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
Unfavorable gap of $2.6M · efficiency ratio beats 50% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.72% | 1.06% | 1.45% | Beats 40% | 446 / 746 | |
| Return on Equity | 7.81% | 6.74% | 10.51% | 13.63% | Beats 32% | 505 / 746 | |
| Net Interest Margin | 2.96% | 3.17% | 3.68% | 4.16% | Beats 17% | 622 / 746 | |
| Efficiency Ratio | 64.59% | 55.74% | 64.58% | 75.47% | Beats 50% | 375 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.30% | 0.09% | 0.42% | 1.07% | Beats 20% | 596 / 743 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 40% | 448 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 34.20% | 11.55% | 13.75% | 17.60% | Beats 96% | 28 / 746 | |
| Total Risk-Based Capital Ratio | 35.45% | 11.71% | 14.33% | 18.43% | Beats 96% | 28 / 746 | |
| Equity / Assets | 11.86% | 8.90% | 10.51% | 13.06% | Beats 67% | 247 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 39.68% | 61.31% | 78.27% | 90.78% | 5th pctl | 709 / 746 | |
| Loans / Assets | 33.26% | 53.60% | 66.97% | 76.08% | 5th pctl | 708 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |