First Federal Savings Bank of Twin Falls: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Total interest expense: 8.4% lower than in Q1 2026, at $4.8M. On net interest margin, First Federal Savings Bank of Twin Falls is 3rd from the bottom among 10 Idaho banks, 4.09% (Q2 2026). First Federal Savings Bank of Twin Falls reported 4.09% on net interest margin for Q2 2026, 0.38 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.49% |
| Yield on loans | 6.28% |
| Yield on securities | 2.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.52% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | 5.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.1M |
| Total interest expense | $4.8M |
| Interest expense on deposits | $4.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.57% | 1.72% | 2.56% | 5.41% | 2.31% |
| Q4 2023 | 4.75% | 1.94% | 2.50% | 5.53% | 2.38% |
| Q1 2024 | 4.84% | 2.58% | 2.38% | 5.70% | 2.23% |
| Q2 2024 | 5.12% | 2.60% | 2.64% | 6.02% | 2.31% |
| Q3 2024 | 5.04% | 2.57% | 2.60% | 5.92% | 2.22% |
| Q4 2024 | 5.05% | 2.37% | 2.81% | 5.91% | 2.41% |
| Q1 2025 | 5.02% | 2.08% | 3.06% | 5.92% | 2.49% |
| Q2 2025 | 5.20% | 1.92% | 3.40% | 6.07% | 2.52% |
| Q3 2025 | 5.34% | 1.94% | 3.51% | 6.20% | 2.52% |
| Q4 2025 | 5.34% | 1.76% | 3.71% | 6.16% | 2.57% |
| Q1 2026 | 5.25% | 1.64% | 3.74% | 6.06% | 2.53% |
| Q2 2026 | 5.49% | 1.52% | 4.09% | 6.28% | 2.57% |
First Federal Savings Bank of Twin Falls yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank of Twin Falls, freeSource: Call Report Schedules RI and RC-K, 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)