TrailWest Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, TrailWest Bank's strongest measure in Q2 2026 is return on assets (1.76% vs. a 1.23% peer median). Its weakest relative measure is assets per employee ($5.9M vs. $7.6M).
| Measure | TrailWest Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.76% | 1.23% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.11% | 3.85% | Middle third Ahead of 66% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.01% | 61.03% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $7.6M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.68% | 84.27% | Context |
What it means for lending operations
Its efficiency ratio of 52.01% is better than the 61.03% 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
- Triad Bank Frontenac, MO · $1.11B
- The Citizens National Bank of Bluffton Bluffton, OH · $1.10B
- Access Bank Omaha, NE · $1.10B
- T Bank, National Association Dallas, TX · $1.10B
- St. Louis Bank Saint Louis, MO · $1.11B
- Jackson County Bank Seymour, IN · $1.11B
Questions about TrailWest Bank
How big is TrailWest Bank?
TrailWest Bank, established in 1982, is headquartered in Lolo, MT. It reported $1.11B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is TrailWest Bank's return on assets?
1.76% annualized in Q2 2026, against a 1.23% median for 999 U.S. banks with half to twice its assets, ahead of 79% of them.
What is TrailWest Bank's efficiency ratio?
52.01% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 61.03%, and lower is better.
Is TrailWest Bank growing its loans?
Net loans grew 10.7% over the year to Q2 2026, while deposits grew 11.5%.
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 Montana bank ranked.