Winona, MN · Cert 5280 · WNB Holding Co.
National charter · OCC · 7 branches
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 2.1% share · #15 of 34 inst. · $0.2B of $7.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.40% | 0.51% | 0.59% | 0.70% | 0.76% | 0.81% | 1.00% | +40 bps | |
| Return on Equity | 3.49% | 4.27% | 5.29% | 6.07% | 7.09% | 7.68% | 7.99% | 9.74% | +367 bps | |
| Net Interest Margin | 2.52% | 2.48% | 2.84% | 2.84% | 3.00% | 2.93% | 3.19% | 3.14% | +30 bps | |
| Efficiency Ratio | 86.88% | 84.78% | 81.02% | 77.94% | 74.47% | 73.24% | 72.14% | 67.82% | -1,012 bps | |
| Non-Interest Burden | 2.05% | 1.96% | 2.09% | 2.00% | 1.98% | 1.89% | 2.03% | 1.79% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.89% | -2.19% | -1.30% | 2.30% | 0.93% | 3.61% | 4.04% | 4.83% | +253 bps | |
| Loan Growth (YoY) | 1.97% | -1.43% | -2.15% | 1.62% | 4.17% | 2.95% | 2.66% | 0.18% | -144 bps | |
| Deposit Growth (YoY) | -1.72% | 2.31% | 3.56% | 4.95% | 3.53% | 5.02% | 4.60% | 4.48% | -47 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.05% | 0.09% | 0.00% | 0.01% | 0.01% | 0.08% | 0.08% | +8 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.08% | 0.00% | -0.01% | 0.00% | 0.00% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.22% | 1.22% | 1.24% | 1.22% | 1.22% | 1.23% | 1.25% | 1.23% | +1 bps | |
| Allowance Coverage of NPLs | 27.2x | 25.2x | 13.7x | 428.9x | 121.6x | 100.7x | 15.2x | 15.2x | -413.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.27% | 9.90% | 10.50% | 10.08% | 10.48% | 10.13% | 10.54% | 10.31% | +23 bps | |
| Total Risk-Based Capital | 10.27% | 9.90% | 10.50% | 10.08% | 10.48% | 10.13% | 10.54% | 10.31% | +23 bps | |
| Equity / Assets | 9.63% | 9.41% | 9.96% | 9.97% | 10.23% | 10.04% | 10.33% | 10.32% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.26% | 69.70% | 70.36% | 71.59% | 72.71% | 68.33% | 69.06% | 68.65% | -294 bps | |
| Liquid Assets / Assets | 16.07% | 19.44% | 18.60% | 16.01% | 16.52% | 21.37% | 20.29% | 21.03% | +502 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 325% | 320% | 307% | n/a | n/a | |