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Trailwest Bank
Lolo, MT · FDIC Certificate #23806 · Chartered 05/1
Total assets
$1.11B
Total deposits
$860.23M
Total equity
$94.03M
Net loans
$883.29M
Branches (offices)
15
Net income (YTD)
$9.53M
Rank: #953 of 4,213 U.S. banks by assets · #7 of 35 in Montana. Assets changed 10.4% and deposits 11.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.76% |
| Return on equity | 20.64% |
| Net interest margin (YTD) | 4.11% |
| Equity to assets | 8.50% |
| Tier 1 leverage ratio | 8.62% |
| Uninsured deposits (share of deposits) | 41.9% |
| Noncurrent loans (share of loans) | 1.82% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 102.7% |
| Real estate loans (share of loans) | 88.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $785.34M | 88.9% | |
| Commercial & industrial | $71.31M | 8.1% | |
| Consumer / individual | $14.50M | 1.6% | |
| Construction & development | $97.02M | 11.0% | |
| Agricultural | $17.32M | 2.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $928.22M | $739.70M | $6.17M | $78.94M |
| Jun 2023 | $905.17M | $680.72M | $7.73M | $79.77M |
| Jun 2024 | $913.86M | $688.29M | $7.08M | $80.27M |
| Jun 2025 | $1.00B | $771.24M | $8.35M | $84.47M |
| Jun 2026 | $1.11B | $860.23M | $9.53M | $94.03M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Montana | $860.23M | 15 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $860.23M.
Similar-sized banks
St. Louis Bank ($1.11B) · Triad Bank ($1.11B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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