Bank Comparison
Pineland Bank vs Wnb Financial, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Pineland Bank | Wnb Financial, N.A. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.31% | 10.54% |
| Equity / Assets | 10.21% | 10.33% |
Profitability
| Metric | Pineland Bank | Wnb Financial, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.68% | 0.82% |
| Return on Equity (ROE) | 16.64% | 7.99% |
| Net Interest Margin (NIM) | 5.15% | 3.37% |
| Yield on Earning Assets | 6.37% | 4.68% |
| Cost of Funds | 1.31% | 1.35% |
Asset quality
| Metric | Pineland Bank | Wnb Financial, N.A. |
|---|---|---|
| Texas Ratio | 5.68% | 2.42% |
| Non-Performing Loan Ratio | 0.10% | 0.34% |
| Non-Performing Asset Ratio | 0.65% | 0.21% |
| Net Charge-Off Ratio | 0.17% | -0.01% |
| ACL / Loans | 1.75% | 1.25% |
Balance sheet
| Metric | Pineland Bank | Wnb Financial, N.A. |
|---|---|---|
| Total Assets | $569,564K | $569,960K |
| Total Deposits | $504,294K | $499,935K |
| Total Loans | $416,114K | $345,233K |
| Total Equity | $58,139K | $58,900K |
| Net Income (quarter) | $2,375K | $1,174K |
Liquidity & funding
| Metric | Pineland Bank | Wnb Financial, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 82.51% | 69.06% |
| Core Deposit Ratio | 91.95% | 94.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Pineland Bank | Wnb Financial, N.A. |
|---|---|---|
| Headquarters City | ALMA | WINONA |
| Headquarters State | GA | MN |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 10865 |
| Regulator | FDIC | OCC |
| Domestic Branches | 9 | 7 |
| Employees (FTE) | 107 | 100 |
| Established | Oct. 1, 1939, midnight | Jan. 1, 1874, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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