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
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.91% | 1.22% | 1.52% | Beats 58% | 139 / 328 | | |
| Return on Equity | 13.21% | 8.43% | 11.45% | 14.43% | Beats 67% | 109 / 328 | | |
| Net Interest Margin | 3.79% | 3.03% | 3.45% | 3.83% | Beats 73% | 90 / 328 | | |
| Efficiency Ratio | 67.77% | 51.61% | 59.56% | 67.53% | Beats 24% | 250 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.24% | 0.51% | 1.03% | Beats 96% | 13 / 322 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 82% | 59 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 13.30% | 11.75% | 13.15% | 15.47% | Beats 53% | 153 / 328 | | |
| Total Risk-Based Capital Ratio | 14.26% | 12.63% | 14.15% | 16.46% | Beats 52% | 158 / 328 | | |
| Equity / Assets | 9.72% | 9.15% | 10.33% | 12.01% | Beats 39% | 201 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.38% | 76.63% | 87.92% | 95.36% | 47th pctl | 170 / 323 | | |
| Loans / Assets | 76.07% | 65.18% | 74.15% | 79.98% | 58th pctl | 138 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |