First Federal Savings Bank of Twin Falls

First Federal Savings Bank of Twin Falls Locations

383 Shoshone Street North
Twin Falls, ID 83301
800.278.9435
www.firstfd.com

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First Federal Savings Bank of Twin Falls is headquartered in Twin Falls and is the 6^th largest bank in the state of Idaho. It is also the 1,418^st largest bank in the nation. It was established in 1916 and as of September of 2011, it had grown to 183 employees at 10 locations. First Federal Savings Bank of Twin Falls has a 4-star health rating.

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See Rates for: Checking | CD | IRA

First Federal Savings Bank of Twin Falls Checking Account Rates

	Apy	Min	Max	Product
	2.53%	-	$25k	Rewards Checking

First Federal Savings Bank of Twin Falls CD Rates

Apy	Min	Max	Product
1.61%	$100k	-	5 Year CD - Jumbo
1.51%	$500	-	5 Year CD - Regular
1.31%	$100k	-	4 Year CD - Jumbo
1.21%	$500	-	4 Year CD - Regular
0.85%	$100k	-	30 Month CD - Jumbo
0.75%	$500	-	30 Month CD - Regular
0.60%	$100k	-	18 Month CD - Jumbo
0.50%	$500	-	18 Month CD - Regular
0.50%	$100k	-	12 Month CD - Jumbo
0.40%	$500	-	12 Month CD - Regular
0.35%	$100k	-	6 Month CD - Jumbo
0.25%	$500	-	6 Month CD - Regular
0.25%	$100k	-	3 Month CD - Jumbo
0.15%	$500	-	3 Month CD - Regular

First Federal Savings Bank of Twin Falls IRA Rates

Apy	Min	Max	Product
1.61%	$100k	-	5 Year Jumbo IRA
1.61%	$100k	-	5 Year Jumbo Roth IRA
1.61%	$100k	-	5 Year Jumbo SEP IRA
1.61%	$100k	-	5 Year Jumbo SIMPLE IRA
1.61%	$100k	-	5 Year Jumbo CESA
1.51%	$100	-	5 Year IRA
1.51%	$100	-	5 Year Roth IRA
1.51%	$100	-	5 Year SEP IRA
1.51%	$100	-	5 Year SIMPLE IRA
1.51%	$100	-	5 Year CESA
1.31%	$100k	-	4 Year Jumbo IRA
1.31%	$100k	-	4 Year Jumbo Roth IRA
1.31%	$100k	-	4 Year Jumbo SEP IRA
1.31%	$100k	-	4 Year Jumbo SIMPLE IRA
1.31%	$100k	-	4 Year Jumbo CESA
1.21%	$100	-	4 Year IRA
1.21%	$100	-	4 Year Roth IRA
1.21%	$100	-	4 Year SEP IRA
1.21%	$100	-	4 Year SIMPLE IRA
1.21%	$100	-	4 Year CESA
0.85%	$100k	-	30 Month Jumbo IRA
0.85%	$100k	-	30 Month Jumbo Roth IRA
0.85%	$100k	-	30 Month Jumbo SEP IRA
0.85%	$100k	-	30 Month Jumbo SIMPLE IRA
0.85%	$100k	-	30 Month Jumbo CESA
0.75%	$100	-	30 Month IRA
0.75%	$100	-	30 Month Roth IRA
0.75%	$100	-	30 Month SEP IRA
0.75%	$100	-	30 Month SIMPLE IRA
0.75%	$100	-	30 Month CESA
0.60%	$100k	-	18 Month Jumbo IRA
0.60%	$100k	-	18 Month Jumbo Roth IRA
0.60%	$100k	-	18 Month Jumbo SEP IRA
0.60%	$100k	-	18 Month Jumbo SIMPLE IRA
0.60%	$100k	-	18 Month Jumbo CESA
0.50%	$100	-	18 Month IRA
0.50%	$100k	-	12 Month Jumbo IRA
0.50%	$100k	-	12 Month Jumbo Roth IRA
0.50%	$100	-	18 Month Roth IRA
0.50%	$100k	-	12 Month Jumbo SEP IRA
0.50%	$100k	-	12 Month Jumbo SIMPLE IRA
0.50%	$100	-	18 Month SEP IRA
0.50%	$100	-	18 Month SIMPLE IRA
0.50%	$100k	-	12 Month Jumbo CESA
0.50%	$100	-	18 Month CESA
0.40%	$100	-	12 Month IRA
0.40%	$100	-	12 Month Roth IRA
0.40%	$100	-	12 Month SEP IRA
0.40%	$100	-	12 Month SIMPLE IRA
0.40%	$100	-	12 Month CESA
0.35%	$100k	-	6 Month Jumbo IRA
0.35%	$100k	-	6 Month Jumbo Roth IRA
0.35%	$100k	-	6 Month Jumbo SEP IRA
0.35%	$100k	-	6 Month Jumbo SIMPLE IRA
0.35%	$100k	-	6 Month Jumbo CESA
0.25%	$100	-	6 Month IRA
0.25%	$100k	-	3 Month Jumbo IRA
0.25%	$100k	-	3 Month Jumbo Roth IRA
0.25%	$100	-	6 Month Roth IRA
0.25%	$100k	-	3 Month Jumbo SEP IRA
0.25%	$100k	-	3 Month Jumbo SIMPLE IRA
0.25%	$100	-	6 Month SEP IRA
0.25%	$100	-	6 Month SIMPLE IRA
0.25%	$100k	-	3 Month Jumbo CESA
0.25%	$100	-	6 Month CESA
0.15%	$100	-	3 Month IRA
0.15%	$100	-	3 Month Roth IRA
0.15%	$100	-	3 Month SEP IRA
0.15%	$100	-	3 Month SIMPLE IRA
0.15%	$100	-	3 Month CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

First Federal Savings Bank of Twin Falls
OTS #	02479
FDIC Certificate #	28845
BankRate Report	View
Year Established	1916
Employees	183
Primary Regulator	OCC
Assets and Liabilities
Assets	$469.87 million
Loans	$331.76 million
Deposits	$394.31 million
Equity Capital	$51.29 million
Loan Loss Allowance	$2.86 million
Unbacked Noncurrent Loans	$2.02 million
Real Estate Owned	$3.03 million
Historic Data - September 2010
Assets	$459.92 million
Equity Capital	$49.08 million
Loan Loss Allowance	$2.49 million
Unbacked Noncurrent Loans	$3.49 million
Real Estate Owned	$1.45 million
Profit Margin - Quarterly
Net Interest Margin	3.71%
Return on Assets	0.42%
Return on Equity	3.82%
Interest Income	$15.41 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
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 September 30, 2011 First Federal Savings Bank of Twin Falls had $5.04 million in non-current loans and owned real-estate with $54.15 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 9.31% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for First Federal Savings Bank of Twin Falls held steady from 9.59% as of September 30, 2010 to 9.31% as of September 30, 2011, resulting in a positive change of 2.83%.This indicates that the balance sheet and financial strength for First Federal Savings Bank of Twin Falls has held steady in recent periods.
Deposit Growth
In the past year, First Federal Savings Bank of Twin Falls has increased its total deposits by $10.75 million, resulting in 2.8% 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 above average.
Capitalization
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 $469.87 million in assets with $54.15 million in equity, resulting in a capitalization level of 11.52%, which is above average.

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