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BanksWnb Financial, N.A.

Wnb Financial, N.A.

WINONA, MNMediumEst. Jan 1, 1874FDIC #5280RSSD #220059OCC
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Wnb Financial, N.A. is a locally rooted FDIC-insured community bank based in Winona, MN. On its most recent Q1 2026 call report, Wnb Financial reported $570M in total assets against $500M in deposits. Returns are in line with industry norms at 0.82% ROA and 7.99% ROE; net interest margin is 3.37%. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.54% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.34% NPLs and a 2.42% Texas Ratio. 7 branches make up the footprint.

Headquarters Profile

Address
204 Main St, WINONA, MN 55987
County
Winona
Metro Area
WINONA, MN
Charter
Commercial bank, national (federal) charter, Fed member, OCC-supervised
Primary Regulator
OCC
Fed District
11
Established
January 1, 1874
Branches
7 domestic
Employees (FTE)
100
FDIC Cert
5280
Fed RSSD
220059
Website
http://www.wnbfinancial.com →
Parent Holding Company
WNB HOLDING COMPANY (RSSD 1133660)
Assets
$570M
Deposits
$500M
Loans
$345M
Equity
$59M

Profitability

Return on Assets0.82%
Return on Equity7.99%
Net Interest Margin3.37%
Yield on Earning Assets4.68%
Cost of Funds1.35%

Asset Quality

Non-Performing Loan Ratio0.34%
Net Charge-Off Ratio-0.01%
Texas Ratio2.42%
Non-Performing Asset Ratio0.21%
ACL / Loans1.25%

Capital & Liquidity

CET1 Capital Ratio—
Tier 1 Capital Ratio—
Total Capital Ratio—
Tier 1 Leverage Ratio10.54%
Loan-to-Deposit Ratio69.06%

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Wnb Financial, N.A. rankings

How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.

Largest US Banks by Assets
#1,723of 4,552
569960.00 · 62th pct
US Banks with Highest Return on Assets (ROA)
#2,861of 3,912
0.82% · 27th pct
US Banks with Highest Texas Ratio
#2,465of 3,908
2.42% · 37th pct
Most Efficient US Banks (Lowest Efficiency Ratio)
#2,910of 3,911
72.14% · 26th pct

Quarterly trend — last 6 quarters

Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.

QuarterCET1ROANPLTexasNIM
2026-03-31—0.82%0.34%2.42%3.37%
2025-12-31—0.92%0.29%2.00%3.35%
2025-09-30—0.90%0.29%2.04%3.38%
2025-06-30—0.65%1.12%7.99%3.15%
2025-03-31—0.52%1.10%7.70%3.02%
2024-12-31—0.59%1.81%13.30%2.87%

Branch Network

Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.

…
BranchLocationZIPDeposits
Loading branches…

Events & Regulatory History

Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.

  1. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  2. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC
  3. Structure Change
    Charter Discontinued (Merger or Purchase & Assumption)
    FFIEC NIC
  4. Merger
    Participated in Absorption/Consolidation/Merger
    FDIC

Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.

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Compare Wnb Financial, N.A. with peers

Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.

Wnb Financial, N.A. vs Scale Bank
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Wnb Financial, N.A. vs Pineland Bank
ALMA, GA · $570M assets
Wnb Financial, N.A. vs Commercial Capital Bank
DELHI, LA · $570M assets
Wnb Financial, N.A. vs Salem Co-operative Bank
SALEM, NH · $570M assets
Wnb Financial, N.A. vs Scale Bank
EDINA, MN · $570M assets
Wnb Financial, N.A. vs Community Resource Bank
NORTHFIELD, MN · $576M assets

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Frequently asked about Wnb Financial, N.A.

What are Wnb Financial, N.A.'s total assets?

As of the Q1 2026 filing, Wnb Financial, N.A. reported total assets of $570.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.

Where is Wnb Financial, N.A. headquartered?

Wnb Financial, N.A. is headquartered in WINONA, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.

When was Wnb Financial, N.A. founded?

Wnb Financial, N.A. was established in 1874, per the FDIC institution directory.

Is Wnb Financial, N.A. FDIC-insured?

Yes. Wnb Financial, N.A. is an FDIC-insured commercial bank (FDIC Certificate #5280). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.

Who regulates Wnb Financial, N.A.?

Wnb Financial, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.

How many branches does Wnb Financial, N.A. operate?

Wnb Financial, N.A. operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.

What is Wnb Financial, N.A.'s Texas Ratio?

Wnb Financial, N.A.'s Texas Ratio is 2.42% — 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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