Bank of Winona
Winona, MS
IDRSSD: 800442
Total Assets
$139.01M
Latest filing
Total Deposits
$116.12M
Latest filing
Net Interest Margin
3.39%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
084201524WINONA, MS
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Winona
312 N Applegate St
Winona, MS 38967
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/15/1885FDIC Certificate 7755
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Bank of Winona (Main) | 312 N Applegate St | Winona, MS | ||
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 Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 06/15/1885 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38967 |
| State and County Number | 28097 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 15 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/01/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankofwinona.com |
| Data Updated | 01/30/2026 |
| CERT | 12207 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $139.01M |
| Total Deposits | $116.12M |
| Total Liabilities | $122.24M |
| Total Equity Capital | $16.77M |
| Net Income | $-223,000 |
| Net Loans and Leases | $46.62M |
| Assets Per Employee ($Millions) | $9.93M |
| Bank Premises and Fixed Assets | $2.59M |
| Cash and Balances due from Depository Institutions | $5.88M |
| Deposits Held in Domestic Offices | $116.12M |
Key Performance Ratios
| Return on Assets (ROA) | -0.64% |
| Return on Equity (ROE) | -5.25% |
| Net Interest Margin | 3.39% |
| Efficiency Ratio | 109.48% |
| Tier 1 Risk-Based Capital Ratio | 33.031% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.35% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.066% |
| Earning Assets to total Assets | 91.64% |
Income and Expense
| Total Interest Income | $1.55M |
| Total Noninterest Income | $96.00k |
| Total Interest Expense | $469.00k |
| Total Noninterest Expense | $1.29M |
| Net Interest Income | $1.08M |
| Pre-tax Net Operating Income | $-232,000 |
| Provision for Credit Losses | $120.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $139.01M |
Securities
| Securities | $78.10M |
| Available-for-sale debt securities | $78.10M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$139.01M as of the latest filing.
How much are Bank of Winona's total deposits?
$116.12M in total deposits.
Where is Bank of Winona located?
Winona, MS.
What is the Net Interest Margin?
3.39%.
How many domestic offices does it operate?
1.
When was it established?
06/15/1885.
What is the Return on Assets (ROA)?
-0.64%.
How much are total loans and leases?
$46.62M (latest filing).
What is the total interest income (latest filing)?
$1.55M.