First Financial Bank in Winnebago
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Data as of · sourced from FFIEC call reports. How we update
First Financial Bank in Winnebago is an FDIC-insured commercial bank headquartered in Winnebago, MN, established in 1913 (FDIC certificate 5278), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $58.1M, down 3.4% from Q2 2025, the 198th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 19.40% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5278
- Headquarters
- Winnebago, MN
- Established
- 1913
- Total assets, Q2 2026
- $58.1M
- Assets vs Q2 2025
- -3.4%
- CET1 ratio, Q2 2026
- 19.40%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091210922
- Latest call report
- Q2 2026, FFIEC 051 · First Financial Bank in Winnebago call report
- Holding company
- KRAUSE FINANCIAL, INC.
- Asset rank in state
- 198th of 221 in Minnesota
First Financial Bank in Winnebago, based in Winnebago, Minnesota, reported $58 million in assets at June 30, 2026, down 3.4% from a year earlier. It shrank its loan book 6.8% over the year, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 2.6%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.66% of loans from 1.63%. The commercial and industrial book ($5.9 million) is worsening: 4.11% of it is past due or on nonaccrual, up from 1.09% a year earlier.
As of June 30, 2026, First Financial Bank in Winnebago reported a CET1 capital ratio of 19.40%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.66% and a Texas ratio of 4.36%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Financial Bank in Winnebago is the 198th largest of the 221 banks headquartered in Minnesota. From Q1 2026 to Q2 2026, its total assets rose 2.1% to $58.1M, loans rose 0.4% and deposits fell 1.4%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 30.1% of total loans, ahead of farmland and other real estate loans at 21.0%. The FDIC Summary of Deposits lists a single office for it, in Winnebago, MN. On its Q2 2026 call report, First Financial Bank in Winnebago meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 Main St S, Winnebago, MN 56098
- County
- Faribault
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Former names
- First National Bank in Winnebago (1940-2008)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $47.7M
- Allowance for credit losses
- $368K
- Net charge-offs (YTD)
- $0
- Average total assets
- $58.8M
- Average total loans
- $34.8M
- Average interest-bearing deposits
- $39.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5278
- Fed RSSD
- 840354
- Website
- www.1stbago.com →
- Parent Holding Company
- KRAUSE FINANCIAL, INC. (RSSD 1843576)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Financial Bank in Winnebago's total assets ranged from $56.8M (Q1 2024) to $60.5M (Q2 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$58.1M total assets against $60.2M; $51.5M total liabilities against $54.4M.
$34.6M net loans and leases against $37.1M; $47.7M total deposits against $49.2M.
$19.9M securities against $19.6M; $1.3M cash and balances due against $957K.
$739K total interest income against $784K; $227K total interest expense against $258K.
$512K net interest income against $526K.
$25K total noninterest income against $24K; $363K total noninterest expense against $397K.
No provision recorded in the last 12 quarters.
$174K net income against $153K.
1.18% return on assets against 1.00%; 3.73% net interest margin against 3.68%.
19.40% CET1 capital ratio against 17.94%; 13.81% tier 1 leverage ratio against 13.04%.
Inside the full First Financial Bank in Winnebago terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.54% (Q4 2025) to 3.40% (Q4 2024) and its net interest margin ran from 3.54% (Q3 2024) to 3.76% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.40% | 1.18% | 0.66% | 4.36% | 3.73% |
| Q1 2026 | 19.38% | 1.32% | 1.00% | 6.23% | 3.67% |
| Q4 2025 | 18.78% | 0.54% | 0.83% | 5.29% | 3.66% |
| Q3 2025 | 18.52% | 1.11% | 0.88% | 5.86% | 3.62% |
| Q2 2025 | 17.94% | 1.00% | 1.63% | 11.12% | 3.68% |
| Q1 2025 | 18.39% | 1.28% | 0.47% | 3.84% | 3.65% |
| Q4 2024 | 17.71% | 3.40% | 0.46% | 4.03% | 3.76% |
| Q3 2024 | 16.83% | 0.97% | 0.00% | 1.15% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Financial Bank in Winnebago (main office) | Winnebago , MN | 56098 | $47.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 246 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Financial Bank in Winnebago
What are First Financial Bank in Winnebago's total assets?
As of the Q2 2026 filing, First Financial Bank in Winnebago reported total assets of $58.1 million in its FFIEC call report.
Where is First Financial Bank in Winnebago headquartered?
It is headquartered in Winnebago, MN, United States.
When was First Financial Bank in Winnebago founded?
It was established in 1913, per the FDIC institution directory.
Is First Financial Bank in Winnebago FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Financial Bank in Winnebago?
First Financial Bank in Winnebago's primary federal regulator is the FDIC.
What is First Financial Bank in Winnebago's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Financial Bank in Winnebago operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Financial Bank in Winnebago's Texas Ratio?
Its Texas Ratio is 4.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Financial Bank in Winnebago previously called?
The charter now named First Financial Bank in Winnebago has also operated as First National Bank in Winnebago (1940-2008), per FDIC structure-change records.
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