Trailwest Bank (FDIC #23806): Bank Stress & Real-Estate Credit Exposure
Trailwest Bank (FDIC Cert #23806): bank stress 61/100, elevated, STABLE over 7 days; parent BITTERROOT HOLDING CO.
Trailwest Bank (#23806) lends in 4 counties across 1 state; Trailwest Bank (#23806) reaches 46 ZIP codes: Montana 4 counties, 46 ZIPs.
Trailwest Bank (#23806) largest markets: Missoula County, MT (119 branches, 17 ZIPs) (#23806), Flathead County, MT (32 branches, 16 ZIPs) (#23806), Ravalli County, MT (36 branches, 9 ZIPs) (#23806), Mineral County, MT (12 branches, 6 ZIPs) (#23806).
Trailwest Bank (#23806) reports $1.11 billion in total assets; Trailwest Bank (#23806) equity $93.9 million (8.5% of Trailwest Bank (#23806) assets); Trailwest Bank (#23806) domestic deposits $860.2 million; Trailwest Bank (#23806) net income $9.5 million; Trailwest Bank (#23806) return on assets 1.76%; Trailwest Bank (#23806) return on equity 20.64%; Trailwest Bank (#23806) net interest income $21.0 million; Trailwest Bank (#23806) call report June 30, 2026.
Trailwest Bank (#23806) noncurrent real-estate loans 0.18% of its book; Trailwest Bank (#23806) residential 0.46%; Trailwest Bank (#23806) net charge-offs on real estate 1.17%; Trailwest Bank (#23806) residential charge-offs 3.01%.
Trailwest Bank (#23806) net interest margin 4.11% against an eight-quarter Trailwest Bank (#23806) average of 3.90% (Trailwest Bank (#23806) compression -0.21 points); Trailwest Bank (#23806) real-estate loans 18.1% of equity; Trailwest Bank (#23806) non-residential real estate 301.5% of equity; Trailwest Bank (#23806) rate-exposure score 40/100, Trailwest Bank (#23806) fixed-rate trap 40/100; Trailwest Bank (#23806) risk type credit driven; Trailwest Bank (#23806) rate regime rates elevated, Trailwest Bank (#23806) snapshot October 20, 2026.
Trailwest Bank (#23806) stress score moved from 59.5 on June 22, 2026 to 60.7 on October 20, 2026; Trailwest Bank (#23806) ranged 59.5 to 60.7 over 117 snapshots.
Trailwest Bank (#23806) alerts: 4 counties; top Trailwest Bank (#23806) alert scores: Missoula County, MT 38 (moderate); Kalispell County, MT 22 (low); Stevensville County, MT 22 (low); Superior County, MT 22 (low).