Visbanking Logo
Skip to main content

Bank Of Winona

IDRSSD: 800442
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q3QoQ -6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #800442 2024-Q3 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↓ -6 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -20

The five pillars

Liquidity

StrongQoQ -4
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.9%, cash 5.8% of assets.

Cash / Assets
5.76%
Loans / Deposits
39.93%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 33.05%, CET1 33.05%, leverage 13.17%.

Tier 1 RBC
33.05%
CET1
33.05%
Leverage
13.17%
No watch items at this period.

Asset Quality

StableQoQ -9
75
Sub-score

Asset quality is stable: Adjusted NPL 1.42%, Texas Ratio 3.3%, NCO YTD 0.03%.

Adjusted NPL
1.42%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
0.03%
30-89 PD
3.52%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -20
80
Sub-score

Reserves are stable: ALLL 1.52% of loans, coverage 108.6%, true coverage 108.6%.

ALLL / Loans
1.52%
Coverage
108.6%
True Loss Coverage
108.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 12:44:50 UTC