B
WNB Financial, National Association
Winona,  MN
Rating Date
August 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 B
Asset Quality Index 8.20
Capitalization Index 9.00
Liquidity Index 2.60
Profitability Index 4.30
Stability Index 6.90
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 4.83%
5-Year Asset Growth 3.32%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 0.97%
Non-Performing Loans to Loans 0.24%
Balance Sheet WNB Financial, National Association
Winona, MN
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Total Assets 583.75M
Total Deposits 512.86M
Capital and Reserves WNB Financial, National Association
Winona, MN
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Capital 60.26M
Leverage Ratio 10.31
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 16.15%
Liquidity Ratio 24.99%
Profitability WNB Financial, National Association
Winona, MN
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5-Year Return on Average Assets 0.81%
Net Income 2.89M
Net Interest Spread 3.39%
Operating Profit to Average Assets 1.31%
Overhead Efficiency Ratio 68.29%
Return on Assets 0.99%
Return on Equity 9.75%