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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 $3.8MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $90.9M24%Noninterest $28.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.51%0.53%0.51%0.59%0.32%0.67%0.93%+43 bps
Return on Equity7.16%4.81%4.94%4.70%5.24%2.80%5.67%7.94%+324 bps
Net Interest Margin3.02%2.96%2.75%2.77%2.87%2.93%2.93%2.96%+19 bps
Efficiency Ratio70.17%77.67%78.18%79.17%76.52%85.14%72.43%64.59%-1,458 bps
Non-Interest Burden2.04%2.20%2.11%2.15%2.14%2.46%2.07%1.74%-41 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 / Loans1.40%1.68%1.68%1.53%1.23%1.25%1.45%1.30%-22 bps
Net Charge-Offs / Loans0.10%0.22%0.22%0.11%0.15%0.09%0.07%0.03%-9 bps
Allowance / Loans1.52%1.67%1.64%1.64%1.60%1.84%1.88%1.92%+27 bps
Allowance Coverage of NPLs1.1x1.0x1.0x1.1x1.3x1.5x1.3x1.5x+0.4x
Capital
Tier 1 Leverage Ratio13.17%13.02%13.10%13.26%13.48%13.04%12.87%13.12%-14 bps
Total Risk-Based Capital34.30%33.40%33.91%34.69%35.18%34.28%34.81%35.45%+76 bps
Equity / Assets12.03%10.51%10.97%11.03%12.39%12.07%11.41%11.86%+83 bps
Liquidity & Funding
Loans / Deposits40.54%39.48%39.41%39.88%40.57%40.90%39.33%39.68%-20 bps
Liquid Assets / Assets4.53%5.45%6.75%5.37%2.94%1.92%6.64%5.13%-25 bps
CRE / Total Capitaln/an/an/an/a54.17%54.05%51.39%n/an/a