Twin Falls, ID · Cert 28845
State savings bank · OCC · 14 branches
Q2 2026
Market Position · Twin Falls, ID · 2026 SOD (annual) · 29.7% share · #1 of 12 inst. · $0.8B of $2.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.58% | 0.48% | 0.95% | 0.75% | 1.11% | 0.98% | 1.56% | +62 bps | |
| Return on Equity | 4.26% | 7.74% | 6.19% | 11.92% | 9.00% | 12.57% | 10.78% | 16.52% | +460 bps | |
| Net Interest Margin | 2.50% | 2.67% | 2.94% | 3.25% | 3.36% | 3.55% | 3.60% | 3.94% | +69 bps | |
| Efficiency Ratio | 86.42% | 78.30% | 81.46% | 67.96% | 75.84% | 66.72% | 70.40% | 65.35% | -260 bps | |
| Non-Interest Burden | 2.06% | 1.93% | 2.26% | 1.93% | 2.34% | 2.08% | 2.28% | 2.24% | +31 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 / Loans | 0.09% | 0.04% | 0.00% | 0.00% | 0.30% | 0.13% | 0.05% | 0.01% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.00% | 0.02% | -0.01% | -0.11% | 0.00% | 0.01% | -1 bps | |
| Allowance / Loans | 0.92% | 0.92% | 0.93% | 0.91% | 0.93% | 0.96% | 0.96% | 0.97% | +6 bps | |
| Allowance Coverage of NPLs | 10.4x | 26.0x | 225.2x | 187.6x | 3.1x | 7.4x | 19.1x | 183.5x | -4.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.99% | 8.30% | 8.75% | 9.03% | 9.18% | 9.62% | 9.95% | 10.43% | +140 bps | |
| Total Risk-Based Capital | 13.29% | 13.11% | 13.33% | 13.02% | 13.61% | 13.63% | 14.02% | 14.26% | +124 bps | |
| Equity / Assets | 7.35% | 7.55% | 7.86% | 8.02% | 8.57% | 9.03% | 9.22% | 9.72% | +170 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.76% | 81.06% | 81.06% | 83.45% | 84.71% | 86.47% | 86.82% | 86.38% | +292 bps | |
| Liquid Assets / Assets | 19.42% | 15.62% | 14.21% | 12.77% | 12.20% | 10.93% | 10.45% | 9.92% | -285 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 287% | 288% | 296% | n/a | n/a | |