First Financial Bank in Winnebago

Headquarters: Winnebago, Minnesota
Charter: Bank
Assets: $58.1M
Fed district: Minneapolis
Regulator: FDIC
Holding company: Krause Financial Inc.

6 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 13, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 13, 2026

How these figures are measured

Call-report figures are for First Financial Bank in Winnebago at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First Financial Bank in Winnebago's published fee schedule; Bank Fee Index medians	Current schedule	Oct 13, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First Financial Bank in Winnebago (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $8K in Q2 2026, about level with the same quarter a year earlier ($8K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
First Financial Bank in Winnebago: $15
First Financial Bank in Winnebago: $15
U.S. median: no median
Stop Payment
Compared at $16.25, the middle of its prices
First Financial Bank in Winnebago: $12.50 to $20
First Financial Bank in Winnebago: $12.50 to $20
U.S. median: no median
Debit Card Replacement
First Financial Bank in Winnebago: $15
First Financial Bank in Winnebago: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 20% from Q3 2025 to Q2 2026, to $8K.

Service-charge income, Q2 2026

$8K

$10KQ3 2025

$8KQ4 2025

$9KQ1 2026

$8KQ2 2026

Against the median

First Financial Bank in WinnebagoMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First Financial Bank in Winnebago · $58M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$50M to $68M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Financial Bank in Winnebago(this institution)	Winnebago, MN	$58M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Bearden	Bearden, AR	$67M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Brewton	Brewton, AL	$50M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
BANK360	Cordell, OK	$61M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Benton County State Bank	Blairstown, IA	$51M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Blue Grass Federal Savings and Loan Association	Paris, KY	$59M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community First Bank, National Association	Forest, OH	$56M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Community National Bank in Monmouth	Monmouth, IL	$55M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers and Merchants Bank of Mound City, Kansas	Mound City, KS	$65M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers State Bank, Allen, Oklahoma	Allen, OK	$57M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fortuna Bank	Grandview Heights, OH	$57M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lamont Bank of St. John	Saint John, WA	$51M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
North County Savings Bank	Red Bud, IL	$63M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Richton Bank & Trust Company	Richton, MS	$52M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sidney Federal Savings and Loan Association	Sidney, NE	$56M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Bank of Scotia	Scotia, NE	$61M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
State National Bank	Groom, TX	$55M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Talbot State Bank	Woodland, GA	$52M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Blue Grass Valley Bank	Blue Grass, VA	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The City State Bank	Fort Scott, KS	$58M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First Farmers National Bank of Waurika	Waurika, OK	$56M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Mer Rouge State Bank	Mer Rouge, LA	$52M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Peoples Bank	Gambier, OH	$60M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Port Austin State Bank	Port Austin, MI	$68M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The State Exchange Bank	Mankato, KS	$51M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
United Minnesota Bank	New London, MN	$57M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

First Financial Bank in Winnebago does not publish a monthly maintenance fee in the index.

The peer median is $5.25 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Financial Bank in Winnebago does not publish a monthly maintenance fee, so it is not on this chart.

First Financial Bank in W…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Financial Bank in Winnebago (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $8K
vs prior quarter: −$1K−11.1%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: −$4K−33.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Financial Bank in Winnebago (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$8K	−$1K	−11.1%
Q1 2026	$9K	+$1K	+12.5%
Q4 2025	$8K	−$2K	−20.0%
Q3 2025	$10K	+$2K	+25.0%
Q2 2025	$8K	−$1K	−11.1%
Q1 2025	$9K	−$2K	−18.2%
Q4 2024	$11K	−$1K	−8.3%
Q3 2024	$12K	+$2K	+20.0%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Financial Bank in Winnebago’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee Per Month$2.50
per month
Account Balancing Assistance Charge Fee Per Hour$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Charge Fee Per Hour$20
Not compared: Charged per hour; comparison unavailable
per hour
Chargeback Fee Per Item (Debit Card Usage)$12.50
per item

Overdraft & NSF

Value, Sr Value, NOW, Super NOW & HSA Checking Accounts: NSF$15

ATM & Card

Lost, Stolen & Replacement Debit Card Fee Per Event$15
per item

Check Services

SAVINGS DEPOSIT ACCOUNTS: Stop Payment Fee (all items) Per Item$12.50
per item
SIMPLE CHECKING ACCOUNTS: Stop Payment Fee (all items) Per Item$20
per item

Cash & Deposit

Chargeback Retrieval Fee Per Item (Debit Card Usage)$5
per item
Deposited Item Return Charge Fee Per Item$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee Per Month	$2.50	per month	None
Account Balancing Assistance Charge Fee Per Hour	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Charge Fee Per Hour	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Chargeback Fee Per Item (Debit Card Usage)	$12.50	per item	None
Overdraft & NSF
Value, Sr Value, NOW, Super NOW & HSA Checking Accounts: NSF	$15	Not stated	None
ATM & Card
Lost, Stolen & Replacement Debit Card Fee Per Event	$15	per item	None
Check Services
SAVINGS DEPOSIT ACCOUNTS: Stop Payment Fee (all items) Per Item	$12.50	per item	None
SIMPLE CHECKING ACCOUNTS: Stop Payment Fee (all items) Per Item	$20	per item	None
Cash & Deposit
Chargeback Retrieval Fee Per Item (Debit Card Usage)	$5	per item	None
Deposited Item Return Charge Fee Per Item	$2	per item	None

Correct a fee source

Oct 13, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where First Financial Bank in Winnebago operates, and what regulators and customers have on file.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

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