Twin River Bank
Lewiston, Idaho · FDIC Cert #22993
Twin River Bank is an FDIC-insured bank (Certificate #22993) with $141M in total assets and $124M in total deposits as of the Q2 2024 Call Report. Headquartered in Lewiston, Idaho, the bank maintains a Tier 1 capital ratio of 15.00% (Well-Capitalized) and a nonperforming loan ratio of 0.13%. BankHealthData assigns a composite Health Grade of A (87/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Twin River Bank (FDIC cert 22993) is a community bank — $141M in total assets, $124M in deposits, serving the Lewiston, Idaho area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.00% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.13% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 17.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 3.65% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Twin River Bank carries a composite BankHealth grade of A (87/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Twin River Bank
- Total Assets
- $141M
- Total Deposits
- $124M
- Tier 1 Capital Ratio
- 15.00%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.13%
- Liquidity Ratio
- 17.78%
- Return on Assets
- 3.65%
- Headquarters
- Lewiston, Idaho
- FDIC Certificate
- #22993
- Health Grade
- A (87/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Twin River Bank holds a Tier 1 capital ratio of 15.00%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Twin River Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Twin River Bank shows strong financial health indicators. With $141M in assets and a Health Score of 87/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Twin River Bank Compares
Twin River Bank’s Health Score of 87 is 7 points above the Idaho state average of 80 across 8 FDIC-insured banks. Its 15.00% Tier 1 capital ratio is 1.0 points above the US banking industry average near 14%. The 0.13% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 3.65% is in line with or above the national ROA benchmark of ~1.1%. Among 1329 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Twin River Bank is 17 points above the portfolio average of 70.
Frequently Asked Questions
Twin River Bank has a Bank Health Score of A (87/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 15.00%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Twin River Bank's Tier 1 capital ratio of 15.00% and nonperforming loan ratio of 0.13% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Twin River Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #22993). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Twin River Bank holds $141M in total assets and $124M in total deposits. It is headquartered in Lewiston, Idaho (FDIC Certificate #22993).
Twin River Bank has a Tier 1 capital ratio of 15.00%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.13%, and the return on assets is 3.65%.
Yes. Twin River Bank is FDIC-insured (Certificate #22993). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Twin River Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.