Twin River Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Twin River Bank of Lewiston, ID against its peer group of 2672 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 | 3.14% | 1.34% | +1.80% | 97th top |
| ROAE | 24.81% | 13.31% | +11.50% | 95th top |
| Net Interest Margin | 5.38% | 3.93% | +1.45% | 96th top |
| Efficiency Ratio | 41.29% | 61.14% | -19.85% | 94th top |
| PPNR / Avg Assets | 3.18% | 1.68% | +1.50% | 97th top |
| Yield on Earning Assets | 6.66% | 5.67% | +0.99% | 90th top |
| Cost of Funds | 1.44% | 1.88% | -0.44% | 73rd above |
| Net Interest Spread | 4.77% | 3.32% | +1.45% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.94% | -0.82% | 70th above |
| NPA / Total Assets | 0.08% | 0.70% | -0.62% | 72nd above |
| NCO / Avg Loans | 0.20% | 0.16% | +0.04% | 12th bottom |
| ACL / Total Loans | 0.94% | 1.28% | -0.34% | 19th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 750.68% | 1538.82% | -788.14% | 79th top |
| Texas Ratio | 0.81% | 7.33% | -6.52% | 75th top |
| Provision / NCO | 27.12% | 1395.84% | -1368.72% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.44% | 19.50% | -0.06% | 75th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.44% | 19.54% | -0.10% | 75th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.47% | 20.62% | -0.15% | 75th top |
| Leverage Ratio | 12.76% | 12.14% | +0.62% | 73rd above |
| Equity / Assets | 12.73% | 11.37% | +1.36% | 77th top |
| TCE / Tangible Assets | 12.73% | 11.09% | +1.64% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.81% | 80.64% | -2.83% | 56th above |
| Core Deposit Ratio | 89.79% | 86.86% | +2.93% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.36% | 6.85% | +1.51% | 77th top |
| Loan Growth (Y/Y) | -0.92% | 7.90% | -8.82% | 19th bottom |
| Deposit Growth (Y/Y) | 7.84% | 6.29% | +1.55% | 75th top |
See Twin River Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Twin River 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 Twin River Bank profile, how to read a UBPR, or how this data updates.