TrailWest Bank
11300 Us Highway 93 S, Lolo, MT 59847
Financial Overview
Financial Health Analysis
TrailWest Bank is a currently active commercial lending specialization banking institution headquartered in Lolo, Montana. Established in 05/17/1982, this institution operates under regulatory supervision and is fully insured by the FDIC.
As a financial institution, TrailWest Bank manages $1.09B in total assets and holds $845.6M in customer deposits. When evaluating the stability of TrailWest Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 8.61%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.
In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.73%, while its Return on Equity (ROE) sits at 20.29%. These robust metrics contribute to an overall health score of 9.4 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$56.4M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
Website: www.trailwest.bank
FDIC Certificate #: 23806
Specialization: Commercial Lending Specialization