Twin River National Bank

Twin River National Bank is headquartered in Clarkston and is the 59^th largest bank in the state of Washington. It is also the 5,748^th largest bank in the nation. It was established in 1979 and as of March of 2012, it had grown to 29 employees at 4 locations. Twin River National Bank has a 3-star health rating.

Twin River National Bank Checking Account Rates

Twin River National Bank Savings Account Rates

Twin River National Bank Money Market Rates

Twin River National Bank CD Rates

Data for Q1 2012

Institution Statistics Twin River National Bank FDIC Certificate # 22993 BankRate Report View Year Established 1979 Employees 29 Primary Regulator OCC Assets and Liabilities Assets $71.08 million Loans $43.46 million Deposits $64.84 million Equity Capital $6.13 million Loan Loss Allowance $443,000 Unbacked Noncurrent Loans $629,000 Real Estate Owned $584,000 Historic Data - March 2011 Assets $65.61 million Equity Capital $5.93 million Loan Loss Allowance $402,000 Unbacked Noncurrent Loans $87,000 Real Estate Owned $413,000 Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets 0.83% Return on Equity 9.74% Interest Income $705,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Twin River National Bank had $1.21 million in non-current loans and owned real-estate with $6.58 million in equity and loan loss allowances on hand to cover it. This gives Twin River National Bank a Texas Ratio of 18.45% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Twin River National Bank increased slightly from 7.90% as of March 31, 2011 to 18.45% as of March 31, 2012, resulting in a negative change of 133.49%. This indicates that the balance sheet and financial strength for Twin River National Bank has declined slightly in recent periods. Deposit Growth In the past year, Twin River National Bank has increased its total deposits by $5.42 million, resulting in 9.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Twin River National Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Twin River National Bank has $71.08 million in assets with $6.58 million in equity, resulting in a capitalization level of 9.25%, which is average.

No reviews have been left for this bank yet. Be the first to review.