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First Federal Savings Bank of Twin Falls

$1B-$10B Specialty: Commercial ID FDIC cert 28845

Designations: ✓ Community bank ✓ Mutual

Twin Falls, ID

14 branches across ID

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 5 in ID.
  • Deposits -2.8% year over year ($1.3B on the books).
  • Delinquency rate 0.01%.
  • Return on assets 1.27%.
  • Efficiency ratio 67.77% vs a 59.73% peer average.
  • Loan-to-deposit ratio 85.54% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 5 in ID
View $1B-$10B leaderboard (ID) →

First Federal Savings Bank of Twin Falls has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.86% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.14% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.1% in tier
  • - Credit Risk Growth: Bottom 0.1% in tier
  • - ROA 0.12% below tier average
  • - Efficiency Ratio 8.04% above tier average
Get updates when First Federal Savings Bank of Twin Falls releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Total Assets ? $1.4B
-4.7% YoY -1.2% QoQ
-$1.4B $2.8B
-0.6% YoY
$1.2B
+4.9% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $1.1B
+0.5% YoY -0.1% QoQ
-$893.1M $2.0B
-0.3% YoY
$741.9M
+9.8% YoY
$3.2B
+9.4% YoY
35%
Total Deposits ? $1.3B
-2.8% YoY +0.5% QoQ
-$1.1B $2.3B
-0.5% YoY
$1.0B
+5.9% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 1.27%
+79.2% YoY +29.6% QoQ
-0.12% 1.39%
+17.0% YoY
1.42%
+7.8% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 4.01%
+22.1% YoY +4.6% QoQ
+0.14% 3.87%
+6.2% YoY
4.21%
+5.4% YoY
3.95%
+4.9% YoY
68%
Efficiency Ratio ? 67.77%
-8.8% YoY -3.7% QoQ
+8.04% 59.73%
-12.6% YoY
57.44%
-5.2% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 0.01%
+9.0% YoY -89.4% QoQ
-0.86% 0.87%
+11.7% YoY
1.19%
+207.4% YoY
0.98%
+16.3% YoY
Top 3.5% in tier
Loan-to-Deposit Ratio ? 85.54%
+3.4% YoY -0.5% QoQ
+0.50% 85.04%
-0.1% YoY
74.07%
+1.8% YoY
79.03%
+2.3% YoY
54%
Non-Interest-Bearing Deposit Share ? 27.07%
+7.4% YoY -1.4% QoQ
+5.80% 21.27%
-1.5% YoY
28.32%
+5.3% YoY
21.98%
-0.6% YoY
77%
Nonperforming Asset Ratio ? 0.00%
+15.1% YoY -89.3% QoQ
-0.67% 0.67%
+11.7% YoY
0.71%
+195.7% YoY
0.69%
+15.8% YoY
Top 3.3% in tier
Tier 1 Capital Ratio ? 13.30%
+9.9% YoY +1.9% QoQ
-1.55% 14.84%
-0.4% YoY
15.84%
+2.7% YoY
17.09%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.46%
+19.3% YoY +114.1% QoQ
-0.06% 0.53%
+2.5% YoY
0.23%
+7.1% YoY
0.66%
+5.2% YoY
78%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Noninterest-Bearing 27.1%
+1.9pp YoY
-0.4pp QoQ
 +5.7pp 21.4% 28.3% 22.2% 77%
Brokered Deposits n/a n/a 9.5% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
C&I 5.8%
-1.0pp YoY
-0.2pp QoQ
 -8.2pp 14.0% 16.5% 12.5% 22%
CRE 40.6%
+4.9pp YoY
+1.0pp QoQ
 -9.5pp 50.0% 45.4% 41.4% 26%
1-4 Family 53.3%
-3.0pp YoY
-0.6pp QoQ
 +26.9pp 26.4% 20.7% 31.3% 92%
Consumer 1.6%
-0.7pp YoY
-0.1pp QoQ
 -3.1pp 4.7% 7.4% 5.0% 58%

Capital

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
CET1 Ratio 13.3%
+1.2pp YoY
+0.2pp QoQ
 -2.3pp 15.6% 17.1% 19.7% 46%
Leverage Ratio 10.4%
+1.4pp YoY
+0.5pp QoQ
 -0.9pp 11.3% 12.6% 12.6% 48%
Total Capital Ratio 14.3%
+1.2pp YoY
+0.2pp QoQ
 -2.4pp 16.7% 18.3% 20.8% 43%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Full-Time Employees 257
+1 (+0.4%) YoY
+2 (+0.8%) QoQ
 -57 313 143 482 57%
Assets per Employee ($) $5.5M
-5.1% YoY
-2.0% QoQ
 -$5.0M $10.5M $8.0M $8.8M 7%
Branch Count 14
0 YoY
0 QoQ
 -6 20 11 18 46%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.0% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.8% 1.3% 1.0% 1%
Allowance Coverage 183.46x
-2.2% YoY
+859.3% QoQ
 +164.75x 18.71x 25.14x 20.23x 99%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.2% 26%

Profitability

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
ROE 13.7%
+4.6pp YoY
+2.9pp QoQ
 +1.1pp 12.6% 11.8% 11.6% 63%
Cost of Funds (YTD) 1.5%
-0.4pp YoY
-0.1pp QoQ
 -0.4pp 1.9% 1.4% 1.7% 23%
Net Income ($, YTD) $9.1M
+73.4% YoY
— QoQ
 -$10.1M $19.2M $8.6M $40.4M 35%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#1 of 492 • Bottom 0.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#1 of 402 • Bottom 0.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

30
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#30 of 885 Top 3.3% in $1B-$10B
32
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.87%
#32 of 882 Top 3.5% in $1B-$10B
200
Non-Interest Income / Assets
revenue_mix
Value: 0.46%
Peer Median: 0.53%
#200 of 885 Top 22.5% in $1B-$10B
204
Non-Interest-Bearing Deposit Share
funding
Value: 27.07%
Peer Median: 21.27%
#204 of 885 Top 22.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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