Trailwest Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Trailwest Bank of Lolo, MT against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.78% | 1.34% | +0.44% | 80th top |
| ROAE | 20.81% | 12.34% | +8.47% | 90th top |
| Net Interest Margin | 4.04% | 3.83% | +0.21% | 71st above |
| Efficiency Ratio | 52.97% | 58.97% | -6.00% | 65th above |
| PPNR / Avg Assets | 1.98% | — | — | 66th above |
| Yield on Earning Assets | 5.97% | 5.71% | +0.26% | 74th above |
| Cost of Funds | 2.05% | 2.02% | +0.03% | 47th below |
| Net Interest Spread | 3.41% | — | — | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.82% | 0.87% | +0.95% | 11th bottom |
| NPA / Total Assets | 1.47% | — | — | 10th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.43% | -0.35% | 33rd below |
| ACL / Total Loans | 1.35% | — | — | 75th top |
| ACL / NPLs (Coverage) | 74.52% | — | — | 14th bottom |
| Texas Ratio | 15.34% | 5.48% | +9.86% | 6th bottom |
| Provision / NCO | 299.44% | — | — | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.89% | 14.99% | -4.10% | 8th bottom |
| Tier 1 Ratio | 10.89% | 15.02% | -4.13% | 8th bottom |
| Total Capital Ratio | 12.15% | — | — | 11th bottom |
| Leverage Ratio | 8.62% | 11.11% | -2.49% | 6th bottom |
| Equity / Assets | 8.49% | 11.02% | -2.53% | 13th bottom |
| TCE / Tangible Assets | 8.49% | — | — | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 104.09% | 86.99% | +17.10% | 9th bottom |
| Core Deposit Ratio | 83.24% | 85.57% | -2.33% | 29th below |
| Uninsured Deposit Ratio | 41.91% | 33.19% | +8.72% | 22nd bottom |
| Wholesale Funding Ratio | 12.66% | — | — | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.36% | — | — | 76th top |
| Loan Growth (Y/Y) | 10.71% | — | — | 74th above |
| Deposit Growth (Y/Y) | 11.54% | — | — | 78th top |
See Trailwest Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Trailwest Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Trailwest Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Trailwest Bank peer analysis.