First Federal Savings Bank of Twin Falls: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.15 percentage points lower than in Q1 2026, at 190.52%. On loan-to-deposit ratio, First Federal Savings Bank of Twin Falls ranks 2nd highest among the 10 banks headquartered in Idaho, at 86.38% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; First Federal Savings Bank of Twin Falls reported 86.38% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.08B |
| Net loans and leases | $1.07B |
| Loans held for sale | $9.8M |
| Loans to total assets | 76.07% |
| Loan-to-deposit ratio | 86.38% |
| Net loans to equity capital | 7.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.25% |
| Multifamily (5+ residential) | 0.98% |
| Commercial and industrial | 5.71% |
| Consumer | 1.61% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 190.52% |
| Construction concentration (Tier 1 capital + allowance) | 87.08% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.28% |
| Interest income on loans | $17.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $995.2M | $1.14B | 20.71% | 5.57% | 3.79% |
| Q4 2023 | $1.02B | $1.20B | 22.14% | 5.69% | 3.66% |
| Q1 2024 | $1.03B | $1.26B | 22.04% | 6.09% | 3.46% |
| Q2 2024 | $1.03B | $1.28B | 22.73% | 5.92% | 3.31% |
| Q3 2024 | $1.03B | $1.30B | 22.41% | 6.04% | 3.09% |
| Q4 2024 | $1.03B | $1.27B | 23.37% | 6.60% | 2.85% |
| Q1 2025 | $1.04B | $1.28B | 23.12% | 6.88% | 2.53% |
| Q2 2025 | $1.07B | $1.29B | 23.93% | 6.72% | 2.34% |
| Q3 2025 | $1.07B | $1.26B | 24.68% | 6.14% | 2.10% |
| Q4 2025 | $1.07B | $1.23B | 25.88% | 6.12% | 1.92% |
| Q1 2026 | $1.08B | $1.25B | 25.76% | 5.95% | 1.71% |
| Q2 2026 | $1.08B | $1.25B | 26.25% | 5.71% | 1.61% |
First Federal Savings Bank of Twin Falls loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank of Twin Falls, freeSource: Call Report Schedule RC-C, 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)