WNB FINANCIAL, N.A.
Winona, MN
IDRSSD: 220059
Total Assets
$585.00M
Latest filing
Total Deposits
$515.49M
Latest filing
Net Interest Margin
3.52%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
WNB FINANCIAL, N.A.
204 Main St
Winona, MN 55987
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1874FDIC Certificate 3548
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| WNB FINANCIAL, N.A. (Main) | 204 Main St | Winona, MN |
| FIRST STATE BANK OF WABASHA BRANCH | 111 Main St W | Wabasha, MN |
| WEST OFFICE | 1491 W Broadway St | Winona, MN |
| DETACHED FACILITY | Dodge And Belvidere | Kellogg, MN |
| EAST OFFICE | 840 Mankato Ave | Winona, MN |
| ALTOONA BRANCH | 1160 Blazing Star Blvd | Altoona, WI |
| HOLMEN BRANCH | 1506 Cole Court | Holmen, WI |
Showing 6 of 6
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1874 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55987 |
| State and County Number | 27169 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Winona, MN |
Operational Info
| Number of Employees | 107 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.wnbfinancial.com |
| Data Updated | 01/30/2026 |
| CERT | 5280 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $585.00M |
| Total Deposits | $515.49M |
| Total Liabilities | $526.28M |
| Total Equity Capital | $58.72M |
| Net Income | $1.36M |
| Net Loans and Leases | $347.90M |
| Assets Per Employee ($Millions) | $5.47M |
| Bank Premises and Fixed Assets | $10.59M |
| Cash and Balances due from Depository Institutions | $65.49M |
| Deposits Held in Domestic Offices | $515.49M |
Key Performance Ratios
| Return on Assets (ROA) | 0.95% |
| Return on Equity (ROE) | 9.37% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 69.85% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.037% |
| Earning Assets to total Assets | 91.9% |
Income and Expense
| Total Interest Income | $6.62M |
| Total Noninterest Income | $1.36M |
| Total Interest Expense | $1.99M |
| Total Noninterest Expense | $4.21M |
| Net Interest Income | $4.62M |
| Pre-tax Net Operating Income | $1.71M |
| Provision for Credit Losses | $60.00k |
| 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 | $7.64M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.14M |
| Total Liabilities and Capital | $585.00M |
Securities
| Securities | $130.89M |
| Available-for-sale debt securities | $64.70M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $66.18M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of WNB FINANCIAL, N.A.?
$585.00M as of the latest filing.
How much are WNB FINANCIAL, N.A.'s total deposits?
$515.49M in total deposits.
Where is WNB FINANCIAL, N.A. located?
Winona, MN.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1874.
What is the Return on Assets (ROA)?
0.95%.
How much are total loans and leases?
$347.90M (latest filing).
What is the total interest income (latest filing)?
$6.62M.