Twin River Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Twin River Bank's strongest measure in Q2 2026 is return on assets (3.04% vs. a 1.20% peer median). Its weakest relative measure is assets per employee ($6.0M vs. $6.6M).
| Measure | Twin River Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.04% | 1.20% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.39% | 3.94% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 41.28% | 63.84% | Top third Ahead of 96% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.6M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.08% | 76.68% | Context |
What it means for lending operations
Its efficiency ratio of 41.28% is better than the 63.84% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank of Hartford Hartford, AL · $173M
- Citizens Bank and Trust of Lebanon, Inc. Lebanon, KY · $173M
- DeWitt Savings Bank Clinton, IL · $173M
- Baybank Gladstone, MI · $173M
- Sharon Bank Springfield, PA · $173M
- The Goose River Bank Mayville, ND · $173M
Questions about Twin River Bank
How big is Twin River Bank?
Twin River Bank, established in 1979, is headquartered in Lewiston, ID. It reported $173M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Twin River Bank's return on assets?
3.04% annualized in Q2 2026, against a 1.20% median for 999 U.S. banks with half to twice its assets, ahead of 98% of them.
What is Twin River Bank's efficiency ratio?
41.28% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 63.84%, and lower is better.
Is Twin River Bank growing its loans?
Net loans shrank 0.9% over the year to Q2 2026, while deposits grew 7.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Idaho bank ranked.