Case Study: First Federal Savings Bank of Twin Falls achieves proactive CRE loan portfolio management with Banker’s Toolbox Crest

Property Value Trends in CrestTM Give First Federal Savings Bank of Twin Falls a Proactive Approach to CRE Loan Portfolio Management

First Federal Savings Bank of Twin Falls, a $470 million bank in Idaho, wanted a better way to proactively manage its commercial real estate (CRE) loan portfolio and keep pace with changing property values. The bank needed a simple, intuitive stress-testing solution that could help combat stale appraisals, support sound lending decisions, and provide strong implementation support.

Banker’s Toolbox implemented Crest, its CRE loan portfolio stress-testing solution endorsed by the ABA, to help First Federal Savings Bank analyze property value trends and monitor loan performance from quarter to quarter. The bank found the trend data to be largely accurate when compared side by side with recent appraisals, enabling more proactive portfolio management and earlier identification of potential problem areas.

First Federal Savings Bank of Twin Falls

Elaine Bowman

Assistant to the Loan Administrator