BlastPoint's Banking Scorecard
TrailWest Bank
Community
Specialty: Commercial
MT
FDIC cert 23806
Lolo, MT
1484
banks in Community tier nationally
8 in MT
View Community leaderboard (MT) →
TrailWest Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 2% in Community
- + Profitability Leader: Top 43% in Community
- + Loan-to-Deposit Ratio 23.31% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 22% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+3.1% YoY
+2.5% QoQ
|
-$339.4M |
$1.4B
+2.0% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$863.9M
+15.4% YoY
+2.3% QoQ
|
-$111.6M |
$975.5M
+2.4% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$812.2M
+2.4% YoY
+2.5% QoQ
|
-$352.4M |
$1.2B
+1.7% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.88%
+14.9% YoY
+5.3% QoQ
|
+0.71% |
1.16%
+17.2% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.02%
+6.6% YoY
+3.0% QoQ
|
+0.36% |
3.66%
+9.1% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
51.33%
-11.6% YoY
-0.9% QoQ
|
-11.30% |
62.63%
-5.3% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.15%
+434.5% YoY
-42.6% QoQ
|
-0.48% |
0.63%
+18.3% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
106.37%
+12.6% YoY
-0.2% QoQ
|
+23.31% |
83.06%
+0.3% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.94%
-2.0% YoY
-6.8% QoQ
|
+3.89% |
21.05%
-0.9% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.12%
+498.2% YoY
-42.7% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
10.56%
-9.6% YoY
+1.5% QoQ
|
+0.32% |
10.24%
-0.6% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.43%
+8.6% YoY
+22.7% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#7 of 371 · Top 2% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Profitability Leader
growth
#160 of 371 · Top 43% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.88%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 6%
in Community
Why this stands out
Current:
106.37%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Credit Quality Pressure
risk
#180 of 808 · Bottom 22% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
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
94
94th pctile
Loan-to-Deposit Ratio
Current: 106.37% · Tier avg: 83.06%
89
89th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.16%
81
81th pctile
Efficiency Ratio
Current: 51.33% · Tier avg: 62.63%
77
77th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
71
71th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.66%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.94% · Tier avg: 21.05%
62
62th pctile
Total Loans
Current: $863.9M · Tier avg: $975.5M
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
48
48th pctile
Total Deposits
Current: $812.2M · Tier avg: $1.2B
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
33
33th pctile
Tier 1 Capital Ratio
Current: 10.56% · Tier avg: 10.24%
Top Weaknesses
33
33th pctile
Tier 1 Capital Ratio
Current: 10.56% · Tier avg: 10.24%
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
48
48th pctile
Total Deposits
Current: $812.2M · Tier avg: $1.2B
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
62
62th pctile
Total Loans
Current: $863.9M · Tier avg: $975.5M
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.94% · Tier avg: 21.05%
71
71th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.66%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
77
77th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
81
81th pctile
Efficiency Ratio
Current: 51.33% · Tier avg: 62.63%
89
89th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.16%
94
94th pctile
Loan-to-Deposit Ratio
Current: 106.37% · Tier avg: 83.06%