TellerScore

First Financial Bank in Winnebago is a state-chartered bank headquartered in Winnebago, Minnesota, in business for about 113 years. At the end of Q2 2026 it reported $58.1M in total assets and $47.7M in deposits, with 1 office.

Based on its Q2 2026 filing, First Financial Bank in Winnebago scores 82/100, which we describe as strong. That is higher than 70% of 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 31st. Its strongest component is problem-loan coverage (91/100; 4.4%), and its lowest is earnings (71/100; 1.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion88/100
Tier 1 leverage ratio: 13.81%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.66%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity88/100
Loans ÷ deposits and uninsured-deposit share: 72.5% · 10.0% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.36%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 13 points (69 → 82), mostly because the loan quality component improved by 32 points.

TellerScore
697682Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202475
Q4 202480
Q1 202582
Q2 202569
Q3 202577
Q4 202577
Q1 202680
Q2 202682
Tier 1 leverage ratio
5.00%9.40%13.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.84%
Q3 202412.21%
Q4 202412.99%
Q1 202513.03%
Q2 202513.04%
Q3 202513.11%
Q4 202513.26%
Q1 202613.57%
Q2 202613.81%
Noncurrent loans
0.00%0.81%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.22%
Q3 20240.00%
Q4 20240.46%
Q1 20250.47%
Q2 20251.63%
Q3 20250.88%
Q4 20250.83%
Q1 20261.00%
Q2 20260.66%
Return on assets
-0.21%0.57%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.21%
Q3 20240.20%
Q4 20241.02%
Q1 20251.34%
Q2 20251.18%
Q3 20251.17%
Q4 20251.01%
Q1 20261.35%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$58.1M13.81%0.66%1.27%72.5%
Q1 202680$57.0M13.57%1.00%1.35%71.2%
Q4 202577$58.8M13.26%0.83%1.01%72.3%
Q3 202577$59.6M13.11%0.88%1.17%77.3%
Q2 202569$60.2M13.04%1.63%1.18%75.4%
Q1 202582$58.1M13.03%0.47%1.34%71.4%
Q4 202480$58.4M12.99%0.46%1.02%74.6%
Q3 202475$59.7M12.21%0.00%0.20%75.4%
Q2 202471$60.5M12.84%0.22%-0.21%76.8%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.81%
60th
Total risk-based capital20.28%
73rd
Problem loans0.66%
42nd
Net charge-offs0.00%
58th
Return on assets1.27%
66th
Net interest margin3.70%
40th
Efficiency ratio65.4%
63rd
Loans to deposits72.5%
42nd
Uninsured deposits10.0%
76th
Loan-loss reserves1.05%
37th
Texas ratio4.4%
35th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
United Minnesota BankBank New London, MN66 out of 100, Moderate$56.9M7.8%0.54%vs
Arlington State BankBank Arlington, MN50 out of 100, Below average$56.7M10.1%2.12%vs
Grove BankBank Grove City, MN65 out of 100, Moderate$56.4M10.0%0.11%vs
Vergas State BankBank Vergas, MN93 out of 100, Very strong$60.7M15.3%0.16%vs
Farmers and Merchants State Bank of AppletonBank Appleton, MN70 out of 100, Strong$62.0M13.0%1.89%vs
Grand Timber BankBank Mcgregor, MN48 out of 100, Below average$64.5M10.7%2.81%vs

Deposit insurance

Is my money safe at First Financial Bank in Winnebago?

Yes. First Financial Bank in Winnebago is an FDIC-insured institution (FDIC certificate #5278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.0% of deposits ($4.8M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.28% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

First Financial Bank in Winnebago lists 1 office in 1 city. Most locations:

  • Winnebago, MN (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Financial Bank in Winnebago
Former names
First National Bank in Winnebago; The Blue Earth Valley National Bank of Winnebago
Type
State-chartered bank
FDIC certificate #
5278
RSSD ID
840354
Primary regulator
FDIC
Holding company
Krause Financial Inc
Established
January 1, 1913
Headquarters
1 Main St S, Winnebago, MN 56098
Employees
9

Quick answers

First Financial Bank in Winnebago: common questions

Is First Financial Bank in Winnebago FDIC insured?

Yes. First Financial Bank in Winnebago is an FDIC-insured institution (FDIC certificate #5278). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Financial Bank in Winnebago's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Financial Bank in Winnebago ever failed?

There is no failure record for FDIC certificate #5278 in the FDIC failed bank list.

How many branches does First Financial Bank in Winnebago have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Winnebago

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of EastonBank Easton, MN74 out of 100, Strong$28.4M13.8%1.60%vs
Farmers Trust and Savings BankBank Buffalo Center, IA74 out of 100, Strong$422.7M9.9%0.06%vs
Profinium, Inc.Bank Truman, MN72 out of 100, Strong$533.1M10.2%0.13%vs
Pioneer BankBank Mapleton, MN71 out of 100, Strong$883.8M10.2%0.58%vs
Alliance BankBank Lake City, MN70 out of 100, Strong$755.9M10.1%0.01%vs
Bank MidwestBank Spirit Lake, IA69 out of 100, Moderate$1.3B10.2%0.42%vs