WNB FINANCIAL, N.A.
Winona, Minnesota, Winona County
$584M in total assets, the 1,620th largest of 4,309 US banks and 41st of 225 headquartered in Minnesota.
- FDIC certificate
- 5280
- Established
- 1874
- Owned by
- Wnb Holding Co
- Primary regulator
- OCC
- Website
- http://www.wnbfinancial.com
At a glance
Compared with 150 banks headquartered in Minnesota with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $584M | 85% | $277M | |
| Loans | $352M | 77% | $181M | |
| Deposits | $513M | 87% | $243M | |
| Return on assets | 0.97% | 27% | 1.25% | |
| Net interest margin | 3.45% | 16% | 4.00% | |
| Efficiency ratio | 67.8% | 73% | 61.0% | |
| Equity to assets | 10.32% | 69% | 9.54% | |
| Loans to deposits | 69% | 21% | 83% |
Growth
Total assets grew 1.3% a year over the last 5 years and 7.5% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2019 | First State Bank of Wabasha Wabasha, MN, an affiliate under the same holding company | $133M |
| Oct 2001 | Town & Country State Bank of Winona Winona, MN, an affiliate under the same holding company | $92M |
Where they operate
7 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Winona County, MN | $318M | 21.1% | 2 of 9 |
| Wabasha County, MN | $162M | 18.3% | 3 of 7 |
| La Crosse County, WI | $20M | 0.6% | 16 of 17 |
| Eau Claire County, WI | $12M | 0.5% | 16 of 16 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 4 branches since 2016 (3 to 7, +133.3%). 2 opened, 2 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 3 | |||
| 2019 | Acquired First State Bank of WabashaOpened Altoona | 3 | 0 | +3 | 6 |
| 2021 | Opened Holmen | 1 | 0 | +1 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 40% | 25% | |
| 1-4 family residential | 35% | 28% | |
| Business (C&I) | 9% | 15% | |
| Multifamily | 8% | 4% | |
| Construction and land | 5% | 5% | |
| Consumer | 1% | 4% | |
| Farmland | 1% | 10% | |
| Agricultural | 0% | 8% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 57% | 49% | |
| Time deposits | 25% | 30% | |
| Noninterest-bearing | 18% | 21% |
Brokered deposits are 0.0% of deposits (peers 3.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.08% | 0.48% |
| Net charge-offs, annualized | -0.01% | 0.00% |
| Reserves to loans | 1.23% | 1.20% |
| Leverage ratio | 10.31% | 10.05% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Minnesota
Largest competitors in Winona County, MN
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/wnb