WNB Financial, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 135.29 percentage points higher than in Q1 2026, at 503.26%. Within Minnesota, WNB Financial, N.A. is 148th of 221 on return on assets, 1.15% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. WNB Financial, N.A. sits 0.10 points lower, at 1.15% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.31% |
| Equity capital to assets | 10.32% |
| Tangible equity to tangible assets | 8.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.78% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 503.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.15% |
| Return on equity | 11.50% |
| Net interest margin | 3.40% |
| Efficiency ratio | 63.83% |
| Yield on earning assets | 4.74% |
| Cost of funds | 1.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.65% |
| Core deposits to total deposits | 94.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.86% |
| Securities to assets | 21.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.65% | 0.58% | 2.73% | 0.17% | 0.03% |
| Q4 2023 | 9.54% | 0.78% | 2.77% | 0.15% | 0.04% |
| Q1 2024 | 9.97% | 0.32% | 2.60% | 1.95% | 0.00% |
| Q2 2024 | 9.89% | 0.26% | 2.56% | 1.61% | 0.09% |
| Q3 2024 | 10.27% | 0.37% | 2.69% | 1.84% | 0.20% |
| Q4 2024 | 9.90% | 0.59% | 2.87% | 1.81% | 0.02% |
| Q1 2025 | 10.50% | 0.52% | 3.02% | 1.10% | -0.00% |
| Q2 2025 | 10.08% | 0.65% | 3.15% | 1.12% | -0.02% |
| Q3 2025 | 10.48% | 0.90% | 3.38% | 0.29% | 0.02% |
| Q4 2025 | 10.13% | 0.92% | 3.35% | 0.29% | -0.00% |
| Q1 2026 | 10.54% | 0.82% | 3.37% | 0.34% | -0.01% |
| Q2 2026 | 10.31% | 1.15% | 3.40% | 0.24% | -0.00% |
WNB Financial, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock WNB Financial, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full WNB Financial, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5280) · FFIEC NIC profile (RSSD 220059)