FDIC Cert #22993 · Lewiston, Idaho · Est. 1979

Twin River Bank - FDIC Bank Health Profile

A community-scale look at Twin River Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$168M
Total assets
A
Health grade · Excellent
3.06%
Return on assets
18.5%
Tier 1 capital

Data updated July 2026

The verdict

Twin River Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 18.46% Tier 1, profitable at 3.06% ROA, efficient (42% cost ratio).

#3,236
largest of 4,313 FDIC banks by assets
25th
percentile by asset size, nationally
18.46%
Tier 1 ratio - above the 10% well-capitalized line
98th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 22993 · ID A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #121/4307
  • PHOTO-FINISH Latimer State Bank · OK
  • TIER1-WELL 18.5% Tier 1
  • TEXAS-CLEAN 1.1% Texas
  • ROA-STRONG 3.06% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Idaho: Latimer State Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Twin River Bank

Lowest and highest poles plus nearest scored peers outside Idaho, not a full FDIC corpus board reprint.

Community Bank of El… · MO ·…100/100Latimer State Bank · OK · ne…100/100Morgan Stanley Bank,… · UT ·…100/100Siouxland Bank · NE · near100/100The Bank of New York… · CA ·…100/100Twin River Bank · ID · this …100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Twin River Bank · July 2026

Plate reading for Twin River Bank where failures stay rare

Twin River Bank (FDIC Cert #22993) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #121 of 4,307. Tier 1 capital prints at 18.46%, clearing the 10% well-capitalized line. The Texas Ratio is 1.13%, inside the sub-50% band analysts treat as healthy. Return on assets is 3.06%. Balance-sheet scale is $168M, 3,236th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Latimer State Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Twin River Bank

Only 2 FAILURE resolutions in Idaho since 2000

Twin River Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (2 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • SYRINGA BANK BOISE, ID 2014 → SUNWEST BANK
  • FIRST BANK OF IDAHO, FSB KETCHUM, ID 2009 → U.S. BANK, NATIONAL ASSOCIATION
  • FIRST BANK & TRUST OF IDAHO MALAD CITY, ID 1986 → IDAHO FIRST NATIONAL BAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Idaho banks.

How Twin River Bank's 100/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/100100/100
Twin River Bank's composite health score
Tier 1 Capital Ratio (18.46%) 40/40
Return on Assets (ROA) (3.06%) 25/25
Texas Ratio (1.13%) 20/20
Efficiency Ratio (42.35%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$168M

Total balance-sheet footings

Total Deposits

$146M

Customer-funded liabilities

Net Loans

$119M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.06% 18.46% 19.86%
Basel III capital ratios - Twin River Bank

Where Twin River Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Twin River Bank's score of 100/100 falls in the highlighted band.

Twin River Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 3% higher than 97% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Twin River Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Twin River Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Twin River Bank's $168M falls in the highlighted band.

Safety metrics: Twin River Bank

Tier 1 capital ratio
Well-capitalized 10%

18.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.46%
Texas Ratio
1.13%
Equity Capital
$21M

What these ratios mean →

Earnings posture at Twin River Bank

Return on Assets (ROA)
98th percentile nationally
3.06%
Return on Equity (ROE)
24.92%
Efficiency Ratio
42.35%

What these mean →

Income & expense at Twin River Bank

$11M
Interest Income
$264K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Twin River Bank reports a Texas Ratio of 1.13% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.13% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Twin River Bank on FDIC BankFind →

Top banks in Idaho by total assets

Largest banks headquartered in Idaho
  1. 1
    D. L. Evans Bank $3.7B

    Burley, ID · Grade A

  2. 2
    The Bank of Commerce $2.3B

    Ammon, ID · Grade A

  3. 3
    Northwest Bank $1.5B

    Boise, ID · Grade A

  4. 4
    Idaho First Bank $1.5B

    Mccall, ID · Grade B

  5. 5
    First Federal Savings Bank of Twin Fa… $1.4B

    Twin Falls, ID · Grade B

Top 5 banks in Idaho ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($168M here), outside Idaho so the neighborhood is not state containment.

Bank of South Texas $168M · TX Farmers Bank & Trust $168M · KS Bank of Hydro $168M · OK Bank of Monticello $168M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Twin River Bank (FDIC Cert #22993) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Twin River Bank Call Report profile · FDIC Failed Bank List · Idaho FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Idaho

All Idaho banks →
BankAssetsGradeROA
D. L. Evans BankBurley $3.7B A 1.12%
The Bank of CommerceAmmon $2.3B A 2.13%
Northwest BankBoise $1.5B A 1.68%
Idaho First BankMccall $1.5B B 0.65%
First Federal Savings Bank of Twin FallsTwin Falls $1.4B B 0.82%
Farmers BankBuhl $668M A 1.49%
Ireland BankMalad City $371M B 0.85%
Idaho Trust BankBoise $243M A 1.66%