Winona, MS · Cert 12207 · Bancorp of Winona Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | -0.35% | 0.53% | 0.49% | 0.75% | -0.64% | 0.67% | 1.20% | +71 bps | |
| Return on Equity | 4.22% | -3.10% | 4.94% | 4.43% | 6.40% | -5.25% | 5.67% | 10.29% | +586 bps | |
| Net Interest Margin | 2.67% | 2.67% | 2.75% | 2.78% | 2.98% | 3.04% | 2.93% | 3.01% | +23 bps | |
| Efficiency Ratio | 79.24% | 97.97% | 78.18% | 80.15% | 71.55% | 109.48% | 72.43% | 58.17% | -2,198 bps | |
| Non-Interest Burden | 2.06% | 2.59% | 2.11% | 2.19% | 2.06% | 3.36% | 2.07% | 1.43% | -76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.66% | -5.44% | -6.26% | -5.37% | -0.68% | -2.17% | 0.68% | 2.23% | +759 bps | |
| Loan Growth (YoY) | -7.01% | -5.39% | -6.17% | -0.66% | -1.16% | -0.69% | -0.10% | 0.77% | +143 bps | |
| Deposit Growth (YoY) | -9.38% | -6.14% | -7.69% | -6.42% | -1.23% | -4.15% | 0.10% | 1.27% | +769 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.40% | 1.68% | 1.68% | 1.53% | 1.23% | 1.25% | 1.45% | 1.30% | -22 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.59% | 0.22% | 0.00% | 0.22% | -0.07% | 0.07% | -0.02% | -2 bps | |
| Allowance / Loans | 1.52% | 1.67% | 1.64% | 1.64% | 1.60% | 1.84% | 1.88% | 1.92% | +27 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.0x | 1.0x | 1.1x | 1.3x | 1.5x | 1.3x | 1.5x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.17% | 13.02% | 13.10% | 13.26% | 13.48% | 13.04% | 12.87% | 13.12% | -14 bps | |
| Total Risk-Based Capital | 34.30% | 33.40% | 33.91% | 34.69% | 35.18% | 34.28% | 34.81% | 35.45% | +76 bps | |
| Equity / Assets | 12.03% | 10.51% | 10.97% | 11.03% | 12.39% | 12.07% | 11.41% | 11.86% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.54% | 39.48% | 39.41% | 39.88% | 40.57% | 40.90% | 39.33% | 39.68% | -20 bps | |
| Liquid Assets / Assets | 4.53% | 5.45% | 6.75% | 5.37% | 2.94% | 1.92% | 6.64% | 5.13% | -25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 54.17% | 54.05% | 51.39% | n/a | n/a | |