First Federal Savings Bank of Twin Falls

Headquarters: Twin Falls, Idaho
Charter: Bank
Assets: $1.4B
Fed district: San Francisco
Regulator: OCC

Explore Hamilton View published fees

Compared with Idaho

3 of 4

compared fees are above the median.

0 below, 1 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
70th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Idaho median
of 4 compared; 0 below, 1 about the same
See the fees
Fee schedule read Nov 1, 2026

How these figures are measured

Call-report figures are for First Federal Savings Bank of Twin Falls at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the Idaho median	Published fees above the Idaho median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First Federal Savings Bank of Twin Falls's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First Federal Savings Bank of Twin Falls (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service charges were 3.1% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (70th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $551K in Q2 2026, 1.3% below the same quarter a year earlier ($558K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 4 compared published fees sit above the Idaho median; 0 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with Idaho medians for fees published by banks and credit unions.

Minimum Balance
First Federal Savings Bank of Twin Falls: $10
First Federal Savings Bank of Twin Falls: $10
Idaho median: no medianSan Francisco district median: $579 publishU.S. median: $6.50537 publish
Wire Transfer (Domestic In)
First Federal Savings Bank of Twin Falls: $15
First Federal Savings Bank of Twin Falls: $15
Idaho median: $1011 publishSan Francisco district median: $10178 publishU.S. median: $101,715 publish
Cashier's Check
First Federal Savings Bank of Twin Falls: $5
First Federal Savings Bank of Twin Falls: $5
Idaho median: $414 publishSan Francisco district median: $5308 publishU.S. median: $52,586 publish

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Idaho, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Idaho: Banks and credit unions headquartered in Idaho that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 7.6% from Q3 2025 to Q2 2026, to $551K. Its share of revenue, 3.1%, is above the 2.2% median for banks with $1B to $10B in assets.

Service-charge income, Q2 2026

$551K

$596KQ3 2025

$562KQ4 2025

$521KQ1 2026

$551KQ2 2026

Against the median

Share of revenue3.1% / 2.2%

First Federal Savings Bank of Twin FallsMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

First Federal Savings Bank of Twin Falls · $1.4B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$1.4B to $1.5B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Federal Savings Bank of Twin Falls(this institution)	Twin Falls, ID	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Alliance Bank	Sulphur Springs, TX	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
American Riviera Bank	Santa Barbara, CA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ameriserv Financial Bank	Johnstown, PA	$1.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Apex Bank	Camden, TN	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Armed Forces Bank, National Association	Fort Leavenworth, KS	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Benchmark Community Bank	Kenbridge, VA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Bank Illinois	Geneseo, IL	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Central National Bank	Junction City, KS	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens Bank	Elizabethton, TN	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Financial Services Bank	Benton, KY	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
County National Bank	Hillsdale, MI	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers & Merchants Bank	Timberville, VA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
First American Bank and Trust	Vacherie, LA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Fm Bank And Trust	Blytheville, AR	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grove Bank & Trust	Miami, FL	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Independence Bank	Havre, MT	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Marquette Savings Bank	Erie, PA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
North State Bank	Raleigh, NC	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples Bank of Alabama	Cullman, AL	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rhinebeck Bank	Rhinebeck, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Saco & Biddeford Savings Institution	Saco, ME	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
SULLIVAN BANK	Sullivan, MO	$1.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Texas Security Bank	Dallas, TX	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ulster Savings Bank	Kingston, NY	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Watertown Savings Bank	Watertown, MA	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First Federal Savings Bank of Twin Falls does not publish a monthly maintenance fee in the index.

The peer median is $8.25 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Federal Savings Bank of Twin Falls does not publish a monthly maintenance fee, so it is not on this chart.

First Federal Savings Ban…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Federal Savings Bank of Twin Falls (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $551K
vs prior quarter: +$30K+5.8%; from Q1 2026
vs a year earlier: −$7K−1.3%; from Q2 2025
vs start of range: −$45K−7.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Federal Savings Bank of Twin Falls (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$551K	+$30K	+5.8%
Q1 2026	$521K	−$41K	−7.3%
Q4 2025	$562K	−$34K	−5.7%
Q3 2025	$596K	+$38K	+6.8%
Q2 2025	$558K	+$11K	+2.0%
Q1 2025	$547K	−$26K	−4.5%
Q4 2024	$573K	−$23K	−3.9%
Q3 2024	$596K	+$72K	+13.7%

Service-charge share against its size cohort

Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First Federal Savings Bank of Twin Falls left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

