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Bank of Winona

Winona, MS
IDRSSD: 800442
Total Assets
$138.83M
Latest filing
Total Deposits
$115.51M
Latest filing
Net Interest Margin
3.31%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date06/15/1885
Community BankYes
Ownership TypeNot Mutual
ZIP38967
State and County Number28097
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number08
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameN/A

Operational Info

Number of Employees15
Domestic Offices1
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/01/2023
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.bankofwinona.com
Data Updated11/14/2025
CERT12207
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$138.83M
Total Deposits$115.51M
Total Liabilities$121.63M
Total Equity Capital$17.20M
Net Income$332.00k
Net Loans and Leases$46.11M
Assets Per Employee ($Millions)$9.26M
Bank Premises and Fixed Assets$2.63M
Cash and Balances due from Depository Institutions$5.54M
Deposits Held in Domestic Offices$115.51M

Key Performance Ratios

Return on Assets (ROA)0.95%
Return on Equity (ROE)8.15%
Net Interest Margin3.31%
Efficiency Ratio71.55%
Tier 1 Risk-Based Capital Ratio33.928%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets12.389%
Earning Assets to total Assets92.88%

Income and Expense

Total Interest Income$1.57M
Total Noninterest Income$90.00k
Total Interest Expense$501.00k
Total Noninterest Expense$830.00k
Net Interest Income$1.07M
Pre-tax Net Operating Income$330.00k
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$6.12M
Total Liabilities and Capital$138.83M

Securities

Securities$78.76M
Available-for-sale debt securities$78.76M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Bank of Winona?
$138.83M as of the latest filing.
How much are Bank of Winona's total deposits?
$115.51M in total deposits.
Where is Bank of Winona located?
Winona, MS.
What is the Net Interest Margin?
3.31%.
How many domestic offices does it operate?
1.
When was it established?
06/15/1885.
What is the Return on Assets (ROA)?
0.95%.
How much are total loans and leases?
$46.11M (latest filing).
What is the total interest income (latest filing)?
$1.57M.