First Financial Bank in Winnebago: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 10.5% higher than in Q1 2026, at -$1.5M. Within Minnesota, First Financial Bank in Winnebago is 31st of 161 on CET1 ratio, 19.40% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio; First Financial Bank in Winnebago reported 19.40% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.40% |
| Tier 1 risk-based capital ratio | 19.40% |
| Total risk-based capital ratio | 20.28% |
| Tier 1 leverage ratio | 13.81% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $8.1M |
| Tier 1 capital | $8.1M |
| Total risk-based capital | $8.5M |
| Total equity capital | $6.7M |
| Risk-weighted assets | $41.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.44% |
| Tangible equity to tangible assets | 11.44% |
| Equity capital to average assets | 11.31% |
| Internal capital growth rate | 4.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $6.9M |
| Retained earnings | $1.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.71% | 17.71% | 18.54% | 13.86% | $43.8M |
| Q4 2023 | 17.46% | 17.46% | 18.26% | 13.57% | $44.4M |
| Q1 2024 | 16.96% | 16.96% | 17.78% | 12.85% | $43.6M |
| Q2 2024 | 16.62% | 16.62% | 17.40% | 12.84% | $45.0M |
| Q3 2024 | 16.83% | 16.83% | 17.62% | 12.21% | $44.8M |
| Q4 2024 | 17.71% | 17.71% | 18.52% | 12.99% | $44.3M |
| Q1 2025 | 18.39% | 18.39% | 19.21% | 13.03% | $43.2M |
| Q2 2025 | 17.94% | 17.94% | 18.77% | 13.04% | $44.6M |
| Q3 2025 | 18.52% | 18.52% | 19.36% | 13.11% | $43.6M |
| Q4 2025 | 18.78% | 18.78% | 19.65% | 13.26% | $42.3M |
| Q1 2026 | 19.38% | 19.38% | 20.26% | 13.57% | $41.5M |
| Q2 2026 | 19.40% | 19.40% | 20.28% | 13.81% | $41.8M |
First Financial Bank in Winnebago regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Financial Bank in Winnebago, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Financial Bank in Winnebago profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5278) · FFIEC NIC profile (RSSD 840354)