WNB Financial, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks WNB Financial, N.A. of Winona, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.15% | 1.34% | -0.19% | 42nd below |
| ROAE | 11.50% | 13.32% | -1.82% | 45th below |
| Net Interest Margin | 3.40% | 3.93% | -0.53% | 24th bottom |
| Efficiency Ratio | 63.83% | 61.14% | +2.69% | 42nd below |
| PPNR / Avg Assets | 1.53% | 1.68% | -0.15% | 46th below |
| Yield on Earning Assets | 4.74% | 5.67% | -0.93% | 15th bottom |
| Cost of Funds | 1.42% | 1.88% | -0.46% | 74th above |
| Net Interest Spread | 2.98% | 3.32% | -0.34% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.94% | -0.70% | 61st above |
| NPA / Total Assets | 0.15% | 0.70% | -0.55% | 65th above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 80th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 53rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 503.26% | 1539.31% | -1036.05% | 71st above |
| Texas Ratio | 1.78% | 7.33% | -5.55% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.31% | 12.14% | -1.83% | 38th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.32% | 11.37% | -1.05% | 50th above |
| TCE / Tangible Assets | 8.79% | 11.09% | -2.30% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.65% | 80.64% | -11.99% | 73rd above |
| Core Deposit Ratio | 94.31% | 86.86% | +7.45% | 81st top |
| Wholesale Funding Ratio | 1.31% | 5.04% | -3.73% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.83% | 6.85% | -2.02% | 53rd above |
| Loan Growth (Y/Y) | 0.18% | 7.91% | -7.73% | 23rd bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.48% | 6.29% | -1.81% | 54th above |
See WNB Financial, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock WNB Financial, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full WNB Financial, N.A. profile, how to read a UBPR, or how this data updates.