Trailwest Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.85 percentage points higher than in Q1 2026, at 78.67%. Trailwest Bank ranks 13th of 35 Montana banks on return on assets, in the upper half at 1.78% (Q2 2026). Trailwest Bank reported 1.78% on return on assets for Q2 2026, 0.51 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.89% |
| Tier 1 risk-based capital ratio | 10.89% |
| Total risk-based capital ratio | 12.15% |
| Tier 1 leverage ratio | 8.62% |
| Equity capital to assets | 8.49% |
| Tangible equity to tangible assets | 8.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.72% |
| Non-performing assets ratio | 1.39% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 15.34% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 78.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.78% |
| Return on equity | 20.81% |
| Net interest margin | 4.04% |
| Efficiency ratio | 52.97% |
| Yield on earning assets | 5.97% |
| Cost of funds | 2.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.09% |
| Core deposits to total deposits | 83.24% |
| Brokered deposits to total deposits | 4.24% |
| Deposits to assets | 77.79% |
| Securities to assets | 4.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.79% | 11.79% | 13.04% | 8.91% | 1.78% |
| Q4 2023 | 11.82% | 11.82% | 13.08% | 8.85% | 1.87% |
| Q1 2024 | 11.85% | 11.85% | 13.10% | 8.96% | 1.59% |
| Q2 2024 | 11.64% | 11.64% | 12.90% | 8.91% | 1.53% |
| Q3 2024 | 11.41% | 11.41% | 12.67% | 8.84% | 2.03% |
| Q4 2024 | 11.68% | 11.68% | 12.94% | 8.52% | 1.45% |
| Q1 2025 | 11.41% | 11.41% | 12.66% | 8.29% | 1.67% |
| Q2 2025 | 10.92% | 10.92% | 12.17% | 8.48% | 1.64% |
| Q3 2025 | 10.40% | 10.40% | 11.66% | 8.68% | 2.09% |
| Q4 2025 | 10.56% | 10.56% | 11.81% | 8.64% | 2.16% |
| Q1 2026 | 10.68% | 10.68% | 11.93% | 8.80% | 1.73% |
| Q2 2026 | 10.89% | 10.89% | 12.15% | 8.62% | 1.78% |
Trailwest Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Trailwest Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Trailwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23806) · FFIEC NIC profile (RSSD 615954)