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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 ’244.24%Q2 ’254.24%Q2 ’26-8%+8%

Non-interest income vs. expense

2.19%Q2 ’242.42%Q2 ’252.20%Q2 ’26+11%-35%

Executive Summary

  • Earnings: ROA of 1.20%, up 71 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 1.30% of loans (-22 bps YoY), with net recoveries of 0.02%.
  • 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 (quarter, annualized)

1.20%+71 bps YoY

Net Interest Margin (quarter, annualized)

3.01%+23 bps YoY

Efficiency Ratio (quarter, annualized)

58.17%-2,198 bps YoY

Tier 1 Leverage Ratio

13.12%-14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.75%-0.64%0.67%1.20%+71 bps
Return on Equity4.43%6.40%-5.25%5.67%10.29%+586 bps
Net Interest Margin2.78%2.98%3.04%2.93%3.01%+23 bps
Efficiency Ratio80.15%71.55%109.48%72.43%58.17%-2,198 bps
Non-Interest Burden2.19%2.06%3.36%2.07%1.43%-76 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 / Loans0.00%0.22%-0.07%0.07%-0.02%-2 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