BlastPoint's Banking Scorecard
Twin River Bank
Micro
Specialty: Commercial
ID
FDIC cert 22993
Designations: ✓ Community bank
Lewiston, ID
2498
banks in Micro tier nationally
4 in ID
View Micro leaderboard (ID) →
Twin River Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.98% above tier
- + Net Interest Margin 1.64% above tier
- + Efficiency Ratio 25.38% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$167.7M
+4.3% YoY
+5.9% QoQ
|
-$49.8M |
$217.5M
+2.3% YoY
|
$1.2B
+9.6% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$118.8M
+4.1% YoY
+3.4% QoQ
|
-$20.4M |
$139.2M
+2.8% YoY
|
$704.6M
+11.9% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$145.6M
+2.6% YoY
+6.0% QoQ
|
-$38.0M |
$183.7M
+1.8% YoY
|
$1.0B
+11.0% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
3.06%
-4.3% YoY
+1.7% QoQ
|
+1.98% |
1.08%
+14.7% YoY
|
1.43%
+51.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.49%
-7.6% YoY
+1.1% QoQ
|
+1.64% |
3.85%
+6.6% YoY
|
4.08%
+4.0% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
42.35%
-2.0% YoY
-0.6% QoQ
|
-25.38% |
67.73%
-4.8% YoY
|
58.36%
-7.0% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.21%
+76.8% YoY
-5.6% QoQ
|
-0.43% |
0.64%
+24.4% YoY
|
0.81%
+590.7% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
81.56%
+1.4% YoY
-2.4% QoQ
|
+7.03% |
74.53%
+0.5% YoY
|
70.60%
-0.8% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
23.82%
+0.8% YoY
-0.7% QoQ
|
+1.43% |
22.39%
-1.3% YoY
|
29.44%
-0.7% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.15%
+76.5% YoY
-48.4% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.45%
+564.3% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
18.46%
+11.2% YoY
+0.1% QoQ
|
+9.60% |
8.85%
-3.4% YoY
|
11.99%
+4.7% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.16%
+6.0% YoY
+34.1% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.58%
-1.7% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.06%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.49%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.35%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Return on Assets
Current: 3.06% · Tier avg: 1.08%
97
97th pctile
Efficiency Ratio
Current: 42.35% · Tier avg: 67.73%
95
95th pctile
Net Interest Margin
Current: 5.49% · Tier avg: 3.85%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.46% · Tier avg: 8.85%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.82% · Tier avg: 22.39%
50
50th pctile
Total Loans
Current: $118.8M · Tier avg: $139.2M
44
44th pctile
Total Deposits
Current: $145.6M · Tier avg: $183.7M
42
42th pctile
Total Assets
Current: $167.7M · Tier avg: $217.5M
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.56% · Tier avg: 74.53%
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
Top Weaknesses
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.56% · Tier avg: 74.53%
42
42th pctile
Total Assets
Current: $167.7M · Tier avg: $217.5M
44
44th pctile
Total Deposits
Current: $145.6M · Tier avg: $183.7M
50
50th pctile
Total Loans
Current: $118.8M · Tier avg: $139.2M
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.82% · Tier avg: 22.39%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.46% · Tier avg: 8.85%
95
95th pctile
Net Interest Margin
Current: 5.49% · Tier avg: 3.85%
97
97th pctile
Efficiency Ratio
Current: 42.35% · Tier avg: 67.73%
99
99th pctile
Return on Assets
Current: 3.06% · Tier avg: 1.08%