WNB Financial, National Association
Winona, MN · Cert 5280 · Peer group: banks under $1B in assets operating regionally (n=94) · WNB Holding Co.
National charter · OCC · 7 branches
Q2 2026
$583.7MAssets
$352.1MLoans
$512.9MDeposits
$60.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 84% of banks under $1B in assets operating regionally (rank 16 of 94).
- Widest gap: net interest margin trails 88% of banks under $1B in assets operating regionally (rank 83 of 94).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.99%
Rank 60 of 94
Net Interest Margin
3.14%
Rank 83 of 94
Efficiency Ratio
68.29%
Rank 63 of 94
Equity / Assets
10.32%
Rank 45 of 94
Non-interest income vs. expense
Unfavorable gap of $10.7M · efficiency ratio beats 34% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.82% | 1.19% | 1.46% | Beats 36% | 60 / 94 | |
| Return on Equity | 9.58% | 7.85% | 11.84% | 14.03% | Beats 32% | 64 / 94 | |
| Net Interest Margin | 3.14% | 3.42% | 3.81% | 4.18% | Beats 12% | 83 / 94 | |
| Efficiency Ratio | 68.29% | 55.99% | 62.41% | 73.02% | Beats 34% | 63 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.19% | 0.47% | 1.14% | Beats 84% | 16 / 94 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 66% | 33 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 10.31% | 10.28% | 11.95% | 15.07% | Beats 27% | 69 / 94 | |
| Total Risk-Based Capital Ratio | 10.31% | 10.31% | 12.59% | 15.88% | Beats 23% | 72 / 94 | |
| Equity / Assets | 10.32% | 8.98% | 10.21% | 11.41% | Beats 52% | 45 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 68.65% | 72.62% | 84.44% | 94.55% | 16th pctl | 79 / 94 | |
| Loans / Assets | 60.31% | 62.50% | 72.84% | 78.99% | 16th pctl | 79 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |