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208-733-4222
383 Shoshone Street North
Twin Falls, ID 83303

First Federal Savings Bank of Twin Falls is headquartered in Twin Falls and is the 5th largest bank in the state of Idaho. It is also the 1,324th largest bank in the nation. It was established in 1916 and as of December of 2013, it had grown to 200 employees at 11 locations. First Federal Savings Bank of Twin Falls has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 First Federal Savings Bank of Twin Falls had $1.07 million in non-current loans and owned real-estate with $61.23 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings Bank of Twin Falls a Texas Ratio of 1.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for First Federal Savings Bank of Twin Falls decreased dramatically from 4.08% as of December 31, 2012 to 1.74% as of December 31, 2013, resulting in a positive change of 57.20%.This indicates that the balance sheet and financial strength for First Federal Savings Bank of Twin Falls has improved dramatically in recent periods.

Deposit Growth

GRADE:
C+

In the past year, First Federal Savings Bank of Twin Falls has decreased its total deposits by -$1.11 million, resulting in -0.25% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Federal Savings Bank of Twin Falls has shown is average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Federal Savings Bank of Twin Falls has $505.86 million in assets with $61.23 million in equity, resulting in a capitalization level of 12.10%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #28845
Year Established1916
Employees200
Primary RegulatorOCC
Assets and Liabilities
Assets$505.86 million
Loans$363.41 million
Deposits$435.89 million
Equity Capital$57.39 million
Loan Loss Allowance$3.84 million
Unbacked Noncurrent Loans$816,000
Real Estate Owned$252,000
Historic Data - December 2012
Assets$506.90 million
Equity Capital$54.53 million
Loan Loss Allowance$3.38 million
Unbacked Noncurrent Loans$816,000
Real Estate Owned$603,000
Profit Margin - Quarterly
Net Interest Margin3.49%
Return on Assets0.59%
Return on Equity5.37%
Interest Income$18.67 million
Rates
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First Federal Savings Bank of Twin Falls CD Rates

DetailsAPYMINMAXPRODUCT
1.31%$100k-5 Year CD - Jumbo
1.21%$500-5 Year CD - Regular
1.21%$100k-4 Year CD - Jumbo
1.11%$500-4 Year CD - Regular
0.70%$100k-30 Month CD - Jumbo
0.60%$500-30 Month CD - Regular
0.50%$100k-18 Month CD - Jumbo
0.45%$100k-12 Month CD - Jumbo
0.40%$500-18 Month CD - Regular
0.35%$500-12 Month CD - Regular
0.30%$100k-6 Month CD - Jumbo
0.20%$500-6 Month CD - Regular
0.20%$100k-3 Month CD - Jumbo
0.10%$500-3 Month CD - Regular

First Federal Savings Bank of Twin Falls IRA Rates

DetailsAPYMINMAXPRODUCT
1.31%$100k-5 Year Jumbo IRA (Traditional,Roth,SEP,SIMPLE,CESA)
1.21%$100-5 Year IRA (Traditional,Roth,SEP,SIMPLE,CESA)
1.21%$100k-4 Year Jumbo IRA (Traditional,Roth,SEP,SIMPLE,CESA)
1.11%$100-4 Year IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.70%$100k-30 Month Jumbo IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.60%$100-30 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.50%$100k-18 Month Jumbo IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.45%$100k-12 Month Jumbo IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.40%$100-18 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.35%$100-12 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.30%$100k-6 Month Jumbo IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.20%$100-6 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.20%$100k-3 Month Jumbo IRA (Traditional,Roth,SEP,SIMPLE,CESA)
0.10%$100-3 Month IRA (Traditional,Roth,SEP,SIMPLE,CESA)
Locations

First Federal Savings Bank of Twin Falls has 11 locations. Click to view all First Federal Savings Bank of Twin Falls locations.