Twin River 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: 65.71 percentage points higher than in Q1 2026, at 750.68%. Twin River Bank has the highest return on assets of the 10 banks headquartered in Idaho, 3.14% as of Q2 2026. Twin River Bank's return on assets of 3.14% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.89 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.44% |
| Tier 1 risk-based capital ratio | 19.44% |
| Total risk-based capital ratio | 20.47% |
| Tier 1 leverage ratio | 12.76% |
| Equity capital to assets | 12.73% |
| Tangible equity to tangible assets | 12.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.20% |
| Texas ratio | 0.81% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | 750.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.14% |
| Return on equity | 24.81% |
| Net interest margin | 5.38% |
| Efficiency ratio | 41.29% |
| Yield on earning assets | 6.66% |
| Cost of funds | 1.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.81% |
| Core deposits to total deposits | 89.79% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.98% |
| Securities to assets | 1.72% |
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 | 14.70% | 14.70% | 15.69% | 10.77% | 3.53% |
| Q4 2023 | 15.51% | 15.51% | 16.65% | 11.52% | 2.83% |
| Q1 2024 | 15.82% | 15.82% | 16.94% | 12.33% | 3.44% |
| Q2 2024 | 15.00% | 15.00% | 16.05% | 12.26% | 3.68% |
| Q3 2024 | 15.30% | 15.30% | 16.32% | 12.44% | 3.29% |
| Q4 2024 | 16.60% | 16.60% | 17.70% | 11.81% | 2.61% |
| Q1 2025 | 17.70% | 17.70% | 18.83% | 12.07% | 2.85% |
| Q2 2025 | 17.34% | 17.34% | 18.44% | 12.41% | 3.06% |
| Q3 2025 | 18.44% | 18.44% | 19.53% | 12.77% | 3.12% |
| Q4 2025 | 18.46% | 18.46% | 19.51% | 12.90% | 3.24% |
| Q1 2026 | 19.22% | 19.22% | 20.33% | 12.89% | 2.96% |
| Q2 2026 | 19.44% | 19.44% | 20.47% | 12.76% | 3.14% |
Twin River Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Twin River 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 Twin River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22993) · FFIEC NIC profile (RSSD 427960)