First Financial Bank in Winnebago: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Financial Bank in Winnebago of Winnebago, MN against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.18% | 3.33% | -2.15% | 57th above |
| ROAE | 10.66% | 8.28% | +2.38% | 62nd above |
| Net Interest Margin | 3.73% | 3.92% | -0.19% | 42nd below |
| Efficiency Ratio | 65.52% | 84.50% | -18.98% | 59th above |
| PPNR / Avg Assets | 1.18% | 1.56% | -0.38% | 48th below |
| Yield on Earning Assets | 5.33% | 5.24% | +0.09% | 54th above |
| Cost of Funds | 1.87% | 1.67% | +0.20% | 34th below |
| Net Interest Spread | 3.18% | 3.30% | -0.12% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.66% | 1.42% | -0.76% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.53% | 0.71% | -0.18% | 30th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 1.05% | 1.53% | -0.48% | 33rd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 158.62% | 722.96% | -564.34% | 52nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.36% | 8.57% | -4.21% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.40% | 127.08% | -107.68% | 40th below |
| Tier 1 Ratio | 19.40% | 127.09% | -107.69% | 40th below |
| Total Capital Ratio | 20.28% | 127.98% | -107.70% | 40th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.81% | 22.10% | -8.29% | 56th above |
| Equity / Assets | 11.44% | 20.74% | -9.30% | 40th below |
| TCE / Tangible Assets | 11.44% | 20.49% | -9.05% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 73.22% | 74.26% | -1.04% | 42nd below |
| Core Deposit Ratio | 98.24% | 88.29% | +9.95% | 88th top |
| Wholesale Funding Ratio | 6.21% | 5.31% | +0.90% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.43% | 3.83% | -7.26% | 17th bottom |
| Loan Growth (Y/Y) | -6.84% | 6.87% | -13.71% | 14th bottom |
| Deposit Growth (Y/Y) | -3.14% | 2.99% | -6.13% | 20th bottom |
See First Financial Bank in Winnebago's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Financial Bank in Winnebago, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Financial Bank in Winnebago profile, how to read a UBPR, or how this data updates.