Increase Bank
Total assets
$150.7M
▲ +107.7% YoY
Deposits
$135.4M
▲ +111.9% YoY
Loans
$61.5M
▲ +35.2% YoY
Offices
1
TWIN CITY BCORP INC
ROA (annualized)
0.39%
ROE (annualized)
3.15%
Peer comparison
No peer data.
Profile
- Established
- 2000
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- TWIN CITY BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 729 Vandercook Way, Longview, WA, 98632
- County
- Cowlitz
- Metro area
- Longview, WA
- Offices
- 1
- FDIC cert #
- 35261
- RSSD ID
- 2905761
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $150.7M | $135.4M | $61.5M | $14.5M | $226K | 0.39% | 3.98% | 0.24% |
| Q1 2026 | $114.6M | $99.5M | $55.4M | $14.4M | $170K | 0.69% | 4.17% | 0.37% |
| Q4 2025 | $81.5M | $64.4M | $52.0M | $14.2M | $653K | 0.88% | 4.51% | 0.52% |
| Q3 2025 | $76.5M | $69.1M | $46.3M | $6.9M | $450K | 0.83% | 4.47% | 0.56% |
| Q2 2025 | $72.5M | $63.9M | $45.5M | $6.5M | $216K | 0.61% | 4.44% | 0.59% |
| Q1 2025 | $70.7M | $62.6M | $44.0M | $6.0M | $97K | 0.55% | 4.44% | 0.83% |
| Q4 2024 | $69.7M | $63.6M | $42.2M | $5.7M | $415K | 0.58% | 4.35% | 1.63% |
| Q3 2024 | $74.0M | $67.3M | $44.7M | $6.1M | $358K | 0.66% | 4.29% | 0.80% |
Loan mix (Q2 2026): real estate $38.7M · commercial $18.1M · consumer $4.8M · securities $18.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Increase Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.8% | 62.9% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Increase Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Increase Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Increase Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Increase Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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