First Federal Savings Bank of Twin Falls: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Equity capital to total assets rose 0.50 percentage points in Q2 2026 to 9.72%, the biggest move on this page. First Federal Savings Bank of Twin Falls has the 1st lowest CET1 ratio of the 7 banks headquartered in Idaho, at 13.30% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; First Federal Savings Bank of Twin Falls reported 13.30% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.30% |
| Tier 1 risk-based capital ratio | 13.30% |
| Total risk-based capital ratio | 14.26% |
| Tier 1 leverage ratio | 10.43% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $148.7M |
| Tier 1 capital | $148.7M |
| Total risk-based capital | $159.5M |
| Total equity capital | $138.1M |
| Risk-weighted assets | $1.12B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.72% |
| Tangible equity to tangible assets | 9.72% |
| Equity capital to average assets | 9.69% |
| Internal capital growth rate | 16.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $149.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.14% | 12.14% | 13.08% | 8.25% | $992.4M |
| Q4 2023 | 11.97% | 11.97% | 12.89% | 8.24% | $1.02B |
| Q1 2024 | 12.10% | 12.10% | 13.03% | 8.02% | $1.01B |
| Q2 2024 | 12.24% | 12.24% | 13.19% | 7.89% | $1.01B |
| Q3 2024 | 12.33% | 12.33% | 13.29% | 7.99% | $1.02B |
| Q4 2024 | 12.18% | 12.18% | 13.11% | 8.30% | $1.05B |
| Q1 2025 | 12.38% | 12.38% | 13.33% | 8.75% | $1.04B |
| Q2 2025 | 12.10% | 12.10% | 13.02% | 9.03% | $1.10B |
| Q3 2025 | 12.65% | 12.65% | 13.61% | 9.18% | $1.07B |
| Q4 2025 | 12.68% | 12.68% | 13.63% | 9.62% | $1.10B |
| Q1 2026 | 13.05% | 13.05% | 14.02% | 9.95% | $1.10B |
| Q2 2026 | 13.30% | 13.30% | 14.26% | 10.43% | $1.12B |
First Federal Savings Bank of Twin Falls regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank of Twin Falls, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Federal Savings Bank of Twin Falls profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28845) · FFIEC NIC profile (RSSD 582971)