BANK OF WINONA

WINONA, MS | Small | Est. June 15, 1885, midnight | FDIC #12207 | RSSD #800442 | FED
Latest Report: 2025-12-31

BANK OF WINONA is asn small FDIC-insured commercial bank headquartered in WINONA, MS, established in June 15, 1885, midnight. As of 2025-12-31, the bank reported total assets of $139M and total deposits of $116M. Profitability stands at -0.64% ROA and -5.25% ROE, with a net interest margin of 3.40%. The bank's CET1 capital ratio is 33.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.25% and a Texas Ratio of 3.35%. FDIC Certificate #12207.

Assets

$139M

Deposits

$116M

Loans

$47M

Equity

$17M

Profitability

Return on Assets (ROA) -0.64%
Return on Equity (ROE) -5.25%
Net Interest Margin (NIM) 3.40%
Yield on Assets 4.86%
Cost of Funds 1.62%

Asset Quality

NPL Ratio 1.25%
Net Charge-Off Ratio 0.09%
Texas Ratio 3.35%
NPA Ratio 0.43%
ACL / Loans 1.84%

Capital & Liquidity

CET1 Ratio 33.03%
Tier 1 Capital 33.03%
Total Capital Ratio 34.29%
Leverage Ratio 13.04%
Loan-to-Deposit 40.90%

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