First Federal Savings Bank of Twin Falls: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Federal Savings Bank of Twin Falls, based in Twin Falls, Idaho, reported $1.4 billion in assets at June 30, 2026, down 4.7% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also lost 2.8% of its deposits over the year, lower than about 9 in 10 banks its size (median 5.1%).
Earnings jumped: net income for the quarter was $5.6 million, 60% above the same quarter a year earlier. Over the same year, loans grew 0.6% and deposits shrank 2.8%.
As of June 30, 2026, First Federal Savings Bank of Twin Falls reported a CET1 capital ratio of 13.30%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 0.04%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 383 Shoshone St N, Twin Falls, ID 83301
- County
- Twin Falls
- Metro Area
- Twin Falls, ID
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1916
- Offices
- 14 domestic
- Employees (FTE)
- 257
- Domestic deposits
- $1.25B
- Allowance for credit losses
- $10.5M
- Net charge-offs (YTD)
- $31K
- Average total assets
- $1.43B
- Average total loans
- $1.09B
- Average interest-bearing deposits
- $907.1M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28845
- Fed RSSD
- 582971
- Website
- www.BankFirstFed.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Federal Savings Bank of Twin Falls terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.30% | 1.57% | 0.29% | 0.04% | 4.09% |
| Q1 2026 | 13.05% | 0.98% | 0.33% | 0.38% | 3.74% |
| Q4 2025 | 12.68% | 1.10% | 0.28% | 0.98% | 3.71% |
| Q3 2025 | 12.65% | 0.75% | 0.56% | 2.37% | 3.51% |
| Q2 2025 | 12.10% | 0.95% | 0.22% | 0.04% | 3.40% |
| Q1 2025 | 12.38% | 0.48% | 0.32% | 0.03% | 3.06% |
| Q4 2024 | 12.18% | 0.57% | 0.28% | 0.30% | 2.81% |
| Q3 2024 | 12.33% | 0.30% | 0.33% | 0.75% | 2.60% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Savings Bank of Twin Falls (main office) | Twin Falls , ID | 83301 | $255.8M |
| Eagle Branch | Meridian , ID | 83642 | $155.9M |
| Blue Lakes Branch | Twin Falls , ID | 83301 | $131.3M |
| Rupert Branch | Rupert , ID | 83350 | $90.4M |
| Buhl Branch | Buhl , ID | 83316 | $89.3M |
| Falls West Branch | Twin Falls , ID | 83301 | $81.4M |
| Cheney Branch | Twin Falls , ID | 83301 | $80.2M |
| Kimberly Rd Branch | Kimberly , ID | 83341 | $73.6M |
| Burley Overland Branch | Burley , ID | 83318 | $67.3M |
| Burley Main St Branch | Burley , ID | 83318 | $67.2M |
| Jerome Branch | Jerome , ID | 83338 | $59.8M |
| Eastland Branch | Twin Falls , ID | 83301 | $50.8M |
| Chinden Fox Run Branch | Meridian , ID | 83646 | $24.2M |
| Nampa Branch | Nampa , ID | 83651 | $23.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 31, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 3, 1981 | Structure Change | Acquired Guaranty Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for First Federal Savings Bank of Twin Falls, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.0% of deposits in ID, rank 13 of 31 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $4.0M approved, $803K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Federal Savings Bank of Twin Falls
What are First Federal Savings Bank of Twin Falls's total assets?
As of the Q2 2026 filing, First Federal Savings Bank of Twin Falls reported total assets of $1.42 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Savings Bank of Twin Falls headquartered?
First Federal Savings Bank of Twin Falls is headquartered in Twin Falls, ID, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was First Federal Savings Bank of Twin Falls founded?
First Federal Savings Bank of Twin Falls was established in 1916, per the FDIC institution directory.
Is First Federal Savings Bank of Twin Falls FDIC-insured?
Yes. First Federal Savings Bank of Twin Falls is an FDIC-insured savings institution (FDIC Certificate #28845). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Savings Bank of Twin Falls?
First Federal Savings Bank of Twin Falls's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Federal Savings Bank of Twin Falls's CET1 capital ratio?
First Federal Savings Bank of Twin Falls reported a Common Equity Tier 1 (CET1) capital ratio of 13.30% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Savings Bank of Twin Falls operate?
First Federal Savings Bank of Twin Falls operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Savings Bank of Twin Falls's Texas Ratio?
First Federal Savings Bank of Twin Falls's Texas Ratio is 0.04% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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