WNB FINANCIAL, NATIONAL ASSOCIATION

WINONA, MN | Medium | Est. Jan. 1, 1874, midnight | FDIC #5280 | RSSD #220059 | OCC
Latest Report: 2025-12-31

WNB FINANCIAL, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in WINONA, MN, established in Jan. 1, 1874, midnight. As of 2025-12-31, the bank reported total assets of $585M and total deposits of $515M. Profitability stands at 0.95% ROA and 9.37% ROE, with a net interest margin of 3.51%. The bank's CET1 capital ratio is 6.56%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.01%. FDIC Certificate #5280.

Assets

$585M

Deposits

$515M

Loans

$352M

Equity

$59M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 9.37%
Net Interest Margin (NIM) 3.51%
Yield on Assets 5.02%
Cost of Funds 1.56%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.01%
NPA Ratio 0.00%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 6.56%
Tier 1 Capital 6.56%
Total Capital Ratio 6.89%
Leverage Ratio 10.13%
Loan-to-Deposit 68.33%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required