Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Winona, MS · FDIC certificate #12207
BANK OF WINONA is an FDIC-insured institution based in Winona, MS (FDIC certificate #12207). In its Q3 2026 Call Report it reported total assets of $137M, total deposits of $116M and net loans of $46M. Its primary federal regulator is FED.
Plain-language readout
BANK OF WINONA has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $143M in Q2 2026 and were lowest at $137M in Q3 2026.
Total deposits were highest at $120M in Q1 2026 and lowest at $116M in Q3 2026.
Over the whole period total assets fell 4.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $137M | $116M | $46M | 1.20% | 10.46% | 3.45% |
| Q2 2026 | $143M | $120M | $47M | 1.19% | 10.11% | 3.34% |
| Q1 2026 | $143M | $120M | $46M | 0.85% | 7.22% | 3.30% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.8M | $11.0M | -$2.1M | -19.4% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $79.1M | $77.0M | +$2.1M | +2.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $46.6M | $46.4M | +$178K | +0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.5M | $2.5M | -$47K | -1.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.7M | $5.7M | +$14K | +0.2% |
| Total assets | $142.7M | $142.6M | +$152K | +0.1% |
| Liabilities | ||||
| Total deposits | $119.6M | $120.2M | -$565K | -0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.2M | $6.1M | +$55K | +0.9% |
| Total liabilities | $125.8M | $126.3M | -$510K | -0.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $450K | $450K | $0K | 0.0% |
| Surplus | $7.3M | $7.3M | $0K | 0.0% |
| Retained earnings | $11.6M | $11.1M | +$476K | +4.3% |
| Accumulated other comprehensive income | -$2.4M | -$2.6M | +$186K | +7.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $16.9M | $16.3M | +$662K | +4.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $619K | $685K | -$66K | -9.6% |
| Adjusted nonperforming assets | $619K | $685K | -$66K | -9.6% |
| Tangible equity plus allowance | $17.8M | $17.2M | +$684K | +4.0% |
| Texas ratio (gross) | 3.47% | 3.99% | -0.52 pts | See points |
| Texas ratio (adjusted) | 3.47% | 3.99% | -0.52 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.97% | 3.99% | -0.02 pts | See points |
| Tier 1 capital to risk-weighted assets | 34.20% | 33.56% | +0.64 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 34.20% | 33.56% | +0.64 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 35.45% | 34.81% | +0.64 pts | See points |
| Tier 1 leverage (approximate) | 13.12% | 12.87% | +0.25 pts | See points |
| Construction and land loans to total capital | 0.10% | 0.11% | -0.01 pts | See points |
| Commercial real estate to total capital | 0.10% | 0.11% | -0.01 pts | See points |
| Dividend payout, year to date | 8.08% | 0.00% | +8.08 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -13.30% | -14.53% | +1.23 pts | See points |
| Liquidity | ||||
| Core deposits | $113.1M | $114.1M | -$1.0M | -0.9% |
| Non-core funding | $6.5M | $6.1M | +$441K | +7.3% |
| Loans to core deposits | 41.97% | 41.42% | +0.55 pts | See points |
| Loans to deposits | 39.68% | 39.33% | +0.35 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 36.94% | 38.19% | -1.26 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $6.5M | $6.1M | +$441K | +7.3% |
| Earnings | ||||
| Earnings before provision, year to date | $900K | $316K | +$584K | +184.8% |
| Earnings before provision, single quarter | $584K | $316K | +$268K | +84.8% |
| Provision for credit losses, year to date | $41K | $20K | +$21K | +105.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.11% | 6.91% | +0.20 pts | See points |
| Yield on interest-bearing balances due from banks | 3.24% | 2.98% | +0.26 pts | See points |
| Total interest income to average assets | 4.24% | 4.20% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 1.83% | 1.84% | -0.01 pts | See points |
| Cost of savings and money market deposits | 1.12% | 1.13% | -0.01 pts | See points |
| Cost of time deposits | 2.77% | 2.85% | -0.08 pts | See points |
| Total interest expense to average assets | 1.23% | 1.27% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $137M | $116M | $46M | 1.20% | 10.46% | 3.45% |
| 2026-06-30 | $143M | $120M | $47M | 1.19% | 10.11% | 3.34% |
| 2026-03-31 | $143M | $120M | $46M | 0.85% | 7.22% | 3.30% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MS | $118.1M | 0.15% | 66 | Continuing · -0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.