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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 $0.8MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $39.0M18%Noninterest $8.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.17%0.85%1.11%0.96%0.94%0.88%1.06%1.00%+4 bps
Return on Equity1.79%8.82%11.03%9.66%9.26%8.51%9.46%8.86%-79 bps
Net Interest Margin3.06%3.19%3.41%3.41%3.39%3.46%3.41%3.46%+5 bps
Efficiency Ratio92.98%68.70%62.39%67.31%67.42%68.02%63.21%65.42%-189 bps
Non-Interest Burden2.83%2.12%2.06%2.24%2.23%2.30%2.09%2.20%-4 bps
Growth
Asset Growth (YoY)4.92%-0.97%2.19%-0.46%-0.21%0.73%-1.88%-3.43%-297 bps
Loan Growth (YoY)5.05%1.17%3.20%0.64%-1.56%-5.51%-3.22%-6.84%-748 bps
Deposit Growth (YoY)1.73%2.16%3.70%2.48%-4.05%-2.58%-3.01%-3.14%-562 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.46%0.47%1.63%0.88%0.83%1.00%0.66%-96 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%-0.06%-0.04%-0.03%0.00%0.00%+6 bps
Allowance / Loans0.95%0.95%0.99%0.98%1.00%1.04%1.06%1.05%+7 bps
Allowance Coverage of NPLsn/a2.1x2.1x0.6x1.1x1.3x1.1x1.6x+1.0x
Capital
Tier 1 Leverage Ratio12.21%12.99%13.03%13.04%13.11%13.26%13.57%13.81%+77 bps
Total Risk-Based Capital17.62%18.52%19.21%18.77%19.36%19.65%20.26%20.28%+151 bps
Equity / Assets10.13%9.80%10.30%9.60%10.77%11.14%11.24%11.44%+184 bps
Liquidity & Funding
Loans / Deposits76.12%75.30%72.07%76.13%78.10%73.03%71.92%73.22%-291 bps
Liquid Assets / Assets0.44%0.43%0.43%0.42%0.42%0.42%0.44%0.43%+1 bps
CRE / Total Capitaln/an/an/an/a42.09%45.89%45.57%n/an/a