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
Unfavorable gap of $1.3M · efficiency ratio beats 37% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.87% | 1.20% | 1.41% | Beats 35% | 73 / 113 | |
| Return on Equity | 8.71% | 8.92% | 11.27% | 13.99% | Beats 22% | 88 / 113 | |
| Net Interest Margin | 3.46% | 3.42% | 3.88% | 4.31% | Beats 27% | 82 / 113 | |
| Efficiency Ratio | 65.42% | 54.13% | 61.48% | 69.86% | Beats 37% | 72 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.09% | 0.58% | 1.82% | Beats 48% | 59 / 111 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 19.40% | 11.53% | 13.31% | 18.13% | Beats 80% | 23 / 113 | |
| Total Risk-Based Capital Ratio | 20.28% | 12.12% | 14.43% | 19.39% | Beats 77% | 26 / 113 | |
| Equity / Assets | 11.44% | 8.52% | 10.10% | 11.94% | Beats 67% | 37 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 73.22% | 62.08% | 77.32% | 88.06% | 43rd pctl | 63 / 111 | |
| Loans / Assets | 60.06% | 55.01% | 66.35% | 75.50% | 35th pctl | 73 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |