Twin River Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Retained earnings edged up by 1.5%, from $20.0M to $20.3M, the largest move among the key lines here. On CET1 ratio, Twin River Bank ranks 2nd highest among the 7 banks headquartered in Idaho, at 19.44% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Twin River Bank sits 4.37 points higher, at 19.44% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.44% |
| Tier 1 risk-based capital ratio | 19.44% |
| Total risk-based capital ratio | 20.47% |
| Tier 1 leverage ratio | 12.76% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $22.0M |
| Tier 1 capital | $22.0M |
| Total risk-based capital | $23.2M |
| Total equity capital | $22.0M |
| Risk-weighted assets | $113.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.73% |
| Tangible equity to tangible assets | 12.73% |
| Equity capital to average assets | 12.75% |
| Internal capital growth rate | 5.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $850K |
| Common stock surplus | $927K |
| Retained earnings | $20.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.70% | 14.70% | 15.69% | 10.77% | $101.5M |
| Q4 2023 | 15.51% | 15.51% | 16.65% | 11.52% | $102.0M |
| Q1 2024 | 15.82% | 15.82% | 16.94% | 12.33% | $104.3M |
| Q2 2024 | 15.00% | 15.00% | 16.05% | 12.26% | $113.1M |
| Q3 2024 | 15.30% | 15.30% | 16.32% | 12.44% | $115.9M |
| Q4 2024 | 16.60% | 16.60% | 17.70% | 11.81% | $112.6M |
| Q1 2025 | 17.70% | 17.70% | 18.83% | 12.07% | $108.9M |
| Q2 2025 | 17.34% | 17.34% | 18.44% | 12.41% | $113.5M |
| Q3 2025 | 18.44% | 18.44% | 19.53% | 12.77% | $111.2M |
| Q4 2025 | 18.46% | 18.46% | 19.51% | 12.90% | $115.3M |
| Q1 2026 | 19.22% | 19.22% | 20.33% | 12.89% | $113.1M |
| Q2 2026 | 19.44% | 19.44% | 20.47% | 12.76% | $113.4M |
Twin River Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Twin River Bank, freeSource: Call Report Schedule RC-R, 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 Twin River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22993) · FFIEC NIC profile (RSSD 427960)