Bank of Winona Safety Rating
Bank of Winona's safety rating is grade A, a Bank Health Score of 94/100 built from FDIC call report data. That ranks #368 out of 3,960 FDIC-insured banks nationally (top 9%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Bank of Winona's best component is Tier 1 capital (100/100) and its weakest is profitability (66/100).
This page answers a common banking-safety question: Bank of Winona Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Bank of Winona Safety Rating Breakdown
- Overall rating
- Grade A (94/100)
- National rank
- #368 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 91/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 66/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Bank of Winona among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 9% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 30.47% | 100/100 |
| Nonperforming Loan Ratio | 0.47% | 91/100 |
| Liquidity Ratio | 61.98% | 100/100 |
| Return on Assets | 1.14% | 66/100 |
| Total Assets | $0.1B | |
How does Bank of Winona compare?
With a Bank Health Score of 94/100, Bank of Winona sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within Mississippi, where 45 FDIC-insured banks are headquartered, Bank of Winona ranks above the state average of 66/100 (Grade B).
The bank's Tier 1 capital ratio of 30.47% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.47% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Bank of Winona's Bank Health Score fell by 5.0 points to 94/100. Tier 1 capital strengthened by 1.96 percentage points to 30.47%. Quarter-over-quarter, the score rose by 2.0 points.
Frequently Asked Questions
Bank of Winona's safety rating is grade A, a Bank Health Score of 94/100 built from FDIC call report data. That ranks #368 out of 3,960 FDIC-insured banks nationally (top 9%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Bank of Winona's best component is Tier 1 capital (100/100) and its weakest is profitability (66/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Bank of Winona: Tier 1 capital scores 100/100, loan quality 91/100, liquidity 100/100, and profitability 66/100 — combining to 94/100 (grade A).
Bank of Winona's Bank Health Score of 94/100 is 28.0 points above the Mississippi state average of 66/100. 45 FDIC-insured banks are headquartered in Mississippi.
Yes. Bank of Winona (FDIC certificate #12207) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Bank of Winona
Bank of Winona's safety rating is grade A, a Bank Health Score of 94/100 built from FDIC call report data. That ranks #368 out of 3,960 FDIC-insured banks nationally (top 9%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Bank of Winona's best component is Tier 1 capital (100/100) and its weakest is profitability (66/100).