Twin River Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 5.49 percentage points in Q2 2026, from 111.64% to 106.15%. It was the largest change from Q1 2026 among the key lines here. Twin River Bank ranks 5th of 10 Idaho banks on loan-to-deposit ratio, in the upper half at 77.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Twin River Bank sits 3.03 points lower, at 77.81% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $117.1M |
| Net loans and leases | $116.0M |
| Loans held for sale | $445K |
| Loans to total assets | 67.68% |
| Loan-to-deposit ratio | 77.81% |
| Net loans to equity capital | 5.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.66% |
| Multifamily (5+ residential) | 0.70% |
| Commercial and industrial | 13.73% |
| Consumer | 3.80% |
| Credit cards | 0.00% |
| Farm | 1.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.51% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 106.15% |
| Construction concentration (Tier 1 capital + allowance) | 62.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $2.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $98.8M | $122.9M | 19.66% | 18.04% | 4.61% |
| Q4 2023 | $101.2M | $117.0M | 18.06% | 18.72% | 4.46% |
| Q1 2024 | $104.7M | $121.4M | 18.09% | 17.95% | 4.38% |
| Q2 2024 | $115.1M | $124.0M | 19.55% | 16.06% | 3.80% |
| Q3 2024 | $118.0M | $131.5M | 20.81% | 16.18% | 3.55% |
| Q4 2024 | $115.3M | $141.9M | 21.13% | 16.04% | 3.69% |
| Q1 2025 | $111.4M | $138.9M | 21.35% | 16.02% | 3.45% |
| Q2 2025 | $118.2M | $139.5M | 20.53% | 14.78% | 3.03% |
| Q3 2025 | $116.0M | $137.4M | 20.80% | 13.72% | 2.89% |
| Q4 2025 | $119.9M | $145.6M | 20.00% | 12.65% | 2.93% |
| Q1 2026 | $116.6M | $150.5M | 20.39% | 14.26% | 3.35% |
| Q2 2026 | $117.1M | $150.5M | 21.66% | 13.73% | 3.80% |
Twin River Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Twin River Bank, freeSource: Call Report Schedule RC-C, 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)