First Federal Savings Bank of Twin Falls
First Federal Savings Bank of Twin Falls is an FDIC-insured savings institution headquartered in Twin Falls, ID, supervised by the OCC, with $1.40B in total assets at Q3 2026, down 3.9% from Q3 2025, the 5th largest of 10 banks headquartered in Idaho. It was established in 1916 and holds FDIC certificate 28845. Its CET1 capital ratio was 14.31% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as FFSB of Twin Falls
BankRegReports is independent of First Federal Savings Bank of Twin Falls and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28845
- Headquarters
- Twin Falls, ID
- Established
- 1916
- Total assets, Q3 2026
- $1.40B
- Assets vs Q3 2025
- -3.9%
- CET1 ratio, Q3 2026
- 14.31%
- Domestic offices
- 14 branches
- Routing number
- 324170179
- Safety and soundness
- Is First Federal Savings Bank of Twin Falls safe?
- Latest call report
- Q3 2026, FFIEC 051 · First Federal Savings Bank of Twin Falls call report
- Asset rank in state
- 5th of 10 in Idaho
First Federal Savings Bank of Twin Falls, based in Twin Falls, Idaho, reported $1.4 billion in assets at September 30, 2026, down 3.9% from a year earlier. It carries problem assets equal to 0.7% of the capital and reserves that would absorb them, a small fraction of the median of 3.9% for the 887 banks with $1 billion to $10 billion in assets. It also shrank its loan book 0.2% over the year, lower than about three-quarters of banks its size (median 6.0%).
Earnings jumped: net income for the quarter was $4.1 million, 50% above the same quarter a year earlier. Unrealized losses on its securities total $26 million, equal to 17% of Tier 1 capital, against 16% a year earlier. Costs are the weak spot: it spends about 68 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 57 cents).
As of September 30, 2026, First Federal Savings Bank of Twin Falls reported a CET1 capital ratio of 14.31%, a return on assets of 1.17%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.71%. The figures come from its call report filed with the FFIEC.
Of the 10 banks headquartered in Idaho, First Federal Savings Bank of Twin Falls is the 5th largest by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets fell 1.3% to $1.40B, loans fell 1.5% and deposits fell 0.1%. The largest part of its loan book on September 30, 2026 was 1-4 family residential loans, at 52.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 14.6%. Its 14 offices in the FDIC Summary of Deposits are in 8 cities in ID; its Twin Falls 5 offices book 48% of its branch deposits. Judged on its Q3 2026 call report, First Federal Savings Bank of Twin Falls meets every capital ratio test for well capitalized.
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
- 1916
- Domestic offices
- 14 branches
- Employees (FTE)
- 256
- Domestic deposits
- $1.25B
- Allowance for credit losses
- $10.6M
- Net charge-offs (YTD)
- $52K
- Average total assets
- $1.41B
- Average total loans
- $1.08B
- Average interest-bearing deposits
- $912.4M
- 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
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Watch First Federal Savings Bank of Twin Falls: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, First Federal Savings Bank of Twin Falls's total assets ranged from $1.40B (Q3 2026) to $1.56B (Q1 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$1.40B total assets against $1.46B; $1.26B total liabilities against $1.33B.
$1.05B net loans and leases against $1.06B; $1.25B total deposits against $1.26B.
$238.1M securities against $292.5M; $50.6M cash and balances due against $42.3M.
$18.9M total interest income against $18.9M; $4.6M total interest expense against $6.5M.
$14.3M net interest income against $12.4M.
$3.4M total noninterest income against $3.2M; $12.2M total noninterest expense against $11.8M.
$158K provision for credit losses against $102K.
$4.1M net income against $2.8M.
1.17% return on assets against 0.75%; 4.21% net interest margin against 3.51%.
14.31% CET1 capital ratio against 12.65%; 10.82% tier 1 leverage ratio against 9.18%.
Inside the full First Federal Savings Bank of Twin Falls terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Savings Bank of Twin Falls rankings
Its closest position to the top of a national ranking is 785 of 4,193, for total assets; its furthest is 806 of 973, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.48% (Q1 2025) to 1.57% (Q2 2026) and its net interest margin ran from 2.81% (Q4 2024) to 4.21% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 14.31% | 1.17% | 0.10% | 0.71% | 4.21% |
| Q2 2026 | 13.30% | 1.57% | 0.01% | 0.04% | 4.09% |
| Q1 2026 | 13.05% | 0.98% | 0.05% | 0.38% | 3.74% |
| Q4 2025 | 12.68% | 1.10% | 0.13% | 0.98% | 3.71% |
| Q3 2025 | 12.65% | 0.75% | 0.30% | 2.37% | 3.51% |
| Q2 2025 | 12.10% | 0.95% | 0.00% | 0.04% | 3.40% |
| Q1 2025 | 12.38% | 0.48% | 0.00% | 0.03% | 3.06% |
| Q4 2024 | 12.18% | 0.57% | 0.04% | 0.30% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
View all 14 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 3.0% of deposits in ID, rank 13 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,268 applications, 739 loans originated, $182.0M originated, across 8 states
- Period: Calendar year 2025. 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use and updated each quarter. It states no rating or capital category.
Similar banks
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 Q3 2026 filing, First Federal Savings Bank of Twin Falls reported total assets of $1.40 billion in its FFIEC call report.
Where is First Federal Savings Bank of Twin Falls headquartered?
It is headquartered in Twin Falls, ID, United States.
When was First Federal Savings Bank of Twin Falls founded?
It was established in 1916, per the FDIC institution directory.
Is First Federal Savings Bank of Twin Falls FDIC-insured?
Yes. It 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.
What is First Federal Savings Bank of Twin Falls's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.31% in its Q3 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?
It 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?
Its Texas Ratio is 0.71% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
Go deeper on First Federal Savings Bank of Twin Falls.
Get an email when First Federal Savings Bank of Twin Falls files its next call report, and benchmark it against any peer you choose.
Unlock First Federal Savings Bank of Twin Falls, freeFree account