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Bank of Winona

Winona, MS · Cert 12207 · Bancorp of Winona Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

86

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

50

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Winona

Winona, MS · Cert 12207 · Bancorp of Winona Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$142.7MAssets
$47.5MLoans
$119.6MDeposits
$16.9MEquity
Loan mix
85%RE $37.7M6%C&I $2.6M9%Consumer $3.8MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $90.9M24%Noninterest $28.8MQ2 2025Q2 2026

NIM

4.28%Q2 ’244.26%Q2 ’254.21%Q2 ’26-9%+7%

Non-interest income vs. expense

2.18%Q2 ’242.36%Q2 ’252.22%Q2 ’26+11%-19%

Executive Summary

  • Earnings: ROA of 0.93%, up 43 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 1.30% of loans (-22 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 13.12%, down 14 bps from a year ago.
  • Funding: loans stand at 39.68% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%+43 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+19 bps YoY

Efficiency Ratio (YTD, annualized)

64.59%-1,458 bps YoY

Tier 1 Leverage Ratio

13.12%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.59%0.32%0.67%0.93%+43 bps
Return on Equity4.70%5.24%2.80%5.67%7.94%+324 bps
Net Interest Margin2.77%2.87%2.93%2.93%2.96%+19 bps
Efficiency Ratio79.17%76.52%85.14%72.43%64.59%-1,458 bps
Non-Interest Burden2.15%2.14%2.46%2.07%1.74%-41 bps
Growth
Asset Growth (YoY)-5.37%-0.68%-2.17%0.68%2.23%+759 bps
Loan Growth (YoY)-0.66%-1.16%-0.69%-0.10%0.77%+143 bps
Deposit Growth (YoY)-6.42%-1.23%-4.15%0.10%1.27%+769 bps
Asset Quality
Nonperforming Loans / Loans1.53%1.23%1.25%1.45%1.30%-22 bps
Net Charge-Offs / Loans0.11%0.15%0.09%0.07%0.03%-9 bps
Allowance / Loans1.64%1.60%1.84%1.88%1.92%+27 bps
Allowance Coverage of NPLs1.1x1.3x1.5x1.3x1.5x+0.4x
Capital
Tier 1 Leverage Ratio13.26%13.48%13.04%12.87%13.12%-14 bps
Total Risk-Based Capital34.69%35.18%34.28%34.81%35.45%+76 bps
Equity / Assets11.03%12.39%12.07%11.41%11.86%+83 bps
Liquidity & Funding
Loans / Deposits39.88%40.57%40.90%39.33%39.68%-20 bps
Liquid Assets / Assets5.37%2.94%1.92%6.64%5.13%-25 bps
CRE / Total Capitaln/a54.17%54.05%51.39%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Winona

Winona, MS · Cert 12207 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Bancorp of Winona Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$142.7MAssets
$47.5MLoans
$119.6MDeposits
$16.9MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets operating in a single state (rank 28 of 746).
  • Widest gap: net interest margin trails 83% of banks under $1B in assets operating in a single state (rank 622 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.93%

Rank 446 of 746

Net Interest Margin

2.96%

Rank 622 of 746

Efficiency Ratio

64.59%

Rank 375 of 746

Equity / Assets

11.86%

Rank 247 of 746

Non-interest income vs. expense

$0.7M$3.3MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 50% of banks under $1B in assets operating in a single state
Bank 64.59%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.93%0.72%1.06%1.45%Beats 40%446 / 746
Return on Equity7.81%6.74%10.51%13.63%Beats 32%505 / 746
Net Interest Margin2.96%3.17%3.68%4.16%Beats 17%622 / 746
Efficiency Ratio64.59%55.74%64.58%75.47%Beats 50%375 / 746
Asset Quality
Nonperforming Loans / Loans1.30%0.09%0.42%1.07%Beats 20%596 / 743
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 40%448 / 743
Capital
Tier 1 Capital Ratio34.20%11.55%13.75%17.60%Beats 96%28 / 746
Total Risk-Based Capital Ratio35.45%11.71%14.33%18.43%Beats 96%28 / 746
Equity / Assets11.86%8.90%10.51%13.06%Beats 67%247 / 746
Liquidity & Funding
Loans / Deposits39.68%61.31%78.27%90.78%5th pctl709 / 746
Loans / Assets33.26%53.60%66.97%76.08%5th pctl708 / 746
Brokered Deposits / Depositsn/aNot reported for this institution