Bank Comparison
Wnb Financial, N.A. vs Community Resource Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Wnb Financial, N.A. | Community Resource Bank |
|---|---|---|
| CET1 Ratio | — | 14.10% |
| Tier 1 Capital Ratio | — | 14.10% |
| Total Capital Ratio | — | 15.35% |
| Tier 1 Leverage Ratio | 10.54% | 10.39% |
| Equity / Assets | 10.33% | 11.02% |
Profitability
| Metric | Wnb Financial, N.A. | Community Resource Bank |
|---|---|---|
| Return on Assets (ROA) | 0.82% | 1.58% |
| Return on Equity (ROE) | 7.99% | 14.54% |
| Net Interest Margin (NIM) | 3.37% | 3.95% |
| Yield on Earning Assets | 4.68% | 5.40% |
| Cost of Funds | 1.35% | 1.62% |
Asset quality
| Metric | Wnb Financial, N.A. | Community Resource Bank |
|---|---|---|
| Texas Ratio | 2.42% | 11.86% |
| Non-Performing Loan Ratio | 0.34% | 1.77% |
| Non-Performing Asset Ratio | 0.21% | 1.25% |
| Net Charge-Off Ratio | -0.01% | -0.02% |
| ACL / Loans | 1.25% | 1.45% |
Balance sheet
| Metric | Wnb Financial, N.A. | Community Resource Bank |
|---|---|---|
| Total Assets | $569,960K | $575,584K |
| Total Deposits | $499,935K | $488,974K |
| Total Loans | $345,233K | $406,309K |
| Total Equity | $58,900K | $63,401K |
| Net Income (quarter) | $1,174K | $2,293K |
Liquidity & funding
| Metric | Wnb Financial, N.A. | Community Resource Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 69.06% | 83.09% |
| Core Deposit Ratio | 94.16% | 93.42% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Wnb Financial, N.A. | Community Resource Bank |
|---|---|---|
| Headquarters City | WINONA | NORTHFIELD |
| Headquarters State | MN | MN |
| Asset Tier | Medium | Medium |
| Charter Class | 10865 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 7 | 4 |
| Employees (FTE) | 100 | 67 |
| Established | Jan. 1, 1874, midnight | Sept. 18, 1878, 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.
View full Wnb Financial, N.A. profile | View full Community Resource Bank profile | Browse all bank comparisons