Twin River Bank
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Data as of · sourced from FFIEC call reports. How we update
Twin River Bank is an FDIC-insured commercial bank headquartered in Lewiston, ID, established in 1979 (FDIC certificate 22993), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $173.0M, up 8.4% from Q2 2025, the 10th largest of 10 banks headquartered in Idaho. Its CET1 capital ratio was 19.44% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22993
- Headquarters
- Lewiston, ID
- Established
- 1979
- Total assets, Q2 2026
- $173.0M
- Assets vs Q2 2025
- +8.4%
- CET1 ratio, Q2 2026
- 19.44%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 123103596
- Holding company
- TWIN RIVER FINANCIAL CORP.
- Asset rank in state
- 10th of 10 in Idaho
Twin River Bank is one of the more profitable banks of its size. It reported $173 million in assets at June 30, 2026, up 8.4% from a year earlier. It earns about $3.14 a year on every $100 of assets, 2.5 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 12% from a year earlier, to $1.4 million. Over the same year, loans shrank 0.9% and deposits grew 7.8%.
As of June 30, 2026, Twin River Bank reported a CET1 capital ratio of 19.44%, a return on assets of 3.14%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 0.81%. The figures come from its call report filed with the FFIEC.
Twin River Bank ranks as the smallest of the 10 banks based in Idaho, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $173.0M, loans rose 0.4% and deposits were flat. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 45.8% of total loans, ahead of owner-occupied commercial real estate loans at 13.9%. The FDIC Summary of Deposits lists 4 offices for it, in Lewiston, ID, Clarkston, WA and Asotin, WA; its Lewiston 2 offices book 65% of its branch deposits. Judged on its Q2 2026 call report, Twin River Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1507 G St, Lewiston, ID 83501
- County
- Nez Perce
- Metro Area
- Lewiston, ID-WA
- 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 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 15, 1979
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $150.5M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $59K
- Average total assets
- $172.8M
- Average total loans
- $115.8M
- Average interest-bearing deposits
- $115.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 15, 1979
- FDIC Cert
- 22993
- Fed RSSD
- 427960
- Website
- http://www.twinriver.bank →
- Parent Holding Company
- TWIN RIVER FINANCIAL CORP. (RSSD 2081722)
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
From Q3 2023 to Q2 2026, Twin River Bank's total assets ranged from $132.8M (Q4 2023) to $173.0M (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
$173.0M total assets against $159.7M; $151.0M total liabilities against $140.1M.
$116.0M net loans and leases against $117.0M; $150.5M total deposits against $139.5M.
$3.0M securities against $3.0M; $52.2M cash and balances due against $37.7M.
$2.8M total interest income against $2.7M; $543K total interest expense against $564K.
$2.3M net interest income against $2.1M.
$58K total noninterest income against $62K; $965K total noninterest expense against $926K.
-$24K provision for credit losses against $24K.
$1.4M net income against $1.2M.
3.14% return on assets against 3.06%; 5.38% net interest margin against 5.52%.
19.44% CET1 capital ratio against 17.34%; 12.76% tier 1 leverage ratio against 12.41%.
Inside the full Twin River Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTwin River Bank rankings
Its closest position to the top of a national ranking is 61 of 3,611, for ROA; its furthest is 2,795 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.61% (Q4 2024) to 3.29% (Q3 2024) and its net interest margin ran from 5.19% (Q1 2025) to 5.99% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.44% | 3.14% | 0.16% | 0.81% | 5.38% |
| Q1 2026 | 19.22% | 2.96% | 0.18% | 0.92% | 5.33% |
| Q4 2025 | 18.46% | 3.24% | 0.21% | 1.13% | 5.66% |
| Q3 2025 | 18.44% | 3.12% | 0.22% | 2.15% | 5.44% |
| Q2 2025 | 17.34% | 3.06% | 0.24% | 1.39% | 5.52% |
| Q1 2025 | 17.70% | 2.85% | 0.28% | 1.54% | 5.19% |
| Q4 2024 | 16.60% | 2.61% | 0.12% | 0.70% | 5.42% |
| Q3 2024 | 15.30% | 3.29% | 0.12% | 0.76% | 5.99% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Twin River Bank (main office) | Lewiston , ID | 83501 | $70.6M |
| Clarkston Branch | Clarkston , WA | 99403 | $33.7M |
| Orchards Branch | Lewiston , ID | 83501 | $27.1M |
| Asotin Branch | Asotin , WA | 99402 | $19.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in ID, rank 25 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 35 applications, 25 loans originated, $8.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $230K approved, $230K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 Twin River Bank
What are Twin River Bank's total assets?
As of the Q2 2026 filing, Twin River Bank reported total assets of $173.0 million in its FFIEC call report.
Where is Twin River Bank headquartered?
It is headquartered in Lewiston, ID, United States.
When was Twin River Bank founded?
It was established in 1979, per the FDIC institution directory.
Is Twin River Bank FDIC-insured?
Yes. It 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.
What is Twin River Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.44% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Twin River Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Twin River Bank's Texas Ratio?
Its Texas Ratio is 0.81% 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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