| Metric | Bank of Winona | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | +1.3% | +4.0% | -2.7 pts |
| Loan growth (YoY) | +0.5% | +5.6% | -5.1 pts |
| ROA | 1.19% | 1.24% | -0.0 pts |
| ROE | 10.1% | 11.9% | -1.8 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $142.7M | $119.6M | $46.6M | $16.9M | $842K | 1.19% | 3.34% | 0.43% |
| Q1 2026 | $142.6M | $120.2M | $46.4M | $16.3M | $298K | 0.85% | 3.30% | 0.48% |
| Q4 2025 | $139.0M | $116.1M | $46.6M | $16.8M | $566K | 0.40% | 3.22% | 0.43% |
| Q3 2025 | $138.8M | $115.5M | $46.1M | $17.2M | $789K | 0.75% | 3.16% | 0.41% |
| Q2 2025 | $139.6M | $118.1M | $46.3M | $15.4M | $457K | 0.65% | 3.08% | 0.52% |
| Q1 2025 | $141.6M | $120.1M | $46.5M | $15.5M | $239K | 0.67% | 3.06% | 0.56% |
| Q4 2024 | $142.1M | $121.1M | $47.0M | $14.9M | $945K | 0.65% | 3.18% | 0.56% |
| Q3 2024 | $139.8M | $116.9M | $46.7M | $16.8M | $1.1M | 0.97% | 3.26% | 0.47% |
Loan mix (Q2 2026): real estate $37.8M · commercial $2.5M · consumer $3.7M · securities $79.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Winona | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.6% | 62.9% | 55th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Winona | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Winona | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Winona | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Winona | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Winona | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $119.6M branch deposits. Biggest market: Montgomery, MS, ranked 2nd with 35.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, MS | 1 | $119.6M | 35.19% | 2nd |
Mississippi: 78th with 0.13% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1