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First Federal Savings Bank of Twin Falls

Twin Falls, ID · Cert 28845

State savings bank · OCC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=313 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

25

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Federal Savings Bank of Twin Falls

Twin Falls, ID · Cert 28845

State savings bank · OCC · 14 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.3BDeposits
$138.1MEquity
Loan mix
92%RE $1.0B6%C&I $0.1B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $912.3M27%Noninterest $338.7MQ2 2025Q2 2026

NIM

4.70%Q2 ’244.92%Q2 ’255.21%Q2 ’26+31%+22%

Non-interest income vs. expense

2.53%Q2 ’242.89%Q2 ’253.19%Q2 ’26+10%+8%

Market Position · Twin Falls, ID · 2026 SOD (annual) · 29.7% share · #1 of 12 inst. · $0.8B of $2.8B

33.0% Twin Falls
1.1% Ada
16.4% Cassia
27.3% Minidoka

Executive Summary

  • Earnings: ROA of 1.27%, up 56 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.01% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.43%, up 140 bps from a year ago.
  • Funding: loans stand at 86.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%+56 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+69 bps YoY

Efficiency Ratio (YTD, annualized)

67.77%-654 bps YoY

Tier 1 Leverage Ratio

10.43%+140 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.72%0.82%0.98%1.27%+56 bps
Return on Equity9.10%9.06%9.99%10.78%13.67%+457 bps
Net Interest Margin3.10%3.18%3.31%3.60%3.79%+69 bps
Efficiency Ratio74.31%74.85%72.69%70.40%67.77%-654 bps
Non-Interest Burden2.10%2.17%2.18%2.28%2.27%+17 bps
Growth
Asset Growth (YoY)-4.27%-5.11%-2.69%-2.21%-4.74%-47 bps
Loan Growth (YoY)3.95%3.15%3.23%3.84%0.59%-336 bps
Deposit Growth (YoY)0.89%-2.88%-3.22%-3.05%-2.81%-370 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.30%0.13%0.05%0.01%0 bps
Net Charge-Offs / Loans0.01%0.00%-0.03%0.00%0.01%0 bps
Allowance / Loans0.91%0.93%0.96%0.96%0.97%+6 bps
Allowance Coverage of NPLs187.6x3.1x7.4x19.1x183.5x-4.2x
Capital
Tier 1 Leverage Ratio9.03%9.18%9.62%9.95%10.43%+140 bps
Total Risk-Based Capital13.02%13.61%13.63%14.02%14.26%+124 bps
Equity / Assets8.02%8.57%9.03%9.22%9.72%+170 bps
Liquidity & Funding
Loans / Deposits83.45%84.71%86.47%86.82%86.38%+292 bps
Liquid Assets / Assets12.77%12.20%10.93%10.45%9.92%-285 bps
CRE / Total Capitaln/a287%288%296%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Federal Savings Bank of Twin Falls

Twin Falls, ID · Cert 28845 · Peer group: banks $1B-$10B in assets (n=313-319)

State savings bank · OCC · 14 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.3BDeposits
$138.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 96% of banks $1B-$10B in assets (rank 13 of 313).
  • Widest gap: efficiency ratio trails 75% of banks $1B-$10B in assets (rank 241 of 319).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.28%

Rank 134 of 319

Net Interest Margin

3.79%

Rank 88 of 319

Efficiency Ratio

67.77%

Rank 241 of 319

Equity / Assets

9.72%

Rank 192 of 319

Non-interest income vs. expense

$13.2M$45.5MINCOMEEXPENSE
Unfavorable gap of $32.4M · efficiency ratio beats 25% of banks $1B-$10B in assets
Bank 67.77%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.91%1.21%1.53%Beats 58%134 / 319
Return on Equity13.21%8.49%11.44%14.57%Beats 66%110 / 319
Net Interest Margin3.79%3.06%3.43%3.81%Beats 72%88 / 319
Efficiency Ratio67.77%51.90%59.57%67.64%Beats 25%241 / 319
Asset Quality
Nonperforming Loans / Loans0.01%0.25%0.54%1.18%Beats 96%13 / 313
Net Charge-Offs / Loans0.00%0.01%0.04%0.12%Beats 83%53 / 313
Capital
Tier 1 Capital Ratio13.30%11.74%12.99%15.28%Beats 55%145 / 319
Total Risk-Based Capital Ratio14.26%12.61%14.01%16.23%Beats 53%150 / 319
Equity / Assets9.72%9.03%10.33%12.01%Beats 40%192 / 319
Liquidity & Funding
Loans / Deposits86.38%76.76%88.16%95.43%47th pctl167 / 314
Loans / Assets76.07%65.79%74.05%79.84%58th pctl134 / 319
Brokered Deposits / Depositsn/aNot reported for this institution