C
WNB Financial, National Association
WinonaMN
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings WNB Financial, National Association
Winona, MN
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Rating C
Asset Quality Index 6.70
Capitalization Index 9.20
Liquidity Index 1.80
Profitability Index 3.90
Stability Index 6.70
Company Info WNB Financial, National Association
Winona, MN
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FDIC Number 5280
Phone Number (507) 454-8800
Website www.wnbfinancial.com
Asset Quality WNB Financial, National Association
Winona, MN
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1-Year Asset Growth 0.93%
5-Year Asset Growth 7.18%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.18%
Non-Performing Loans to Capital 0.06%
Non-Performing Loans to Loans 0.29%
Balance Sheet WNB Financial, National Association
Winona, MN
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Total Assets 561.14M
Total Deposits 492.79M
Capital and Reserves WNB Financial, National Association
Winona, MN
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Capital 57.39M
Leverage Ratio 10.48
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio --
Liquidity WNB Financial, National Association
Winona, MN
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Hot Money Ratio 17.13%
Liquidity Ratio 19.42%
Profitability WNB Financial, National Association
Winona, MN
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5-Year Return on Average Assets 0.97%
Net Income 2.93M
Net Interest Spread 3.18%
Operating Profit to Average Assets 0.92%
Overhead Efficiency Ratio 75.08%
Return on Assets 0.69%
Return on Equity 7.09%