BlastPoint's Banking Scorecard
First Financial Bank in Winnebago
Designations: ✓ Community bank
Winnebago, MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits -3.1% year over year ($47.7M on the books).
- Delinquency rate 0.67%.
- Return on assets 1.27%.
- Efficiency ratio 65.42% vs a 119.40% peer average.
- Loan-to-deposit ratio 72.45% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Financial Bank in Winnebago has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.28% above tier average
- + Efficiency Ratio 53.98% below tier average
- + Delinquency Rate 0.81% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.1M
-3.4% YoY
+2.1% QoQ
|
-$4.3M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
43% |
| Total Loans ? |
$34.6M
-6.9% YoY
+0.4% QoQ
|
-$334K |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$47.7M
-3.1% YoY
-1.4% QoQ
|
-$3.9M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
41% |
| Return on Assets ? |
1.27%
+7.7% YoY
-5.5% QoQ
|
+0.28% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
66% |
| Net Interest Margin ? |
3.70%
-1.2% YoY
+0.7% QoQ
|
-0.21% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
65.42%
-2.8% YoY
+3.5% QoQ
|
-53.98% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
0.67%
-59.1% YoY
-33.6% QoQ
|
-0.81% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
72.45%
-3.9% YoY
+1.8% QoQ
|
-1.76% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
18.25%
+7.0% YoY
+5.2% QoQ
|
-5.24% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.53%
-53.7% YoY
-29.0% QoQ
|
-0.31% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
19.40%
+8.1% YoY
+0.1% QoQ
|
-7.72% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.09%
+3.5% YoY
+95.9% QoQ
|
-1.29% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
34% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.2%
+1.2pp YoY +0.9pp QoQ |
-6.4pp | 24.6% | 21.9% | 22.2% | 30% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.0%
-0.3pp YoY -1.1pp QoQ |
+3.6pp | 13.4% | 14.6% | 12.5% | 74% |
| CRE |
10.7%
+1.4pp YoY 0.0pp QoQ |
-14.5pp | 25.2% | 36.5% | 41.4% | 14% |
| 1-4 Family |
17.5%
-0.3pp YoY -0.1pp QoQ |
-17.5pp | 35.0% | 29.4% | 31.3% | 33% |
| Consumer |
2.5%
-0.1pp YoY +0.2pp QoQ |
-5.2pp | 7.7% | 4.5% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.4%
+1.5pp YoY 0.0pp QoQ |
-19.3pp | 38.7% | 16.5% | 19.7% | 42% |
| Leverage Ratio |
13.8%
+0.8pp YoY +0.2pp QoQ |
-3.9pp | 17.7% | 11.0% | 12.6% | 60% |
| Total Capital Ratio |
20.3%
+1.5pp YoY 0.0pp QoQ |
-19.4pp | 39.7% | 17.6% | 20.8% | 41% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
0 YoY 0 QoQ |
-3 | 12 | 55 | 482 | 36% |
| Assets per Employee ($) |
$6.5M
-3.4% YoY +2.1% QoQ |
+$273K | $6.2M | $8.6M | $8.8M | 58% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.7%
+0.1pp YoY 0.0pp QoQ |
-1.1pp | 1.7% | 1.0% | 1.0% | 48% |
| Allowance Coverage |
1.59x
+162.9% YoY +50.0% QoQ |
-4.82x | 6.41x | 20.41x | 20.23x | 55% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.3%
-0.7pp YoY -0.8pp QoQ |
+4.9pp | 6.4% | 13.1% | 11.6% | 68% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.7% | 1.7% | 66% |
| Net Income ($, YTD) |
$369,000
+6.0% YoY — QoQ |
+$51K | $317,817 | $4.5M | $40.4M | 60% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.