B
Bank of Winona
WinonaMS
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Bank of Winona
Winona, MS
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Rating B
Asset Quality Index 8.40
Capitalization Index 10.00
Liquidity Index 4.90
Profitability Index 1.90
Stability Index 6.70
Company Info Bank of Winona
Winona, MS
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FDIC Number 12207
Phone Number (662) 283-3231
Website www.bankofwinona.com
Asset Quality Bank of Winona
Winona, MS
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1-Year Asset Growth -0.68%
5-Year Asset Growth 3.12%
5-Year Charge-Offs to Average Loans 0.11%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 0.48%
Non-Performing Loans to Capital 2.87%
Non-Performing Loans to Loans 1.43%
Balance Sheet Bank of Winona
Winona, MS
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Total Assets 138.83M
Total Deposits 115.51M
Capital and Reserves Bank of Winona
Winona, MS
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Capital 17.20M
Leverage Ratio 13.48
Loan Loss Reserves to Loans 1.60%
Risk-Based Capital Ratio 35.18
Liquidity Bank of Winona
Winona, MS
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Hot Money Ratio 16.19%
Liquidity Ratio 42.03%
Profitability Bank of Winona
Winona, MS
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5-Year Return on Average Assets 1.18%
Net Income 789.00K
Net Interest Spread 3.27%
Operating Profit to Average Assets 0.72%
Overhead Efficiency Ratio 76.52%
Return on Assets 0.72%
Return on Equity 6.72%