22993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Twin River Bank?
Twin River Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Twin River Bank's CET1 capital ratio?
Twin River Bank reported a Common Equity Tier 1 (CET1) capital ratio of 18.46% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Twin River Bank operate?
Twin River Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Twin River Bank's Texas Ratio?
Twin River Bank's Texas Ratio is 1.13% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.