First Federal Savings Bank of Twin Falls: how it compares with its peers
Against 927 U.S. banks with half to twice its assets, First Federal Savings Bank of Twin Falls's strongest measure in Q2 2026 is net interest margin (4.01% vs. a 3.81% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $8.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.27% | 1.23% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.01% | 3.81% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.77% | 60.56% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $8.0M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.54% | 85.25% | Context |
What it means for lending operations
Its efficiency ratio of 67.77% is above the 60.56% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Bennington State Bank Salina, KS · $1.42B
- Armed Forces Bank, National Association Fort Leavenworth, KS · $1.42B
- Citizens Bank Elizabethton, TN · $1.42B
- Rio Bank Mcallen, TX · $1.42B
- Peoples Bank of Alabama Cullman, AL · $1.42B
- Central Bank Houston, TX · $1.42B
Questions about First Federal Savings Bank of Twin Falls
How big is First Federal Savings Bank of Twin Falls?
First Federal Savings Bank of Twin Falls, established in 1916, is headquartered in Twin Falls, ID. It reported $1.42B in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is First Federal Savings Bank of Twin Falls's return on assets?
1.27% annualized in Q2 2026, against a 1.23% median for 927 U.S. banks with half to twice its assets, ahead of 53% of them.
What is First Federal Savings Bank of Twin Falls's efficiency ratio?
67.77% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 60.56%, and lower is better.
Is First Federal Savings Bank of Twin Falls growing its loans?
Net loans grew 0.5% over the year to Q2 2026, while deposits shrank 2.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Idaho bank ranked.