WNB FINANCIAL, N.A.

BankWinona, Minnesota
http://www.wnbfinancial.com

Total Assets

$585.0M

Total Deposits

$515.5M

Branches

7

Established

1874

TFS Health Grade

$
D

65.2 / 100

Below average financial health

How we grade

WNB FINANCIAL, N.A. is a bank headquartered in Winona, Minnesota, established in 1874. With $585.0M in total assets and 7 branch locations, it has a TFS Financial Health Grade of D (65.2/100).

Capital & Safety

Tier 1 Capital Ratio
10.13%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.01%

Profitability

Return on Assets (ROA)
0.76%(1%)
Return on Equity (ROE)
7.68%(10%)
Net Interest Margin
3.33%
Efficiency Ratio
73.24%(60%)

Lending & Liquidity

Total Loans
$352.2M
Loan-to-Deposit Ratio
67.49%
Net Charge-Off Ratio
-0.00%

Growth

Asset Growth (YoY)
+3.61%
Deposit Growth (YoY)
+5.02%
Net Income
$4.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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