Trailwest Bank
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Data as of · sourced from FFIEC call reports. How we update
Trailwest Bank is an FDIC-insured commercial bank headquartered in Lolo, MT, established in 1982 (FDIC certificate 23806), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.11B, up 10.4% from Q2 2025, the 7th largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 10.89% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23806
- Headquarters
- Lolo, MT
- Established
- 1982
- Total assets, Q2 2026
- $1.11B
- Assets vs Q2 2025
- +10.4%
- CET1 ratio, Q2 2026
- 10.89%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 092901560
- Latest call report
- Q2 2026, FFIEC 051 · Trailwest Bank call report
- Holding company
- BITTERROOT HOLDING COMPANY
- Asset rank in state
- 7th of 35 in Montana
Problem loans are rising at Trailwest Bank. It reported $1.1 billion in assets at June 30, 2026, up 10.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.82% of loans from 0.07% a year earlier. It returns 20.8% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). On the other hand, it holds common equity equal to 10.89% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.52%).
Delinquency has appeared in its $140 million non-owner-occupied commercial real estate book: 3.41% of those loans are past due or on nonaccrual, against almost none a year earlier. Net income for the quarter rose 19% from a year earlier, to $4.9 million. Credit is the area to watch: it carries problem assets equal to 15.3% of the capital and reserves that would absorb them, 4.3 times the median of 3.6% for banks its size.
As of June 30, 2026, Trailwest Bank reported a CET1 capital ratio of 10.89%, a return on assets of 1.78%, a nonperforming-loan ratio of 1.82% and a Texas ratio of 15.34%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Trailwest Bank is the 7th largest of the 35 banks headquartered in Montana. From Q1 2026 to Q2 2026, its total assets rose 1.3% to $1.11B, loans fell 0.5% and deposits rose 1.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 43.3% of total loans, followed by non-owner-occupied commercial real estate loans at 15.7%. The FDIC Summary of Deposits lists 15 offices for it, in 9 cities in MT; its Lolo office books 30% of its branch deposits. By the capital ratios in its Q2 2026 call report, Trailwest Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 11300 Us Highway 93 S, Lolo, MT 59847
- County
- Missoula
- Metro Area
- Missoula, MT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 17, 1982
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 188
- Domestic deposits
- $860.2M
- Allowance for credit losses
- $12.1M
- Net charge-offs (YTD)
- $715K
- Average total assets
- $1.10B
- Average total loans
- $900.0M
- Average interest-bearing deposits
- $649.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 17, 1982
- FDIC Cert
- 23806
- Fed RSSD
- 615954
- SEC CIK
- 1178683 → filed by BITTERROOT HOLDING COMPANY
- Website
- www.trailwest.bank →
- Parent Holding Company
- BITTERROOT HOLDING COMPANY (RSSD 1128880)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Trailwest Bank's total assets moved between a low of $906.6M (Q4 2023) and a high of $1.11B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.11B total assets against $1.00B; $1.01B total liabilities against $917.5M.
$883.3M net loans and leases against $798.2M; $860.2M total deposits against $771.2M.
$48.6M securities against $52.1M; $124.6M cash and balances due against $104.2M.
$15.6M total interest income against $14.3M; $5.1M total interest expense against $5.3M.
$10.6M net interest income against $9.0M.
$1.0M total noninterest income against $1.6M; $6.2M total noninterest expense against $5.3M.
$530K provision for credit losses against $1.0M.
$4.9M net income against $4.1M.
1.78% return on assets against 1.64%; 4.04% net interest margin against 3.78%.
10.89% CET1 capital ratio against 10.92%; 8.62% tier 1 leverage ratio against 8.48%.
Inside the full Trailwest Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Trailwest Bank rankings
Its closest position to the top of a national ranking is 299 of 3,640, for Texas Ratio; its furthest is 1,980 of 2,134, for CET1 ratio.
Metric pages for Trailwest Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.45% (Q4 2024) to 2.16% (Q4 2025) and its net interest margin ran from 3.75% (Q1 2025) to 4.34% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.89% | 1.78% | 1.82% | 15.34% | 4.04% |
| Q1 2026 | 10.68% | 1.73% | 1.83% | 15.53% | 4.06% |
| Q4 2025 | 10.56% | 2.16% | 0.15% | 1.26% | 4.34% |
| Q3 2025 | 10.40% | 2.09% | 0.25% | 2.21% | 4.22% |
| Q2 2025 | 10.92% | 1.64% | 0.07% | 0.63% | 3.78% |
| Q1 2025 | 11.41% | 1.67% | 0.08% | 0.68% | 3.75% |
| Q4 2024 | 11.68% | 1.45% | 0.03% | 0.22% | 3.92% |
| Q3 2024 | 11.41% | 2.03% | 0.16% | 1.40% | 3.81% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Trailwest Bank (main office) | Lolo , MT | 59847 | $256.4M |
| Ravalli Main Office | Hamilton , MT | 59840 | $203.8M |
| West One Bank Branch | Kalispell , MT | 59901 | $84.7M |
| Trailwest Bank Missoula Dearborn | Missoula , MT | 59804 | $69.0M |
| Superior Branch | Superior , MT | 59872 | $68.4M |
| Frenchtown Branch | Frenchtown , MT | 59834 | $64.7M |
| Milltown Branch | Missoula , MT | 59802 | $32.7M |
| Corvallis Branch | Corvallis , MT | 59828 | $32.6M |
| North Valley Branch at Super One Foods | Stevensville , MT | 59870 | $21.7M |
| Blodgett View Branch | Hamilton , MT | 59840 | $13.6M |
| Airway Boulevard Branch | Missoula , MT | 59808 | $12.7M |
| Evergreen Branch | Kalispell , MT | 59901 | $0 |
| Missoula Broadway Branch | Missoula , MT | 59808 | $0 |
| Missoula Downtown Branch | Missoula , MT | 59802 | $0 |
| St. Regis Branch | Saint Regis , MT | 59866 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2015 | Structure Change | Acquired West One Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2012 | Structure Change | Acquired Ravalli County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.2% of deposits in MT, rank 9 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 256 applications, 198 loans originated, $85.7M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Trailwest Bank
What are Trailwest Bank's total assets?
As of the Q2 2026 filing, Trailwest Bank reported total assets of $1.11 billion in its FFIEC call report.
Where is Trailwest Bank headquartered?
It is headquartered in Lolo, MT, United States.
When was Trailwest Bank founded?
It was established in 1982, per the FDIC institution directory.
Is Trailwest Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23806). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Trailwest Bank?
Trailwest Bank's primary federal regulator is the FDIC.
What is Trailwest Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.89% in its Q2 2026 call report, above regulatory requirements.
How many branches does Trailwest Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Trailwest Bank's Texas Ratio?
Its Texas Ratio is 15.34% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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