C
WNB Financial, National Association
WinonaMN
Rating Date
March 2026
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 6.80
Capitalization Index 8.70
Liquidity Index 2.60
Profitability Index 4.00
Stability Index 6.40
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 3.61%
5-Year Asset Growth 3.32%
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 0.87%
Non-Performing Loans to Loans 0.29%
Balance Sheet WNB Financial, National Association
Winona, MN
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Total Assets 585.00M
Total Deposits 515.49M
Capital and Reserves WNB Financial, National Association
Winona, MN
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Capital 58.72M
Leverage Ratio 10.13
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio --
Liquidity WNB Financial, National Association
Winona, MN
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Hot Money Ratio 15.80%
Liquidity Ratio 24.62%
Profitability WNB Financial, National Association
Winona, MN
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5-Year Return on Average Assets 0.97%
Net Income 4.29M
Net Interest Spread 3.23%
Operating Profit to Average Assets 0.98%
Overhead Efficiency Ratio 73.83%
Return on Assets 0.75%
Return on Equity 7.68%