Twin River Bank

1507 G Street
Lewiston, ID 83501

Notable Rates APY Vs.Others
Savings 0.05% 1.90% →
1-Year CD 0.50% 1.90% →
2-Year CD 0.70% 1.95% →
5-Year CD 0.85% 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Bank Information

Twin River Bank is an FDIC insured institution located in Lewiston, ID. It was founded in 1979 and has approximately $0.11 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 22993
Date Established 1979
Assets $0.11 billion
Loans $0.06 billion
Deposits $0.10 billion
Capital $0.01 billion

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

Deposit Rates - April 8, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $2,500 $9,999 Learn MoreShow Less
Money Market
0.10% $10,000 $24,999 Learn MoreShow Less
Money Market
0.15% $25,000 $99,999 Learn MoreShow Less
3 Mo CD
0.15% $500 - Learn MoreShow Less
6 Mo CD
0.25% $500 - Learn MoreShow Less

Fixed IRA
0.50% $500 - Learn MoreShow Less
Special: 30 Mo FIRA
0.70% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 - Learn MoreShow Less

Loan Rates - April 8, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Twin River Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.542% 4.500% 0.00 $1,250 $1,267 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
3.500 %
$0 Learn More
More Info

Note to Twin River Bank
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Financial Details

Twin River Bank Ratio Analysis

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

Texas Ratio
Twin River Bank U.S. Bank Average
1.22% 6.51%

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 December 31, 2019, Twin River Bank had $122,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $9,385,000 in equity and $624,000 in loans loss reserves. That gives it a Texas Ratio of 1.22%.

Return on Equity
Twin River Bank U.S. Bank Average
22.66% 9.41%

Twin River Bank has a Return on Equity of 22.66% versus the BestCashCow average of 9.41%. 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.

Twin River Bank U.S. Bank Average
8.87% 12.82%

Twin River Bank has a Capitalization of 8.87% versus the BestCashCow average of 12.82. 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.

Twin River Bank Balance Sheet Analysis

As of December 31, 2019, Twin River Bank had assets of $105,837,000, loans of $62,100,000, and deposits of $96,332,000. 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

December 31, 2019
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.04 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.06 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.10 billion
Total deposits $0.10 billion
      Interest-bearing deposits $0.07 billion
      Deposits held in domestic offices $0.10 billion
      % insured (estimated) 79.95%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.10 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

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

Compared to other banks in Idaho, Twin River Bank has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto Loans, Construction and Development Loans 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 32.02
Credit Card Loans 0.00
Consumer Auto Loans 2.47
Small Business Loans 18.66
Construction and Development Loans 14.76
Commercial Real Estate 19.87
Commercial and Industrial Loans 24.55
Farm Loans 1.36

Frequently Asked Questions About Twin River Bank

Branches and Savings

Is Twin River Bank FDIC insured?

Yes. It is covered under FDIC Certificate #22993.

Why does Twin River Bank pay such low interest on savings accounts?

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

Why are Twin River Bank CD rates not competitive?

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

Is Twin River Bank a commercial bank?


Where are Twin River Bank locations?

See branch locations nearby.

Is Twin River Bank open on Saturdays?

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Are Twin River Bank ATMs Open 24/7?

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Will the Twin River Bank branch print checks?

Do Twin River Bank checks expire?

Does Twin River Bank require US citizenship to open account?

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Does Twin River Bank offer mortgages?

Compare mortgage rates here.

Does Twin River Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Twin River Bank offer personal loans?

Compare personal loan rates here.

Does Twin River Bank offer student loans?

Will Twin River Bank cash a check?

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Background on The Bank

Who owns Twin River Bank?

How long has Twin River Bank been around?

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Does Twin River Bank have quick pay?

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