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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=322 to 328). 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

48

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

24

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 $0.0BQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $912.3M27%Noninterest $338.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.38%0.48%0.71%0.72%0.82%0.98%1.27%+56 bps
Return on Equity4.55%5.39%6.19%9.10%9.06%9.99%10.78%13.67%+457 bps
Net Interest Margin2.41%2.52%2.94%3.10%3.18%3.31%3.60%3.79%+69 bps
Efficiency Ratio85.24%83.39%81.46%74.31%74.85%72.69%70.40%67.77%-654 bps
Non-Interest Burden1.96%1.98%2.26%2.10%2.17%2.18%2.28%2.27%+17 bps
Growth
Asset Growth (YoY)6.18%0.78%-5.78%-4.27%-5.11%-2.69%-2.21%-4.74%-47 bps
Loan Growth (YoY)3.95%1.08%1.26%3.95%3.15%3.23%3.84%0.59%-336 bps
Deposit Growth (YoY)14.18%6.58%1.81%0.89%-2.88%-3.22%-3.05%-2.81%-370 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.04%0.00%0.00%0.30%0.13%0.05%0.01%0 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.01%0.00%-0.03%0.00%0.01%0 bps
Allowance / Loans0.92%0.92%0.93%0.91%0.93%0.96%0.96%0.97%+6 bps
Allowance Coverage of NPLs10.4x26.0x225.2x187.6x3.1x7.4x19.1x183.5x-4.2x
Capital
Tier 1 Leverage Ratio7.99%8.30%8.75%9.03%9.18%9.62%9.95%10.43%+140 bps
Total Risk-Based Capital13.29%13.11%13.33%13.02%13.61%13.63%14.02%14.26%+124 bps
Equity / Assets7.35%7.55%7.86%8.02%8.57%9.03%9.22%9.72%+170 bps
Liquidity & Funding
Loans / Deposits79.76%81.06%81.06%83.45%84.71%86.47%86.82%86.38%+292 bps
Liquid Assets / Assets19.42%15.62%14.21%12.77%12.20%10.93%10.45%9.92%-285 bps
CRE / Total Capitaln/an/an/an/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=322-328)

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 322).
  • Widest gap: efficiency ratio trails 76% of banks $1B-$10B in assets (rank 250 of 328).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.28%

Rank 139 of 328

Net Interest Margin

3.79%

Rank 90 of 328

Efficiency Ratio

67.77%

Rank 250 of 328

Equity / Assets

9.72%

Rank 201 of 328

Non-interest income vs. expense

$13.2M$45.5MINCOMEEXPENSE
Unfavorable gap of $32.4M · efficiency ratio beats 24% 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 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.28%0.91%1.22%1.52%Beats 58%139 / 328
Return on Equity13.21%8.43%11.45%14.43%Beats 67%109 / 328
Net Interest Margin3.79%3.03%3.45%3.83%Beats 73%90 / 328
Efficiency Ratio67.77%51.61%59.56%67.53%Beats 24%250 / 328
Asset Quality
Nonperforming Loans / Loans0.01%0.24%0.51%1.03%Beats 96%13 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 82%59 / 322
Capital
Tier 1 Capital Ratio13.30%11.75%13.15%15.47%Beats 53%153 / 328
Total Risk-Based Capital Ratio14.26%12.63%14.15%16.46%Beats 52%158 / 328
Equity / Assets9.72%9.15%10.33%12.01%Beats 39%201 / 328
Liquidity & Funding
Loans / Deposits86.38%76.63%87.92%95.36%47th pctl170 / 323
Loans / Assets76.07%65.18%74.15%79.98%58th pctl138 / 328
Brokered Deposits / Depositsn/aNot reported for this institution