Bank Comparison
First Federal Savings Bank of Twin Falls vs Northwest Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 10
winning metrics across 21 comparable rows
Capital adequacy
| Metric | First Federal Savings Bank of Twin Falls | Northwest Bank |
|---|---|---|
| CET1 Ratio | 13.05% | — |
| Tier 1 Capital Ratio | 13.05% | — |
| Total Capital Ratio | 14.02% | — |
| Tier 1 Leverage Ratio | 9.95% | 15.69% |
| Equity / Assets | 9.22% | 15.65% |
Profitability
| Metric | First Federal Savings Bank of Twin Falls | Northwest Bank |
|---|---|---|
| Return on Assets (ROA) | 0.98% | 1.38% |
| Return on Equity (ROE) | 10.78% | 8.92% |
| Net Interest Margin (NIM) | 3.74% | 4.43% |
| Yield on Earning Assets | 5.25% | 6.70% |
| Cost of Funds | 1.64% | 2.67% |
Asset quality
| Metric | First Federal Savings Bank of Twin Falls | Northwest Bank |
|---|---|---|
| Texas Ratio | 2.51% | 13.73% |
| Non-Performing Loan Ratio | 0.33% | 3.69% |
| Non-Performing Asset Ratio | 0.25% | 2.28% |
| Net Charge-Off Ratio | 0.00% | 0.94% |
| ACL / Loans | 0.96% | 1.66% |
Balance sheet
| Metric | First Federal Savings Bank of Twin Falls | Northwest Bank |
|---|---|---|
| Total Assets | $1,437M | $1,461M |
| Total Deposits | $1,245M | $1,120M |
| Total Loans | $1,081M | $904,589K |
| Total Equity | $132,550K | $228,706K |
| Net Income (quarter) | $3,534K | $5,047K |
Liquidity & funding
| Metric | First Federal Savings Bank of Twin Falls | Northwest Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.82% | 80.74% |
| Core Deposit Ratio | 92.77% | 93.28% |
| Uninsured Deposit Ratio | 20.49% | 41.69% |
Identity
| Metric | First Federal Savings Bank of Twin Falls | Northwest Bank |
|---|---|---|
| Headquarters City | TWIN FALLS | BOISE |
| Headquarters State | ID | ID |
| Asset Tier | Large | Large |
| Charter Class | 702479 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 14 | 6 |
| Employees (FTE) | 255 | 129 |
| Established | Jan. 1, 1916, midnight | March 31, 2008, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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