| Metric | Twin River Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +4.4% | +4.0 pts |
| Deposit growth (YoY) | +7.8% | +4.0% | +3.9 pts |
| Loan growth (YoY) | -0.9% | +5.6% | -6.4 pts |
| ROA | 3.04% | 1.24% | +1.8 pts |
| ROE | 24.1% | 11.9% | +12.2 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $173.0M | $150.5M | $116.0M | $22.0M | $2.6M | 3.04% | 5.39% | 0.11% |
| Q1 2026 | $172.6M | $150.5M | $115.4M | $21.7M | $1.2M | 2.93% | 5.33% | 0.12% |
| Q4 2025 | $167.7M | $145.6M | $118.8M | $21.2M | $4.9M | 3.06% | 5.49% | 0.15% |
| Q3 2025 | $158.4M | $137.4M | $114.8M | $20.4M | $3.6M | 3.01% | 5.43% | 0.29% |
| Q2 2025 | $159.7M | $139.5M | $117.0M | $19.6M | $2.4M | 2.94% | 5.38% | 0.18% |
| Q1 2025 | $158.5M | $138.9M | $110.2M | $19.2M | $1.1M | 2.85% | 5.24% | 0.20% |
| Q4 2024 | $160.9M | $141.9M | $114.1M | $18.5M | $4.6M | 3.20% | 5.94% | 0.09% |
| Q3 2024 | $149.7M | $131.5M | $116.9M | $17.6M | $3.6M | 3.41% | 6.10% | 0.10% |
Loan mix (Q2 2026): real estate $95.9M · commercial $16.1M · consumer $4.4M · securities $3.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Twin River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.04% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 24.1% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.3% | 62.9% | 5th |
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% |
| Ratio | Twin River 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% |
| Ratio | Twin River 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% |
| Ratio | Twin River 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% |
| Ratio | Twin River Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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