BlastPoint's Banking Scorecard
First Federal Savings Bank of Twin Falls
Community
Specialty: Commercial
ID
FDIC cert 28845
Designations: ✓ Mutual
Twin Falls, ID
1484
banks in Community tier nationally
6 in ID
View Community leaderboard (ID) →
First Federal Savings Bank of Twin Falls has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 4% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 10% in Community
- - Capital Constraint: Bottom 13% in Community
- - Credit Quality Pressure: Bottom 18% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-2.7% YoY
-1.5% QoQ
|
+$45.7M |
$1.4B
+2.0% YoY
|
$1.2B
+9.6% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$1.1B
+3.2% YoY
-0.1% QoQ
|
+$80.7M |
$975.5M
+2.4% YoY
|
$704.6M
+11.9% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$1.2B
-3.2% YoY
-2.1% QoQ
|
+$68.6M |
$1.2B
+1.7% YoY
|
$1.0B
+11.0% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
0.82%
+112.9% YoY
+13.1% QoQ
|
-0.35% |
1.16%
+17.2% YoY
|
1.43%
+51.8% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.49%
+30.1% YoY
+2.9% QoQ
|
-0.17% |
3.66%
+9.1% YoY
|
4.08%
+4.0% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
72.69%
-12.8% YoY
-2.9% QoQ
|
+10.06% |
62.63%
-5.3% YoY
|
58.36%
-7.0% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.13%
+263.0% YoY
-57.0% QoQ
|
-0.50% |
0.63%
+18.3% YoY
|
0.81%
+590.7% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
85.64%
+6.6% YoY
+2.0% QoQ
|
+2.58% |
83.06%
+0.3% YoY
|
70.60%
-0.8% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
25.92%
+6.0% YoY
+1.3% QoQ
|
+4.88% |
21.05%
-0.9% YoY
|
29.44%
-0.7% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.10%
+285.0% YoY
-56.4% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.45%
+564.3% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
12.68%
+4.1% YoY
+0.2% QoQ
|
+2.44% |
10.24%
-0.6% YoY
|
11.99%
+4.7% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.84%
+18.3% YoY
+36.9% QoQ
|
+0.10% |
0.74%
-1.3% YoY
|
0.58%
-1.7% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#14 of 371 · Top 4% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (3)
Credit Risk Growth
risk
#63 of 642 · Bottom 10% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#7 of 47 · Bottom 13% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
85.64%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
12.68%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Credit Quality Pressure
risk
#149 of 808 · Bottom 18% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
80
80th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.74%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
79
79th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.92% · Tier avg: 21.05%
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
55
55th pctile
Tier 1 Capital Ratio
Current: 12.68% · Tier avg: 10.24%
53
53th pctile
Loan-to-Deposit Ratio
Current: 85.64% · Tier avg: 83.06%
41
41th pctile
Net Interest Margin
Current: 3.49% · Tier avg: 3.66%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
22
22th pctile
Efficiency Ratio
Current: 72.69% · Tier avg: 62.63%
Top Weaknesses
22
22th pctile
Efficiency Ratio
Current: 72.69% · Tier avg: 62.63%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
41
41th pctile
Net Interest Margin
Current: 3.49% · Tier avg: 3.66%
53
53th pctile
Loan-to-Deposit Ratio
Current: 85.64% · Tier avg: 83.06%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.68% · Tier avg: 10.24%
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.92% · Tier avg: 21.05%
79
79th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
80
80th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.74%