Bank of Winona
Data as of · sourced from FFIEC call reports. How we update
Operating from Winona, MS, Bank of Winona serves its local market as an FDIC-insured commercial bank. Bank of Winona's Q1 2026 balance sheet shows $143M in assets funded primarily by $120M in customer deposits. Returns are in line with industry norms at 0.81% ROA and 7.22% ROE; net interest margin is 3.21%. Capital is comfortably above regulatory minimums — CET1 ratio of 33.56% sits well above the 7% well-capitalized threshold. Asset quality is solid — 1.45% nonperforming loans and a 3.99% Texas Ratio. The bank operates from a single office.
Headquarters Profile
- Address
- 312 N Applegate St , WINONA , MS 38967
- County
- Montgomery
- Metro Area
- GRENADA, MS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 13
- Established
- June 15, 1885
- Branches
- 1 domestic
- Employees (FTE)
- 14
- FDIC Cert
- 12207
- Fed RSSD
- 800442
- Website
- www.bankofwinona.com →
- Parent Holding Company
- RSSD 3229503
Capital & Liquidity
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Bank of Winona rankings
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Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Frequently asked about Bank of Winona
What are Bank of Winona's total assets?
As of the Q1 2026 filing, Bank of Winona reported total assets of $142.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Winona headquartered?
Bank of Winona is headquartered in WINONA, MS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Winona founded?
Bank of Winona was established in 1885, per the FDIC institution directory.
Is Bank of Winona FDIC-insured?
Yes. Bank of Winona is an FDIC-insured commercial bank (FDIC Certificate #12207). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Winona?
Bank of Winona's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Winona's CET1 capital ratio?
Bank of Winona reported a Common Equity Tier 1 (CET1) capital ratio of 33.56% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Bank of Winona operate?
Bank of Winona operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Bank of Winona's Texas Ratio?
Bank of Winona's Texas Ratio is 3.99% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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