TrailWest Bank

Headquarters

11300 U.S. Highway 93 S. Ste D
Lolo, MT 59847
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.95% →
1-Year CD 0.10% 1.01% →
2-Year CD 0.20% 0.95% →
5-Year CD 0.40% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

TrailWest Bank is an FDIC insured institution located in Lolo, MT. It was founded in 1982 and has approximately $0.69 billion in assets. Customers can open an account at one of its 14 branches.

FDIC Insured Yes
FDIC Certificate # 23806
Date Established 1982
Assets $ 687.83 million
Loans $ 539.82 million
Deposits $ 537.76 million
Capital $ 63.96 million
 

For a more detailed analysis of TrailWest Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 25, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
CD Rates APY MIN MAX
12 Mo CD
0.10% $10,000 $14,999 Learn More
12 Mo CD
0.10% $100,000 $199,999 Learn More
18 Mo CD
0.10% $10,000 $14,999 Learn More
18 Mo CD
0.10% $100,000 $199,999 Learn More
24 Mo CD
0.20% $10,000 $14,999 Learn More
24 Mo CD
0.20% $100,000 $199,999 Learn More
30 Mo CD
0.35% $10,000 $14,999 Learn More
30 Mo CD
0.35% $100,000 $199,999 Learn More
36 Mo CD
0.40% $10,000 $14,999 Learn More
36 Mo CD
0.40% $100,000 $199,999 Learn More
48 Mo CD
0.40% $10,000 $14,999 Learn More
48 Mo CD
0.40% $100,000 $199,999 Learn More
60 Mo CD
0.40% $10,000 $14,999 Learn More
60 Mo CD
0.40% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 25, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for TrailWest Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to TrailWest Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

TrailWest Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


TrailWest Bank Locations


Financial Details

TrailWest Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of TrailWest Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
TrailWest Bank U.S. Bank Average
2.1% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, TrailWest Bank had $1,512,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $63,957,000 in equity and $7,876,000 in loans loss reserves. That gives it a Texas Ratio of 2.1%.

Return on Equity
TrailWest Bank U.S. Bank Average
13.26% 7.80%

TrailWest Bank has a Return on Equity of 13.26% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
TrailWest Bank U.S. Bank Average
9.3% 12.68%

TrailWest Bank has a Capitalization of 9.3% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

TrailWest Bank Balance Sheet Analysis

As of March 31, 2020, TrailWest Bank had assets of $687,832,000, loans of $539,821,000, and deposits of $537,762,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 93.15 million
Interest-bearing balances $ 76.38 million
Total securities $ 21.85 million
Federal funds sold and reverse repurchase $ 0.71 million
Net loans and leases $ 539.82 million
Loan loss allowance $ 7.88 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.09 million
All other assets $ 18.37 million
     Total Assets $ 623.88 million
LIABILITIES
Total deposits $ 537.76 million
      Interest-bearing deposits $ 405.53 million
      Deposits held in domestic offices $ 537.76 million
      % insured (estimated) 82.69%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 80.00 million
Subordinated debt N.A.
All other liabilities $ 6.11 million
      Total Liabilities $ 623.88 million
      Shareholders’ Equity $ 63.96 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 7.67 million
Total Interest Expense $ 1.79 million
Net interest income $ 5.88 million
Provision for loan and lease losses $ 0.35 million
Total non interest income $ 0.47 million
Total non interest expense $ 3.90 million
Pre-tax Net Operating Income $ 2.10 million

Bank Loan Profile?

The top three loan types in TrailWest Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Montana, TrailWest Bank has a significantly higher percent of 1-4 Family Residential Loans, Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 39.10
Multifamily
Mortgages
4.01
Credit Card Loans 0.00
Consumer Auto Loans 1.13
Small Business Loans 0.00
Construction and Development Loans 6.64
Commercial Real Estate 25.86
Commercial and Industrial Loans 11.68
Farm Loans 1.82

Frequently Asked Questions About Trailwest Bank

Branches and Savings

Is Trailwest Bank FDIC insured?

Yes. It is covered under FDIC Certificate #23806.

Why does Trailwest Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Trailwest Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Trailwest Bank a commercial bank?

Yes

Where are Trailwest Bank locations?

See branch locations nearby.

Is Trailwest Bank open on Saturdays?

Is Trailwest Bank open on Sundays?

What time does Trailwest Bank open?

What time does Trailwest Bank close?

Are Trailwest Bank ATMs Open 24/7?

Do Trailwest Bank ATMs accept cash deposits?

Can Trailwest Bank customers use other ATMs?

Do Trailwest Bank branches have notaries?

Will Trailwest Bank notarize my document?

What address for Trailwest Bank should I put for incoming ACH transfers?

Will the Trailwest Bank branch print checks?

Do Trailwest Bank checks expire?

Does Trailwest Bank require US citizenship to open account?

Can Trailwest Bank close my account?

Does Trailwest Bank Report to credit bureaus?

Does Trailwest Bank Use Equifax?

What is Trailwest Bank's ACH Routing Number?

What is Trailwest Bank's SWIFT code?

Products

Does Trailwest Bank offer mortgages?

Compare mortgage rates here.

Does Trailwest Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Trailwest Bank offer personal loans?

Compare personal loan rates here.

Does Trailwest Bank offer student loans?

Will Trailwest Bank cash a check?

Will Trailwest Bank redeem a savings bond?

Does Trailwest Bank cash savings bonds?

Will Trailwest Bank cash money orders?

Can Trailwest Bank issue a money order?

Does Trailwest Bank do currency exchange?

Background on The Bank

Who owns Trailwest Bank?

How long has Trailwest Bank been around?

Can Trailwest Bank transfer to other banks?

Does Trailwest Bank have quick pay?

Does Trailwest Bank accept rolled coins?

Will Trailwest Bank accept loose change?

Where is Trailwest Bank headquarters?

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