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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