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First Financial Bank in Winnebago

Winnebago, MN · Cert 5278 · Krause Financial Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MN3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in MN (n=111 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

75

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

37

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Financial Bank in Winnebago

Winnebago, MN · Cert 5278 · Krause Financial Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$58.1MAssets
$34.9MLoans
$47.7MDeposits
$6.7MEquity
Loan mix
71%RE $16.9M26%C&I $6.2M3%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $39.0M18%Noninterest $8.7MQ2 2025Q2 2026

NIM

5.16%Q2 ’245.05%Q2 ’255.01%Q2 ’26+8%+2%

Non-interest income vs. expense

3.57%Q2 ’242.40%Q2 ’252.37%Q2 ’26-32%-2%

Executive Summary

  • Earnings: ROA of 1.00%, up 4 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.66% of loans (-96 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.81%, up 77 bps from a year ago.
  • Funding: loans stand at 73.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.00%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.46%+5 bps YoY

Efficiency Ratio (YTD, annualized)

65.42%-189 bps YoY

Tier 1 Leverage Ratio

13.81%+77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.94%0.88%1.06%1.00%+4 bps
Return on Equity9.66%9.26%8.51%9.46%8.86%-79 bps
Net Interest Margin3.41%3.39%3.46%3.41%3.46%+5 bps
Efficiency Ratio67.31%67.42%68.02%63.21%65.42%-189 bps
Non-Interest Burden2.24%2.23%2.30%2.09%2.20%-4 bps
Growth
Asset Growth (YoY)-0.46%-0.21%0.73%-1.88%-3.43%-297 bps
Loan Growth (YoY)0.64%-1.56%-5.51%-3.22%-6.84%-748 bps
Deposit Growth (YoY)2.48%-4.05%-2.58%-3.01%-3.14%-562 bps
Asset Quality
Nonperforming Loans / Loans1.63%0.88%0.83%1.00%0.66%-96 bps
Net Charge-Offs / Loans-0.06%-0.04%-0.03%0.00%0.00%+6 bps
Allowance / Loans0.98%1.00%1.04%1.06%1.05%+7 bps
Allowance Coverage of NPLs0.6x1.1x1.3x1.1x1.6x+1.0x
Capital
Tier 1 Leverage Ratio13.04%13.11%13.26%13.57%13.81%+77 bps
Total Risk-Based Capital18.77%19.36%19.65%20.26%20.28%+151 bps
Equity / Assets9.60%10.77%11.14%11.24%11.44%+184 bps
Liquidity & Funding
Loans / Deposits76.13%78.10%73.03%71.92%73.22%-291 bps
Liquid Assets / Assets0.42%0.42%0.42%0.44%0.43%+1 bps
CRE / Total Capitaln/a42.09%45.89%45.57%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Financial Bank in Winnebago

Winnebago, MN · Cert 5278 · Peer group: banks under $1B in assets in MN (n=111-113) · Krause Financial Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$58.1MAssets
$34.9MLoans
$47.7MDeposits
$6.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
  • Widest gap: return on equity trails 78% of banks under $1B in assets in MN (rank 88 of 113).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.00%

Rank 73 of 113

Net Interest Margin

3.46%

Rank 82 of 113

Efficiency Ratio

65.42%

Rank 72 of 113

Equity / Assets

11.44%

Rank 37 of 113

Non-interest income vs. expense

$0.1M$1.4MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 37% of banks under $1B in assets in MN
Bank 65.42%Peer median 61.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.00%0.87%1.20%1.41%Beats 35%73 / 113
Return on Equity8.71%8.92%11.27%13.99%Beats 22%88 / 113
Net Interest Margin3.46%3.42%3.88%4.31%Beats 27%82 / 113
Efficiency Ratio65.42%54.13%61.48%69.86%Beats 37%72 / 113
Asset Quality
Nonperforming Loans / Loans0.66%0.09%0.58%1.82%Beats 48%59 / 111
Net Charge-Offs / Loans0.00%n/a0.00%0.04%Beats 100%36 / 111
Capital
Tier 1 Capital Ratio19.40%11.53%13.31%18.13%Beats 80%23 / 113
Total Risk-Based Capital Ratio20.28%12.12%14.43%19.39%Beats 77%26 / 113
Equity / Assets11.44%8.52%10.10%11.94%Beats 67%37 / 113
Liquidity & Funding
Loans / Deposits73.22%62.08%77.32%88.06%43rd pctl63 / 111
Loans / Assets60.06%55.01%66.35%75.50%35th pctl73 / 113
Brokered Deposits / Depositsn/aNot reported for this institution