First Financial Bank in Winnebago: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Deposits to assets: 2.87 percentage points lower than in Q1 2026, at 82.03%. Within Minnesota, First Financial Bank in Winnebago is 143rd of 221 on return on assets, 1.18% as of Q2 2026, below the middle of the field. First Financial Bank in Winnebago reported 1.18% on return on assets for Q2 2026, 0.21 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.40% |
| Tier 1 risk-based capital ratio | 19.40% |
| Total risk-based capital ratio | 20.28% |
| Tier 1 leverage ratio | 13.81% |
| Equity capital to assets | 11.44% |
| Tangible equity to tangible assets | 11.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.66% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.36% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 158.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 10.66% |
| Net interest margin | 3.73% |
| Efficiency ratio | 65.52% |
| Yield on earning assets | 5.33% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.22% |
| Core deposits to total deposits | 98.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.03% |
| Securities to assets | 34.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.71% | 17.71% | 18.54% | 13.86% | 1.51% |
| Q4 2023 | 17.46% | 17.46% | 18.26% | 13.57% | 0.61% |
| Q1 2024 | 16.96% | 16.96% | 17.78% | 12.85% | -1.72% |
| Q2 2024 | 16.62% | 16.62% | 17.40% | 12.84% | 1.28% |
| Q3 2024 | 16.83% | 16.83% | 17.62% | 12.21% | 0.97% |
| Q4 2024 | 17.71% | 17.71% | 18.52% | 12.99% | 3.40% |
| Q1 2025 | 18.39% | 18.39% | 19.21% | 13.03% | 1.28% |
| Q2 2025 | 17.94% | 17.94% | 18.77% | 13.04% | 1.00% |
| Q3 2025 | 18.52% | 18.52% | 19.36% | 13.11% | 1.11% |
| Q4 2025 | 18.78% | 18.78% | 19.65% | 13.26% | 0.54% |
| Q1 2026 | 19.38% | 19.38% | 20.26% | 13.57% | 1.32% |
| Q2 2026 | 19.40% | 19.40% | 20.28% | 13.81% | 1.18% |
First Financial Bank in Winnebago vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Financial Bank in Winnebago, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)