Total Assets
$168M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$146M
Customer-funded liabilities
Net Loans
$119M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
98th percentile nationally
3.06%
Return on Equity (ROE)
24.92%
Efficiency Ratio
42.35%
What the numbers say about Twin River Bank
Twin River Bank is an FDIC-insured institution (Certificate #22993) headquartered in Lewiston, Idaho, established in 1979. It holds $168M in total assets - 3,236th of 4,313 FDIC-insured banks, $146M in customer deposits, and $119M in net loans. On safety, its Tier 1 capital ratio of 18.46% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.13% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (100/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Twin River Bank ranks 10th of 10 banks based in Idaho -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in Idaho by total assets
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.
Other banks in Idaho
All Idaho banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Twin River Bank's health grade?▼
Twin River Bank receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Twin River Bank?▼
Twin River Bank holds $168M in total assets and $146M in deposits, ranking 3,236th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lewiston, Idaho.
Is my money safe at Twin River Bank?▼
Yes, deposits at Twin River Bank (Certificate #22993) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Twin River Bank's Tier 1 Capital Ratio?▼
Twin River Bank has a Tier 1 Capital Ratio of 18.46%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Twin River Bank?▼
Twin River Bank has a Texas Ratio of 1.13%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Twin River Bank?▼
Twin River Bank has an Efficiency Ratio of 42.35%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Twin River Bank's profile as a depositor or analyst.
- Twin River Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Twin River Bank against other Idaho banks before moving funds. Idaho banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.