TrailWest Bank
Lolo, Montana, Missoula County
$1.1B in total assets, the 974th largest of 4,309 US banks and 7th of 35 headquartered in Montana.
- FDIC certificate
- 23806
- Established
- 1982
- Owned by
- Bitterroot Holding Co
- Primary regulator
- FDIC
- Website
- www.trailwest.bank
At a glance
Compared with 901 US banks with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.1B | 10% | $2.0B | |
| Loans | $895M | 22% | $1.4B | |
| Deposits | $860M | 5% | $1.7B | |
| Return on assets | 1.93% | 86% | 1.23% | |
| Net interest margin | 4.11% | 74% | 3.71% | |
| Efficiency ratio | 52.0% | 28% | 59.1% | |
| Equity to assets | 8.49% | 13% | 10.38% | |
| Loans to deposits | 104% | 91% | 88% |
Growth
Total assets grew 4.7% a year over the last 5 years and 10.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2015 | West One Bank Kalispell, MT, an affiliate under the same holding company | $40M |
| Jan 2012 | Ravalli County Bank Hamilton, MT | $187M |
Where they operate
15 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Missoula County, MT | $435M | 11.0% | 4 of 11 |
| Ravalli County, MT | $272M | 20.5% | 2 of 7 |
| Flathead County, MT | $85M | 2.1% | 9 of 12 |
| Mineral County, MT | $68M | 100.0% | 1 of 1 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (13 to 15, +15.4%). 2 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 13 | |||
| 2016 | Opened Missoula | 1 | 0 | +1 | 14 |
| 2018 | Opened Missoula | 1 | 0 | +1 | 15 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 43% | 25% | |
| Commercial real estate | 23% | 32% | |
| Construction and land | 11% | 8% | |
| Business (C&I) | 8% | 14% | |
| Farmland | 5% | 3% | |
| Multifamily | 5% | 8% | |
| Agricultural | 2% | 2% | |
| Consumer | 2% | 4% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 44% | 52% | |
| Time deposits | 32% | 27% | |
| Noninterest-bearing | 24% | 21% |
Brokered deposits are 4.2% of deposits (peers 6.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.82% | 0.51% |
| Net charge-offs, annualized | 0.16% | 0.04% |
| Reserves to loans | 1.35% | 1.15% |
| Leverage ratio | 8.62% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Montana
Largest competitors in Missoula County, MT
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/trailwest