First Federal Savings Bank of Twin Falls
Twin Falls, ID · Cert 28845 · Peer group: banks $1B-$10B in assets (n=311-317)
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 311).
- Widest gap: efficiency ratio trails 76% of banks $1B-$10B in assets (rank 241 of 317).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.28%
Rank 134 of 317
Net Interest Margin
3.79%
Rank 88 of 317
Efficiency Ratio
67.77%
Rank 241 of 317
Equity / Assets
9.72%
Rank 195 of 317
Non-interest income vs. expense
Unfavorable gap of $32.4M · efficiency ratio beats 24% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.93% | 1.22% | 1.51% | Beats 58% | 134 / 317 | |
| Return on Equity | 13.21% | 8.63% | 11.43% | 14.48% | Beats 66% | 107 / 317 | |
| Net Interest Margin | 3.79% | 3.06% | 3.45% | 3.83% | Beats 72% | 88 / 317 | |
| Efficiency Ratio | 67.77% | 51.90% | 59.69% | 67.53% | Beats 24% | 241 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.24% | 0.51% | 1.14% | Beats 96% | 13 / 311 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 81% | 59 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 13.30% | 11.75% | 13.15% | 15.30% | Beats 53% | 149 / 317 | |
| Total Risk-Based Capital Ratio | 14.26% | 12.63% | 14.21% | 16.26% | Beats 51% | 155 / 317 | |
| Equity / Assets | 9.72% | 9.06% | 10.32% | 11.95% | Beats 38% | 195 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 86.38% | 76.63% | 88.04% | 95.67% | 47th pctl | 166 / 312 | |
| Loans / Assets | 76.07% | 65.41% | 74.05% | 79.71% | 58th pctl | 132 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |