First Federal Savings Bank of Twin Falls: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Federal Savings Bank of Twin Falls of Twin Falls, ID against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.57% | 1.46% | +0.11% | 70th above |
| ROAE | 16.52% | 12.71% | +3.81% | 79th top |
| Net Interest Margin | 4.09% | 3.85% | +0.24% | 74th above |
| Efficiency Ratio | 65.12% | 57.40% | +7.72% | 31st below |
| PPNR / Avg Assets | 1.70% | 1.88% | -0.18% | 48th below |
| Yield on Earning Assets | 5.49% | 5.72% | -0.23% | 48th below |
| Cost of Funds | 1.52% | 2.02% | -0.50% | 80th top |
| Net Interest Spread | 3.42% | 3.18% | +0.24% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 1.00% | -0.71% | 74th above |
| NPA / Total Assets | 0.22% | 0.76% | -0.54% | 74th above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 64th above |
| ACL / Total Loans | 0.97% | 1.31% | -0.34% | 27th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 338.41% | 543.47% | -205.06% | 73rd above |
| Texas Ratio | 2.08% | 7.39% | -5.31% | 76th top |
| Provision / NCO | 967.74% | 618.38% | +349.36% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.30% | 17.34% | -4.04% | 47th below |
| Tier 1 Ratio | 13.30% | 17.37% | -4.07% | 46th below |
| Total Capital Ratio | 14.26% | 18.42% | -4.16% | 44th below |
| Leverage Ratio | 10.43% | 11.44% | -1.01% | 49th below |
| Equity / Assets | 9.72% | 11.34% | -1.62% | 36th below |
| TCE / Tangible Assets | 9.72% | 10.50% | -0.78% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.38% | 86.95% | -0.57% | 55th above |
| Core Deposit Ratio | 92.97% | 85.55% | +7.42% | 74th above |
| Uninsured Deposit Ratio | 21.27% | 33.13% | -11.86% | 81st top |
| Wholesale Funding Ratio | 1.41% | 5.71% | -4.30% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.74% | 9.69% | -14.43% | 4th bottom |
| Loan Growth (Y/Y) | 0.59% | 8.06% | -7.47% | 20th bottom |
| Deposit Growth (Y/Y) | -2.81% | 7.88% | -10.69% | 8th bottom |
See First Federal Savings Bank of Twin Falls's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Federal Savings Bank of Twin Falls, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Federal Savings Bank of Twin Falls profile, how to read a UBPR, or how this data updates.