First Federal Savings Bank of Twin Falls: 3.1%
Percentile: 70th
25th percentile: 1.3%
Median: 2.2%
75th percentile: 3.5%

First Federal Savings Bank of Twin Falls 3.1%Median 2.2%Middle half 1.3% to 3.5%Peers at each share12 above 10%, counted in the last bar

Find a peer (869)

The 15 closest to First Federal Savings Bank of Twin Falls by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from First Federal Savings Bank of Twin Falls’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Service fee (average daily balance for the month falls below $1,000.00)$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Dormant account fee$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account research: the lesser of: Per item$7
Inside the U.S. middle 50% ($6 to $25 nationally)
per item
Excess withdrawal fee (MMDA)$10
Inside the U.S. middle 50% ($3 to $10 nationally)
per transaction

Overdraft & NSF

Nonsufficient Funds Daily Cap$100
Inside the U.S. middle 50% ($100 to $162.50 nationally)
per day
Overdraft Daily Cap$150
Inside the U.S. middle 50% ($100 to $162.50 nationally)
per day

Wire Transfers

Wire Transfers: Incoming$15
Inside the U.S. middle 50% ($5 to $15 nationally)

Check Services

Cashier's Check$5
Inside the U.S. middle 50% ($3 to $6 nationally)

Digital & Electronic

Bill Pay (Consumer)No charge
Inside the U.S. middle 50% ($0 to $6 nationally)

Account Services

Notary ServiceNo charge
Inside the U.S. middle 50% ($0 to $5 nationally)
Lost Key$20
Not compared: Box drilling or key fee
Garnishments, Levies, and Attachments (Each)$75
Inside the U.S. middle 50% ($30 to $85 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Service fee (average daily balance for the month falls below $1,000.00)	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Dormant account fee	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account research: the lesser of: Per item	$7Inside the U.S. middle 50% ($6 to $25 nationally)	per item	None
Excess withdrawal fee (MMDA)	$10Inside the U.S. middle 50% ($3 to $10 nationally)	per transaction	None
Overdraft & NSF
Nonsufficient Funds Daily Cap	$100Inside the U.S. middle 50% ($100 to $162.50 nationally)	per day	None
Overdraft Daily Cap	$150Inside the U.S. middle 50% ($100 to $162.50 nationally)	per day	None
Wire Transfers
Wire Transfers: Incoming	$15Inside the U.S. middle 50% ($5 to $15 nationally)	Not stated	None
Check Services
Cashier's Check	$5Inside the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
Digital & Electronic
Bill Pay (Consumer)	No chargeInside the U.S. middle 50% ($0 to $6 nationally)	Not stated	None
Account Services
Notary Service	No chargeInside the U.S. middle 50% ($0 to $5 nationally)	Not stated	None
Lost Key	$20Not compared: Box drilling or key fee	Not stated	None
Garnishments, Levies, and Attachments (Each)	$75Inside the U.S. middle 50% ($30 to $85 nationally)	per item	None

Correct a fee source

Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where First Federal Savings Bank of Twin Falls operates, and what regulators and customers have on file.

Branch footprint

14 offices in 1 state, $1.3B in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

	8	$822.2M
Outside a metro area	3	$224.9M
	3	$203.9M

Twin Falls, ID

29.7% of bank deposits, #1 of 12, up 2.5 points over five years.

Largest competitors here	Deposit share
D. L. Evans Bank	17.5%
Farmers Bank	16.2%
Wells Fargo Bank, National Association	11.7%
U.S. Bank National Association	10.2%
Zions Bancorporation, N.A.	4.1%

Fees in Twin Falls →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Twin Falls, ID, First Federal Savings Bank of Twin Falls holds 29.7% of bank deposits, #1 of 12, with 8 offices.

Compare fees with the 12 Twin Falls, ID banks and credit unions in its home-metro peer set →

Offices in the metro

43 offices of 19 institutions shown.

First Federal Savings Bank of Twin FallsOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Twin Falls, ID metro (FDIC metro code 46300), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1First Federal Savings Bank of Twin Falls29.7%
2D. L. Evans Bank17.5%
3Farmers Bank16.2%
4Wells Fargo Bank, National Association11.7%
5U.S. Bank National Association10.2%
6Zions Bancorporation, N.A.4.1%
7Banner Bank3.0%
8WaFd Bank2.9%

8 of 12 institutions shown. $2.8B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Twin Falls, ID metro (FDIC metro code 46300)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2019 to 2026

June 2026: 29.7% share, 8 offices, #1 of 12

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2019 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2019 to 2026
Area: Twin Falls, ID metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

10 offices of 7 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

None on file with the OCC

The OCC has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the OCC, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

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