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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

$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

5.26%Q2 ’245.11%Q2 ’255.03%Q2 ’26+4%+2%

Non-interest income vs. expense

2.32%Q2 ’242.59%Q2 ’252.47%Q2 ’26+24%-5%

Executive Summary

  • Earnings: ROA of 0.95%, up 14 bps year over year; NIM at 3.48%.
  • 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 (quarter, annualized)

0.95%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.48%+5 bps YoY

Efficiency Ratio (quarter, annualized)

67.60%-458 bps YoY

Tier 1 Leverage Ratio

13.81%+77 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.89%0.55%1.06%0.95%+14 bps
Return on Equity8.18%8.76%4.99%9.46%8.37%+19 bps
Net Interest Margin3.43%3.37%3.39%3.41%3.48%+5 bps
Efficiency Ratio72.18%67.65%69.87%63.21%67.60%-458 bps
Non-Interest Burden2.43%2.22%2.32%2.09%2.30%-13 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-0.12%0.00%0.00%0.00%0.00%+12 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