First Financial Bank in Winnebago: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 1.31 percentage points in Q2 2026, from 71.92% to 73.22%. It was the largest change from Q1 2026 among the key lines here. First Financial Bank in Winnebago ranks 143rd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 73.22% (Q2 2026). First Financial Bank in Winnebago reported 73.22% on loan-to-deposit ratio for Q2 2026, 5.30 points above the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $34.9M |
| Net loans and leases | $34.6M |
| Loans held for sale | $0 |
| Loans to total assets | 60.06% |
| Loan-to-deposit ratio | 73.22% |
| Net loans to equity capital | 5.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.90% |
| Multifamily (5+ residential) | 1.05% |
| Commercial and industrial | 16.78% |
| Consumer | 2.48% |
| Credit cards | 0.00% |
| Farm | 21.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.11% |
| Construction concentration (Tier 1 capital + allowance) | 2.60% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.64% |
| Interest income on loans | $577K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $35.6M | $48.3M | 11.20% | 16.61% | 3.95% |
| Q4 2023 | $37.0M | $48.6M | 9.95% | 17.06% | 3.71% |
| Q1 2024 | $34.8M | $48.1M | 11.81% | 15.00% | 3.85% |
| Q2 2024 | $37.3M | $48.1M | 11.43% | 16.66% | 3.23% |
| Q3 2024 | $37.4M | $49.2M | 11.18% | 16.68% | 3.21% |
| Q4 2024 | $37.4M | $49.7M | 11.70% | 17.50% | 3.00% |
| Q1 2025 | $35.9M | $49.9M | 10.45% | 17.88% | 2.75% |
| Q2 2025 | $37.5M | $49.2M | 7.41% | 17.10% | 2.60% |
| Q3 2025 | $36.9M | $47.2M | 7.47% | 16.83% | 2.77% |
| Q4 2025 | $35.3M | $48.4M | 8.55% | 16.45% | 2.48% |
| Q1 2026 | $34.8M | $48.4M | 8.81% | 17.90% | 2.29% |
| Q2 2026 | $34.9M | $47.7M | 8.90% | 16.78% | 2.48% |
First Financial Bank in Winnebago loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Financial Bank in Winnebago, freeSource: Call Report Schedule RC-C, 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)